A Transaction Data Processing Method and System in the Absence of Background Review Status

Abstract

The present invention provides a method and system for processing transaction data in a state without background review, which relates to the technical field of data processing. The method includes: when a transaction application is initiated on a first terminal, obtaining a unique transaction identifier generated by a background system, and generating root node information according to the unique transaction identifier and variable elements; when the first terminal initiates a transaction to a second terminal, the first terminal serves as the transaction initiator, collects variable elements input by the user, obtains transaction information of the current transaction according to the variable elements, and generates first transaction data; sending the first transaction data to the second terminal; after receiving the first transaction data, the second terminal verifies the identity information of the first terminal. If the verification is passed, the current transaction is completed and the first transaction data is recorded, the variable elements are updated according to the transaction status to obtain first branch node information, and a transaction completion message is sent to the first terminal; after receiving the transaction completion message, the first terminal updates the variable elements in the root node information.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and particularly to a method and system for processing transaction data in a state without background review. Background Art

[0002] Currently, in the existing terminal transaction processing that does not rely on a background transaction system, the terminal application can sign and authorize with the system in advance, obtain multiple transaction vouchers and temporarily store them in the terminal application. When the transaction initiator conducts a transaction, it can directly present the transaction voucher without connecting to the background. After the transaction counterparty's device recognizes the transaction voucher, it interacts with the transaction system to complete the transaction; in other solutions, the terminal device can circle and store the unique transaction identifier reserved by the terminal, and a specific transaction device needs to access the terminal device of the transaction initiator to deduct variable elements to complete the transaction. The transaction process in the above manner does not rely on the background transaction system at all. However, the terminal devices of the two parties in the transaction are not equal, and it is impossible to conduct transactions multiple times in a state without background review, which also brings problems of restricted transactions.

[0003] Therefore, there is an urgent need for a transaction processing solution that can overcome the above defects and enable transactions to be processed multiple times in a state without background review. Summary of the Invention

[0004] To solve the problems existing in the prior art, the present invention proposes a method and system for processing transaction data in a state without background review. The present invention can generate a unique transaction identifier according to the background system, send the unique transaction identifier to the terminal, and the terminal conducts a transaction by attaching transaction information based on the unique transaction identifier. The transaction counterparty completes the transaction by verifying the transaction information and the unique transaction identifier, and the transaction counterparty can continue to attach transaction information on this basis to conduct a transaction again. Through such a data model, transactions in a state without background review are realized, and transactions can be conducted multiple times in a state without background review.

[0005] In the first aspect of the embodiment of the present invention, a method for processing transaction data in a state without background review is proposed, and the method includes:

[0006] When a transaction application is initiated by a first terminal, obtain the unique transaction identifier generated by the background system, and generate root node information according to the unique transaction identifier and variable elements;

[0007] When the first terminal initiates a transaction to the second terminal, the first terminal serves as the transaction initiator, collects the variable elements input by the user, obtains the transaction information of this transaction according to the variable elements, and generates first transaction data according to the variable elements, the unique transaction identifier, and the transaction information of this transaction;

[0008] Send the first transaction data to the second terminal; where the second terminal is the counterparty, and after receiving the first transaction data, verify the identity information of the first terminal. If the verification passes, complete the current transaction, record the first transaction data, update the variable elements according to the transaction status to obtain the first branch node information, and reply to the first terminal with a transaction completion message;

[0009] After the first terminal receives the transaction completion message, update the variable elements in the root node information.

[0010] Further, the first branch node information includes:

[0011] The updated variable elements, the transaction unique identifier, and the transaction information of the current transaction.

[0012] Further, the method further includes:

[0013] When the second terminal initiates a transaction to the third terminal using the first branch node information, the second terminal acts as the transaction initiator, collects the variable elements input by the user, obtains the transaction information of the current transaction according to the variable elements, adds the transaction information of the current transaction to the first branch node information to obtain the second transaction data; where the second transaction data includes variable elements, the transaction unique identifier, the transaction information of the historical transaction, and the transaction information of the current transaction;

[0014] Send the second transaction data to the third terminal; where the third terminal is the counterparty, and after receiving the second transaction data, verify the identity information of the second terminal. If the verification passes, complete the current transaction, record the second transaction data, update the variable elements according to the transaction status to obtain the second branch node information, and reply to the second terminal with a transaction completion message;

[0015] After the second terminal receives the transaction completion message, update the variable elements in the first branch node information.

[0016] Further, the second branch node information includes:

[0017] The updated variable elements, the transaction unique identifier, the transaction information of the historical transaction, and the transaction information of the current transaction.

[0018] Further, the variable elements at least include: the identity verification information of the transaction initiator, the counterparty information, the transaction time, and the transaction amount.

[0019] Further, the transaction information at least includes the identity verification information of the transaction initiator, the counterparty information, the transaction time, and the transaction amount.

[0020] Further, in the root node information, the transaction unique identifier cannot be modified;

[0021] In the first transaction data and the first branch node information, the transaction unique identifier and the transaction information cannot be modified.

[0022] Furthermore, in the second transaction data and the second branch node information, the transaction unique identifier and the transaction information cannot be modified.

[0023] In the second aspect of the embodiments of the present invention, a transaction data processing system in a state without background review is proposed. The system includes: a first terminal and a second terminal; wherein,

[0024] An identification acquisition module of the first terminal is configured to, when a transaction application is initiated by the first terminal, acquire a transaction unique identifier generated by a background system, and generate root node information according to the transaction unique identifier and variable elements.

[0025] A transaction data generation module of the first terminal is configured to, when the first terminal initiates a transaction to the second terminal, the first terminal being the transaction initiator, collect variable elements input by a user, obtain transaction information of the current transaction according to the variable elements, and generate first transaction data according to the variable elements, the transaction unique identifier, and the transaction information of the current transaction.

[0026] A transaction data sending module of the first terminal is configured to send the first transaction data to the second terminal.

[0027] A transaction processing module of the second terminal is configured to, after receiving the first transaction data, verify the identity information of the first terminal. If the verification is passed, complete the current transaction and record the first transaction data, update the variable elements according to the transaction status, obtain first branch node information, and send a transaction completion message to the first terminal.

[0028] An update module of the first terminal is configured to update the variable elements in the root node information after the first terminal receives the transaction completion message.

[0029] Furthermore, the system further includes: a third terminal; wherein,

[0030] A transaction data generation module of the second terminal is configured to, when the second terminal initiates a transaction to the third terminal using the first branch node information, the second terminal being the transaction initiator, collect variable elements input by a user, obtain transaction information of the current transaction according to the variable elements, and add the transaction information of the current transaction to the first branch node information to obtain second transaction data; wherein, the second transaction data includes variable elements, a transaction unique identifier, transaction information of historical transactions, and transaction information of the current transaction.

[0031] A transaction data sending module of the second terminal is configured to send the second transaction data to the third terminal.

[0032] The transaction processing module of the third terminal is used to verify the identity information of the second terminal after receiving the second transaction data. If the verification is passed, the current transaction is completed, the second transaction data is recorded, the variable elements are updated according to the transaction status to obtain the second branch node information, and a transaction completion message is replied to the second terminal.

[0033] The update module of the second terminal is used to update the variable elements in the first branch node information after the second terminal receives the transaction completion message.

[0034] In the third aspect of the embodiments of the present invention, a computer device is proposed, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, a transaction data processing method in a state without background review is implemented.

[0035] In the fourth aspect of the embodiments of the present invention, a computer-readable storage medium is proposed. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a transaction data processing method in a state without background review is implemented.

[0036] In the fifth aspect of the embodiments of the present invention, a computer program product is proposed. The computer program product includes a computer program, and when the computer program is executed by a processor, a transaction data processing method in a state without background review is implemented.

[0037] The transaction data processing method and system in a state without background review proposed by the present invention can conduct transactions in a state without background review, complete transactions between two terminals without relying on the background transaction system for review, can achieve multiple transfers in a state without background review, and after the trading counterparty receives the transaction data in a state without background review, it can continue the transaction based on the unique transaction identifier. The overall solution can achieve traceability of transactions in a state without background review and ensure the security and reliability of transactions. Description of the Drawings

[0038] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for the description of the embodiments will be briefly introduced below. Obviously, the drawings in the following description are some embodiments of the present application. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0039] Figure 1 It is a schematic flowchart of a transaction data processing method in a state without background review according to an embodiment of the present invention.

[0040] Figure 2 It is a schematic flowchart of a transaction data processing method in a state without background review according to another embodiment of the present invention.

[0041] Figure 3 It is a schematic diagram of the architecture of a transaction data processing system in the state of no background review according to an embodiment of the present invention.

[0042] Figure 4 It is a schematic diagram of the architecture of a transaction data processing system in the state of no background review according to another embodiment of the present invention.

[0043] Figure 5 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. Specific embodiments

[0044] Hereinafter, the principles and spirit of the present invention will be described with reference to several exemplary embodiments. It should be understood that these embodiments are given only to enable those skilled in the art to better understand and then implement the present invention, rather than limiting the scope of the present invention in any way. On the contrary, these embodiments are provided to make the present disclosure more thorough and complete, and to be able to fully convey the scope of the present disclosure to those skilled in the art.

[0045] Those skilled in the art know that the embodiments of the present invention can be implemented as a system, a device, an apparatus, a method, or a computer program product. Therefore, the present disclosure can be specifically implemented in the following forms, namely: completely hardware, completely software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0046] According to the embodiments of the present invention, a method and system for processing transaction data in the state of no background review are proposed, which relates to the technical field of data processing. In the scenario of processing transaction data in the state of no background review, the present invention can generate a unique transaction identifier through the background system after initiating a transaction application, and send it to the terminal. The terminal attaches transaction information based on the unique transaction identifier to conduct a transaction, and the trading counterparty completes the transaction by verifying the transaction information and the unique transaction identifier. Moreover, the trading counterparty can continue to attach transaction information on this basis to conduct a transaction again. Through such a data model, transactions in the state of no background review are realized, and multiple transactions in the state of no background review can be carried out.

[0047] In this embodiment, the terms to be explained are as follows:

[0048] Anchor: Anchor identifier. The present invention uses Anchor as the unique transaction identifier, which is generated by the background system, has uniqueness, extensibility, value, can be transmitted between devices, can be recognized and authenticated, and can be traced "transaction identification information".

[0049] Transaction in the state of no background review: Without relying on the background system, the two trading parties can complete the transaction by transmitting transaction data containing Anchor between devices without the need for background review.

[0050] Transactions in the state of multiple background-free audits: After receiving transaction data containing Anchor in the state of background-free audits, the counterparty can continue the transaction using the previously received transaction data containing Anchor without connecting to the background system.

[0051] Reference is now made to several representative embodiments of the present invention to elaborate in detail the principles and spirit of the present invention.

[0052] Figure 1 It is a schematic flowchart of a method for processing transaction data in the state of background-free audits according to an embodiment of the present invention. As Figure 1 shown, the method includes:

[0053] S101, when a transaction application is initiated at a first terminal, obtain a unique transaction identifier generated by the background system, and generate root node information according to the unique transaction identifier and variable elements;

[0054] S102, when the first terminal initiates a transaction to the second terminal, the first terminal serves as the transaction initiator, collect variable elements input by the user, obtain transaction information of the current transaction according to the variable elements, and generate first transaction data according to the variable elements, the unique transaction identifier, and the transaction information of the current transaction;

[0055] S103, send the first transaction data to the second terminal;

[0056] S104, the second terminal is the counterparty, after receiving the first transaction data, verify the identity information of the first terminal, if the verification is passed, complete the current transaction and record the first transaction data, update the variable elements according to the transaction status to obtain first branch node information, and send a transaction completion message to the first terminal;

[0057] S105, after the first terminal receives the transaction completion message, update the variable elements in the root node information.

[0058] In this embodiment, the first branch node information includes:

[0059] The updated variable elements, the unique transaction identifier, and the transaction information of the current transaction.

[0060] Reference Figure 2 , is a schematic flowchart of a method for processing transaction data in the state of background-free audits according to another embodiment of the present invention. As Figure 2 shown, the method further includes:

[0061] S201. When the second terminal initiates a transaction with the third terminal using the first branch node information, the second terminal acts as the transaction initiator, collects the variable elements input by the user, obtains the transaction information of this transaction based on the variable elements, adds the transaction information of this transaction to the first branch node information to obtain the second transaction data; wherein, the second transaction data includes variable elements, a transaction unique identifier, the transaction information of historical transactions, and the transaction information of this transaction.

[0062] S202. Send the second transaction data to the third terminal.

[0063] S203. The third terminal is the counterparty. After receiving the second transaction data, it verifies the identity information of the second terminal. If the verification passes, it completes this transaction and records the second transaction data, updates the variable elements according to the transaction status to obtain the second branch node information, and replies to the second terminal with a transaction completion message.

[0064] S204. After the second terminal receives the transaction completion message, it updates the variable elements in the first branch node information.

[0065] In this embodiment, the second branch node information includes:

[0066] The updated variable elements, the transaction unique identifier, the transaction information of historical transactions, and the transaction information of this transaction.

[0067] The variable elements at least include: the identity verification information of the transaction initiator, the counterparty information, the transaction time, and the transaction amount.

[0068] The transaction information at least includes the identity verification information of the transaction initiator, the counterparty information, the transaction time, and the transaction amount.

[0069] In the root node information, the transaction unique identifier cannot be modified.

[0070] In the first transaction data and the first branch node information, the transaction unique identifier and the transaction information cannot be modified.

[0071] In the second transaction data and the second branch node information, the transaction unique identifier and the transaction information cannot be modified.

[0072] To more clearly explain the above method for processing transaction data in the state without background review, the following will be described with a specific embodiment.

[0073] Taking users A, B, and C as examples, their corresponding terminals are terminal M A 、M B 、M C .

[0074] When user A is at terminal MA When an application is initiated on the back-end system, a unique transaction identifier Anchor is generated and sent to the terminal M. A On the terminal M, variable factors Factor are recorded to generate the root node Anchor-A0 (as shown in Table 1).

[0075] Table 1 Structure of the root node Anchor-A0

[0076] Factor Anchor

[0077] In the scenario without back-end review, when user A is the transaction initiator, on the terminal M A Transaction data Anchor-A1 (as shown in Table 2) is generated based on the variable factor Factor1 input by the user, including the variable factor Factor1, the unique transaction identifier Anchor, and transaction information TranInfo (opponent information, time, amount, etc., as well as the identity verification information of the initiator. The required elements can be determined according to the actual usage scenario); after the transaction is completed, the variable factor of the root node Anchor-A0 is updated.

[0078] Table 2 Structure of the transaction data Anchor-A1

[0079] <![CDATA[Factor1]]> Anchor TranInfoA1

[0080] On the terminal M of the transaction opponent (user B) B After receiving the transaction data Anchor-A1, the authenticity of the above transaction is confirmed by verifying the identity information of the transaction initiator (user A), and the transaction data Anchor-A1 is directly stored, the variable factor Factor2 is updated to obtain a branch node Anchor-B0; moreover, a transaction completion reply is sent to the transaction initiator (user A); the structure of the branch node Anchor-B0 is shown in Table 3.

[0081] Table 3 Structure of the branch node Anchor-B0

[0082] <![CDATA[Factor2]]> Anchor TranInfoA1

[0083] Among them, except that the variable factor Factor can be edited, the unique transaction identifier Anchor and the transaction information TranInfoA1 cannot be modified;

[0084] Furthermore, the original transaction opponent (user B) can continue to use the received branch node Anchor-B0 for transactions in the scenario without back-end review, and the process is similar to the processing process of the transaction application initiated by user A.

[0085] Specifically, on the terminal M BGenerate transaction data Anchor-B1 based on the variable factor Factor3 input by the user. Among them, the transaction information TranInfoB1 includes information about the counterparty (user C), the transaction amount, the transaction time, and the identity verification information of the transaction initiator (user B); the structure of the transaction data Anchor-B1 is shown in Table 4. Different from the previous transaction, the transaction data this time contains the variable factor Factor3, the transaction unique identifier Anchor, the previous transaction information TranInfoA1, and the current transaction information TranInfoB1.

[0086] Table 4 Structure of Transaction Data Anchor-B1

[0087] <![CDATA[Factor3]]> Anchor TranInfoA1 TranInfoB1

[0088] The terminal M of the counterparty (user C) C After receiving the transaction Anchor-B1, confirm the authenticity of the above transaction by verifying the identity information of the transaction initiator (user B), and directly store the transaction data Anchor-B1, update the variable factor Factor4, and obtain a branch node Anchor-C0; and, reply to the transaction initiator (user B) that the transaction is completed; the structure of the branch node Anchor-B0 is shown in Table 5.

[0089] Table 5 Structure of Branch Node Anchor-C0

[0090] <![CDATA[Factor4]]> Anchor TranInfoA1 TranInfoB1

[0091] Among them, except that the variable factor Factor can be edited, the transaction unique identifier Anchor, the transaction information TranInfoA1, and the transaction information TranInfoB1 cannot be modified;

[0092] The counterparty (user C) can initiate a transaction based on the branch node Anchor-C0. After multiple processing steps above, a chain-like Anchor that can be traced and can be traded multiple times without background review is formed. Therefore, based on this data model, traceable and multiple transactions without background review can be realized.

[0093] It should be noted that although the operations of the method of the present invention are described in a specific order in the above embodiments and the accompanying drawings, however, this does not require or imply that these operations must be performed in this specific order, or that all the operations shown must be performed to achieve the desired result. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step for execution, and / or one step may be decomposed into multiple steps for execution.

[0094] After introducing the method of the exemplary embodiments of the present invention, next, reference is made to Figure 3 to introduce the transaction data processing system in the state of no background review of the exemplary embodiments of the present invention.

[0095] The implementation of the transaction data processing system in the state of no background review can refer to the implementation of the above method, and the repeated parts will not be described again. The terms "module" or "unit" used hereinafter may be a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware is also possible and contemplated.

[0096] Based on the same inventive concept, the present invention also proposes a transaction data processing system in the state of no background review, as Figure 3 shown, the system includes:

[0097] A first terminal 100 and a second terminal 200; wherein,

[0098] An identification acquisition module 110 of the first terminal, configured to acquire a transaction unique identifier generated by the background system 400 when the first terminal initiates a transaction application, and generate root node information according to the transaction unique identifier and variable elements;

[0099] A transaction data generation module 120 of the first terminal, configured to, when the first terminal 100 initiates a transaction to the second terminal 200, the first terminal serves as a transaction initiator, collect variable elements input by the user, obtain transaction information of the current transaction according to the variable elements, and generate first transaction data according to the variable elements, the transaction unique identifier, and the transaction information of the current transaction;

[0100] A transaction data sending module 130 of the first terminal, configured to send the first transaction data to the second terminal;

[0101] A transaction processing module 240 of the second terminal, configured to verify the identity information of the first terminal after receiving the first transaction data, if the verification is passed, complete the current transaction and record the first transaction data, update the variable elements according to the transaction status, obtain first branch node information, and send a transaction completion message to the first terminal;

[0102] An update module 150 of the first terminal, configured to update the variable elements in the root node information after the first terminal receives the transaction completion message.

[0103] Reference is made to Figure 4 , which is a schematic diagram of the architecture of the transaction data processing system in the state of no background review according to another embodiment of the present invention. As Figure 4 shown, the system further includes: a third terminal 300; wherein,

[0104] The transaction data generation module 220 of the second terminal is configured to, when the second terminal 200 initiates a transaction with the third terminal 300 using the first branch node information, and the second terminal acts as the transaction initiator, collect variable elements input by the user, obtain the transaction information of this transaction according to the variable elements, add the transaction information of this transaction to the first branch node information to obtain the second transaction data; wherein, the second transaction data includes variable elements, a transaction unique identifier, the transaction information of historical transactions, and the transaction information of this transaction.

[0105] The transaction data sending module 230 of the second terminal is configured to send the second transaction data to the third terminal.

[0106] The transaction processing module 340 of the third terminal is configured to, after receiving the second transaction data, verify the identity information of the second terminal. If the verification is passed, complete this transaction and record the second transaction data, update the variable elements according to the transaction status to obtain the second branch node information, and reply to the second terminal with a transaction completion message.

[0107] The update module 250 of the second terminal is configured to update the variable elements in the first branch node information after the second terminal receives the transaction completion message.

[0108] In this embodiment, referring again to Figure 3 and Figure 4 as shown, each terminal includes an identification acquisition module, a transaction data generation module, a transaction data sending module, an update module, and a transaction processing module; the dashed boxes in the figure indicate that the module does not work during the processing in the above embodiment.

[0109] Actually, each terminal can be the initiator of the first transaction application; wherein,

[0110] The identification acquisition module acquires the transaction unique identifier of the background system during the first transaction application.

[0111] When acting as the transaction initiator, it can send transaction data and modify variable elements based on the transaction data generation module, the transaction data sending module, and the update module.

[0112] When acting as the transaction counterparty, it can process transactions based on the transaction processing module.

[0113] It should be noted that although several modules of the transaction data processing system in the state of no background review are mentioned in the above detailed description, this division is only exemplary and not mandatory. Actually, according to the embodiments of the present invention, the features and functions of two or more of the above-described modules can be embodied in one module. Conversely, the features and functions of one module described above can be further divided and embodied by multiple modules.

[0114] Based on the foregoing inventive concept, as Figure 5 shown, the present invention further provides a computer device 500, including a memory 510, a processor 520, and a computer program 530 stored on the memory 510 and executable on the processor 520. When the processor 520 executes the computer program 530, the transaction data processing method in the foregoing state without background review is implemented.

[0115] Based on the foregoing inventive concept, the present invention provides a computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, the transaction data processing method in the foregoing state without background review is implemented.

[0116] Based on the foregoing inventive concept, the present invention provides a computer program product including a computer program, and when the computer program is executed by a processor, the transaction data processing method in the state without background review is implemented.

[0117] The transaction data processing method and system in the state without background review provided by the present invention can conduct transactions in the state without background review, complete transactions between two terminals without relying on the background transaction system for review, and can achieve multiple transfers in the state without background review. After receiving the transaction data in the state without background review, the counterparty can continue the transaction based on the unique transaction identifier. The overall solution can achieve traceability of transactions in the state without background review and ensure the security and reliability of transactions.

[0118] Those skilled in the art should understand that the embodiments of the present invention may be provided as methods, systems, or computer program products. 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 computer program product implemented 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.

[0119] The present invention is described with reference to the flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate means for implementing the functions specified in Figure 1 one process or multiple processes and / or blocks Figure 1 one block or multiple blocks.

[0120] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to work in a particular manner, such that the instructions stored in the computer-readable memory produce a manufacture including an instruction device that implements the functions specified in one or more processes and / or blocks Figure 1 in the flow. Figure 1 in one block or more blocks.

[0121] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus, such that a series of operational steps are performed on the computer or other programmable apparatus to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable apparatus provide steps for implementing the functions specified in one or more processes and / or blocks Figure 1 in the flow. Figure 1 in one block or more blocks.

[0122] Finally, it should be noted that the above-described embodiments are only specific embodiments of the present invention, used to illustrate the technical solutions of the present invention, rather than limiting it. The protection scope of the present invention is not limited thereto. Although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: any person skilled in the art within the technical scope disclosed by the present invention can still modify the technical solutions recorded in the foregoing embodiments, or can easily think of changes, or make equivalent replacements for some of the technical features; and these modifications, changes or replacements do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be covered by the protection scope of the present invention. Therefore, the protection scope of the present invention should be subject to the protection scope of the claims.

Claims

1. A method for processing transaction data in a state without background review, characterized in that, The method includes: When a transaction application is initiated by a first terminal, obtaining a transaction unique identifier generated by a background system, and generating root node information according to the transaction unique identifier and variable elements; When the first terminal initiates a transaction with the second terminal, the first terminal acts as the transaction initiator, collects variable elements input by the user, obtains transaction information of this transaction according to the variable elements, and generates first transaction data according to the variable elements, the transaction unique identifier, and the transaction information of this transaction; Sending the first transaction data to the second terminal; wherein, the second terminal is the counterparty of the transaction. After receiving the first transaction data, it verifies the identity information of the first terminal. If the verification is passed, this transaction is completed and the first transaction data is recorded, the variable elements are updated according to the transaction status to obtain first branch node information, and a transaction completion message is sent to the first terminal; After the first terminal receives the transaction completion message, updating the variable elements in the root node information; When the second terminal initiates a transaction with a third terminal using the first branch node information, the second terminal acts as the transaction initiator, collects variable elements input by the user, obtains transaction information of this transaction according to the variable elements, and adds the transaction information of this transaction to the first branch node information to obtain second transaction data; wherein, the second transaction data includes variable elements, a transaction unique identifier, transaction information of historical transactions, and transaction information of this transaction; Sending the second transaction data to the third terminal; wherein, the third terminal is the counterparty of the transaction. After receiving the second transaction data, it verifies the identity information of the second terminal. If the verification is passed, this transaction is completed and the second transaction data is recorded, the variable elements are updated according to the transaction status to obtain second branch node information, and a transaction completion message is sent to the second terminal; After the second terminal receives the transaction completion message, updating the variable elements in the first branch node information; Wherein, the first branch node information includes: Updated variable elements, a transaction unique identifier, and transaction information of this transaction; The second branch node information includes: Updated variable elements, a transaction unique identifier, transaction information of historical transactions, and transaction information of this transaction; The variable elements at least include: identity verification information of the transaction initiator, counterparty information, transaction time, and transaction amount; The transaction information at least includes identity verification information of the transaction initiator, counterparty information, transaction time, and transaction amount; In the root node information, the transaction unique identifier cannot be modified; In the first transaction data and the first branch node information, the transaction unique identifier and the transaction information cannot be modified; In the second transaction data and the second branch node information, the transaction unique identifier and the transaction information cannot be modified; Based on the re-initiation of transactions by branch nodes, after multiple processing steps above, a chain-like transaction unique identifier that can be traced and can be transacted multiple times without background review status is formed, realizing traceability and transacting multiple times without background review status.

2. A transaction data processing system in a state without background review, characterized in that, The system includes: a first terminal and a second terminal; wherein, The identification acquisition module of the first terminal is used to obtain the unique transaction identifier generated by the background system when the first terminal initiates a transaction application, and generate root node information according to the unique transaction identifier and variable elements; The transaction data generation module of the first terminal is used to collect variable elements input by the user when the first terminal initiates a transaction with the second terminal and the first terminal acts as the transaction initiator, obtain the transaction information of this transaction according to the variable elements, and generate the first transaction data according to the variable elements, the unique transaction identifier, and the transaction information of this transaction; The transaction data sending module of the first terminal is used to send the first transaction data to the second terminal; The transaction processing module of the second terminal is used to verify the identity information of the first terminal after receiving the first transaction data. If the verification is passed, complete this transaction and record the first transaction data, update the variable elements according to the transaction status to obtain the first branch node information, and reply to the first terminal with the transaction completion information; The update module of the first terminal is used to update the variable elements in the root node information after the first terminal receives the transaction completion information; Among them, the system further includes: a third terminal; among them, The transaction data generation module of the second terminal is used to collect variable elements input by the user when the second terminal initiates a transaction with the third terminal using the first branch node information and the second terminal acts as the transaction initiator, obtain the transaction information of this transaction according to the variable elements, and add the transaction information of this transaction to the first branch node information to obtain the second transaction data; among them, the second transaction data includes variable elements, the unique transaction identifier, the transaction information of historical transactions, and the transaction information of this transaction; The transaction data sending module of the second terminal is used to send the second transaction data to the third terminal; The transaction processing module of the third terminal is used to verify the identity information of the second terminal after receiving the second transaction data. If the verification is passed, complete this transaction and record the second transaction data, update the variable elements according to the transaction status to obtain the second branch node information, and reply to the second terminal with the transaction completion information; The update module of the second terminal is used to update the variable elements in the first branch node information after the second terminal receives the transaction completion information; Among them, the first branch node information includes: The updated variable elements, the unique transaction identifier, and the transaction information of this transaction; The second branch node information includes: The updated variable elements, the unique transaction identifier, the transaction information of historical transactions, and the transaction information of this transaction; The variable elements at least include: the identity verification information of the transaction initiator, the counterparty information, the transaction time, and the transaction amount; The transaction information at least includes the identity verification information of the transaction initiator, the counterparty information, the transaction time, and the transaction amount; In the root node information, the unique transaction identifier cannot be modified; In the first transaction data and the first branch node information, the unique transaction identifier and the transaction information cannot be modified; In the second transaction data and the second branch node information, the unique transaction identifier and the transaction information cannot be modified; Initiate a transaction based on the re-occurrence of branch nodes. After multiple processing steps as described above, a chain-based unique transaction identifier that can be traced and can be transacted multiple times without background review is formed, enabling traceability and transactions without background review multiple times.

3. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, the method described in claim 1 is implemented.

4. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, the method described in claim 1 is implemented.

5. A computer program product, characterized in that, The computer program product includes a computer program, and when the computer program is executed by the processor, the method described in claim 1 is implemented.

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