Transaction Payment Confirmation Method, Device, Computer Equipment and Storage Medium

Abstract

The present application discloses a transaction payment confirmation method, apparatus, computer device, and storage medium, including: obtaining numerical information corresponding to N element information of a financial voucher in a target database configuration, where N is a positive integer; performing a target operation on the numerical information corresponding to the N element information according to a first preset algorithm to obtain evaluation information corresponding to the financial voucher; confirming transaction payment when the evaluation information meets a first predetermined condition; calculating the evaluation information by using a hash algorithm to generate a payment voucher representing the confirmed transaction payment; and adding the payment voucher to a transaction log. In this way, in the case where the business scenario of the financial voucher changes flexibly, by obtaining different element information, it is possible to quickly determine whether transaction payment can be made in different business scenarios, so that there is no need to spend a large amount of manpower and material resources to re-judge in the case of business scenario changes, improving the security and efficiency of transaction payment.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of risk data analysis, and in particular to a transaction payment confirmation method, device, computer device, and storage medium. Background Art

[0002] Currently, due to the convenience and speed of online transaction payments, online transaction payments have become a very common payment method in our lives. The scenarios and methods of transaction payments are also becoming increasingly rich. Therefore, it is very necessary to ensure the security of online transaction payments.

[0003] In the related art, in order to ensure the security of transaction payments, multiple detection steps are usually added during the payment process using a payment product. For example, the security of the payment can be ensured by comprehensively evaluating the information of three dimensions: the product code, transaction type, and user login status during the payment process. Moreover, for any payment product in different business scenarios, the product code and transaction type are different. Every time a new business scenario appears, a comprehensive evaluation needs to be carried out again.

[0004] However, whenever a new business scenario appears, a comprehensive evaluation of the three-dimensional information needs to be carried out again. Since the current business scenarios are very rich, continuously re-evaluating will cause problems such as a long transaction cycle, waste of manpower and material resources, and a decrease in transaction efficiency. Summary of the Invention

[0005] Embodiments of the present invention provide a transaction payment confirmation method, device, computer device, and storage medium that can accurately predict the physical condition for a flexibly changing business scenario.

[0006] To solve the above technical problems, an embodiment of the present invention adopts a technical solution: providing a transaction payment confirmation method, including: obtaining the numerical information corresponding to N element information of a financial voucher in a target database configuration, where the N element information includes at least one of the following: transaction payment dimension, transaction method, transaction type, transaction number, transaction authentication code, and user's current transaction status, and N is a positive integer; performing a target operation on the numerical information corresponding to the N element information according to a first preset algorithm to obtain the evaluation information corresponding to the financial voucher, where the first preset algorithm is a preset code program of a computer; confirming the transaction payment when the evaluation information meets a first predetermined condition; calculating the evaluation information using a hash algorithm to generate a payment voucher representing the confirmed transaction payment; and adding the payment voucher to a transaction log.

[0007] Optionally, in the numerical information corresponding to the N element information for obtaining the financial voucher in the target database configuration, the transaction payment confirmation method provided by the embodiments of the present application may include: obtaining the numerical information corresponding to the N element information in the target database configuration and corresponding to the target scenario.

[0008] Optionally, when the first element information in the N element information corresponds to X numerical information, where X is a positive integer greater than 1, before performing the target operation on the numerical information corresponding to the N element information according to the first preset algorithm to obtain the evaluation information corresponding to the financial voucher, the transaction payment confirmation method provided by the embodiments of the present application may include: determining M combination modes of the numerical information corresponding to the N element information, where M is an integer greater than or equal to X.

[0009] Optionally, in the process of performing the target operation on the numerical information corresponding to the N element information according to the first preset algorithm to obtain the evaluation information corresponding to the financial voucher, the transaction payment confirmation method provided by the embodiments of the present application may include: calculating each of the M combination modes according to the code program corresponding to the first preset algorithm to obtain M evaluation information corresponding to the financial voucher.

[0010] Optionally, after calculating each of the M combination modes according to the code program corresponding to the first preset algorithm to obtain M evaluation information corresponding to the financial voucher, the transaction confirmation payment method provided by the embodiments of the present application may further include: determining the target evaluation information among the M evaluation information; where the target evaluation information is the evaluation information among the M evaluation information whose matching degree with the financial voucher satisfies the second preset condition; and the step of confirming the transaction payment when the evaluation information satisfies the first predetermined condition includes: confirming the transaction payment when the target evaluation information satisfies the first predetermined condition.

[0011] Optionally, when the financial voucher includes Y element information, before determining the numerical information corresponding to the N element information of the financial voucher in the target database configuration, the transaction payment confirmation method provided by the embodiments of the present application may further include: screening out N element information that matches the real-time transaction environment of the financial voucher from the Y element information according to the second preset algorithm, where Y is an integer greater than or equal to N.

[0012] Optionally, before determining the numerical information corresponding to the N element information of the financial voucher in the target database configuration, the transaction payment confirmation method provided by the embodiments of the present application may further include: receiving a first input from the user; and in response to the first input, determining the N element information of the financial voucher.

[0013] To solve the above technical problems, an embodiment of the present invention further provides a transaction payment confirmation device, including: an acquisition module, configured to acquire numerical information corresponding to N element information of a financial voucher in a target database configuration, where the N element information includes at least one of the following: transaction payment dimension, transaction method, transaction type, number of transactions, transaction authentication code, user's current transaction status, and N is a positive integer; an execution module, configured to perform a target operation on the numerical information corresponding to the N element information acquired by the acquisition module according to a first preset algorithm to obtain evaluation information corresponding to the financial voucher, where the first preset algorithm is a preset code program of a computer; a confirmation module, configured to confirm transaction payment when the evaluation information meets a first predetermined condition; a generation module, configured to calculate the evaluation information confirmed by the confirmation module by using a hash algorithm to generate a payment voucher representing the confirmed transaction payment; and an addition module, configured to add the payment voucher generated by the generation module to a transaction log.

[0014] Optionally, the acquisition module is specifically configured to acquire numerical information corresponding to the target scenario in the target database configuration for the N element information.

[0015] Optionally, when the first element information in the N element information corresponds to X numerical information, where X is a positive integer greater than 1, the determination module is further configured to determine M combination methods of the numerical information corresponding to the N element information, and M is an integer greater than or equal to X.

[0016] Optionally, the execution module is specifically configured to calculate the M combination methods respectively according to the code program corresponding to the first preset algorithm to obtain M evaluation information corresponding to the financial voucher.

[0017] Optionally, the determination module is further configured to determine a target evaluation information among the M evaluation information; where the target evaluation information is the evaluation information whose matching degree with the financial voucher among the M evaluation information meets a second preset condition, and the confirmation module is configured to confirm transaction payment when the target evaluation information meets the first predetermined condition.

[0018] Optionally, when the financial voucher includes Y element information, the determination module is further configured to screen out N element information that matches the real-time transaction environment of the financial voucher from the Y element information according to a second preset algorithm, and Y is an integer greater than or equal to N.

[0019] Optionally, the transaction payment confirmation device further includes: a reception module, configured to receive a first input from a user; and the determination module is further configured to determine the N element information of the financial voucher in response to the first input received by the reception module.

[0020] To solve the above technical problems, an embodiment of the present invention further provides a computer device, including: at least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores a program executable by the at least one processor, and the program is executed by the at least one processor so that the at least one processor can execute the above transaction payment confirmation method.

[0021] To solve the above technical problems, an embodiment of the present invention further provides a computer-readable storage medium, which stores a transaction payment confirmation program. When the transaction payment confirmation program is executed by a processor, the steps of the above transaction payment confirmation method are implemented.

[0022] The beneficial effects of the embodiments of the present invention are as follows: When transaction payment confirmation is required, first obtain the numerical information corresponding to N element information of the financial voucher in the target database configuration, and then perform a target operation on the numerical information corresponding to the N element information according to a first preset algorithm to obtain the evaluation information corresponding to the above financial voucher. After that, when the above evaluation information meets the first predetermined condition, confirm the transaction payment. Finally, use the hash algorithm to calculate the above evaluation information to generate a payment voucher representing the confirmed transaction payment, and add the above payment voucher to the transaction log for subsequent viewing of the transaction status. In this way, in the case of flexible changes in the business scenarios of financial vouchers, by obtaining different element information, it is possible to quickly determine whether transaction payment can be made in different business scenarios, so that there is no need to spend a large amount of manpower and material resources to re-judge in the case of business scenario changes, improving the security and efficiency of transaction payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings.

[0024] Figure 1 It is a schematic diagram of the basic process of the transaction payment confirmation method for a specific embodiment of the present application;

[0025] Figure 2 It is a schematic diagram of the numerical permutation and combination corresponding to the element information for a specific embodiment of the present application;

[0026] Figure 3 It is a schematic diagram of the basic structure of the transaction payment confirmation device for an embodiment of the present application;

[0027] Figure 4The basic structural block diagram of a computer device according to an embodiment of the present application. Detailed implementation manners

[0028] The embodiments of the present application will be described in detail below. Examples of the embodiments are shown in the accompanying drawings, where the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present application and should not be construed as limiting the present application.

[0029] Those skilled in the art of the present technology can understand that, unless specifically stated otherwise, the singular forms "a", "an", "the" and "said" used herein may also include the plural forms. It should be further understood that the term "including" used in the specification of the present application means the presence of the described features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or their groups.

[0030] Those skilled in the art of the present technology can understand that, unless otherwise defined, all terms (including technical terms and scientific terms) used herein have the same meaning as the general understanding of those of ordinary skill in the art to which the present application belongs. It should also be understood that terms such as those defined in a general dictionary should be understood to have a meaning consistent with the meaning in the context of the prior art, and will not be interpreted in an idealized or overly formal sense unless specifically defined as here.

[0031] Those skilled in the art of the present technology can understand that the "terminal" used herein includes both a device with a wireless signal receiver that only has the ability to receive and does not have the ability to transmit, and a device with receiving and transmitting hardware that has the receiving and transmitting hardware capable of performing two-way communication on a two-way communication link. Such devices may include: cellular or other communication devices, which may have a single-line display or a multi-line display or a cellular or other communication device without a multi-line display; PCS (Personal Communications Service), which may combine voice, data processing, fax, and / or data communication capabilities; PDA (Personal Digital Assistant), which may include a radio frequency receiver, a pager, Internet / intranet access, a web browser, a notepad, a calendar, and / or a GPS (Global Positioning System) receiver; a conventional laptop and / or palmtop computer or other device, which is a conventional laptop and / or palmtop computer or other device with and / or including a radio frequency receiver. The "terminal" used herein may be portable, transportable, installed in a vehicle (air, sea, and / or land), or suitable for and / or configured to operate locally, and / or in a distributed manner, at any other location on the earth and / or in space. The "terminal" used herein may also be a communication terminal, an Internet access terminal, a music / video playback terminal, for example, it may be a PDA, a MID (Mobile Internet Device), and / or a mobile phone with music / video playback function, or may also be a smart TV, a set-top box, and other devices.

[0032] Please refer to Figure 1 , Figure 1 which is a schematic diagram of the basic process of the transaction payment confirmation method provided in this embodiment, including steps 201 to 205:

[0033] Step 201: Obtain the numerical information corresponding to the N element information of the financial voucher in the target database configuration, where N is a positive integer.

[0034] In the embodiment of the present application, the above financial voucher is voucher information used to perform transaction payment. Generally, after confirming the validity of the financial voucher, it can be confirmed that the transaction payment is made.

[0035] In the embodiment of the present application, the above financial voucher includes multiple pieces of information, and some of the information is related to the confirmation of transaction payment, and this part of the information is the element information.

[0036] Exemplarily, the possible element information for confirming transaction payment in the financial voucher may be all the element information or may be partial element information, and the embodiments of the present application do not limit this. Further, the above N element information may be all the element information in the financial voucher or may be partial element information in the financial voucher.

[0037] In the embodiments of the present application, the element information of the above financial voucher may be preset or may be user-defined, and the embodiments of the present application do not limit this.

[0038] In the embodiments of the present application, the above N element information includes at least one of the following: transaction parameter information corresponding to the financial voucher, user parameter information.

[0039] Exemplarily, when the element information of the above financial voucher includes transaction parameter information corresponding to the financial voucher, it may include transaction parameter information related to the transaction itself, such as: transaction payment dimension, transaction method, transaction type, transaction number, transaction authentication code, where the transaction payment dimension may include: payment method, transaction, cash withdrawal; when the element information of the above financial voucher includes user parameter information, it may include transaction parameter information related to the user himself, such as: user credit, user past transaction frequency, user current transaction status.

[0040] In the embodiments of the present application, the above target database configuration includes numerical information corresponding to all the element information of the financial voucher.

[0041] It should be noted that some element information may include more than one numerical information. For example, for the payment method, the transaction method can be divided into online transactions and offline transactions, and for online transactions, it may include numerical information corresponding to multiple different trading software, and the numerical information corresponding to different trading software may not be the same.

[0042] Exemplarily, in the case where the above N element information does not include all the above element information, the corresponding numerical information can be obtained according to the N element information preset in advance or confirmed by the user.

[0043] Step 202: Perform a target operation on the numerical information corresponding to the above N element information according to a first preset algorithm to obtain the evaluation information corresponding to the above financial voucher.

[0044] In the embodiments of the present application, the above first preset algorithm may be preset or may be user-defined, and the embodiments of the present application do not limit this.

[0045] Exemplarily, the above first preset algorithm may be a preset code program of a computer, specifically, it may be a Cartesian product operation.

[0046] In an embodiment of the present application, the target operation is an operation of calculating the payment possibility of the financial voucher transaction using a first preset algorithm.

[0047] In one example, the above evaluation information may be numerical information calculated using a first preset algorithm.

[0048] Step 203: When the above evaluation information meets a first predetermined condition, confirm the transaction payment.

[0049] In an embodiment of the present application, the above first predetermined condition may be a condition for determining whether the above evaluation information reaches the payment standard.

[0050] In an embodiment of the present application, the above first predetermined condition may be preset or user-defined, and the embodiment of the present application does not limit this.

[0051] In one example, the above first predetermined condition may be a threshold value, that is, numerical information. It can be understood that when the evaluation information is numerical information, the first predetermined condition is also numerical information of a numerical type matching the evaluation information.

[0052] Step 204: Calculate the above evaluation information using a hash algorithm to generate a payment voucher representing the confirmed transaction payment.

[0053] In an embodiment of the present application, using a hash algorithm, a payment voucher with a fixed length can be obtained.

[0054] It can be understood that by calculating the above evaluation information using a hash algorithm, a check code for verifying whether the current transaction payment is completed can be obtained, and in this way, a payment voucher for confirming the transaction payment can be obtained accurately and quickly.

[0055] Step 205: Add the above payment voucher to the transaction log.

[0056] In an embodiment of the present application, the above transaction log can be used to view historical transaction records. It can be understood that the user can check the payment status of this transaction by retrieving the transaction log.

[0057] In an embodiment of the present application, the above transaction log can be stored in a storage space independent of the transaction payment system so that the user can retrieve and view the transaction payment situation at any time.

[0058] The transaction payment confirmation method provided by the embodiment of the present application, when transaction payment confirmation is required, first obtains the numerical information corresponding to N element information of the financial voucher in the target database configuration, and then performs a target operation on the numerical information corresponding to the N element information according to a first preset algorithm to obtain the evaluation information corresponding to the above-mentioned financial voucher. After that, when the above evaluation information meets the first predetermined condition, the transaction payment is confirmed. Finally, the hash algorithm is used to calculate the above evaluation information to generate a payment voucher representing the confirmed transaction payment, and the above payment voucher is added to the transaction log for subsequent viewing of the transaction status. In this way, in the case of flexible changes in the business scenario of the financial voucher, by obtaining different element information, it is possible to quickly determine whether transaction payment can be made in different business scenarios, thus eliminating the need to spend a large amount of manpower and material resources to re-judge in the case of business scenario changes, and improving the security and efficiency of transaction payment.

[0059] Optionally, in the embodiment of the present application, in step 201, in the transaction payment confirmation method provided by the embodiment of the present application, the following step A may be included:

[0060] Step A: Obtain the numerical information corresponding to the target scenario of the above N element information in the target database configuration.

[0061] Exemplarily, the above target scenario may be the business scenario of the actual transaction payment of the above financial voucher.

[0062] It can be understood that each transaction may correspond to different scenarios. For example, for the online transaction payment of the same A software, the transaction method in the element information may be a cash transfer transaction or a credit overdraft transaction. Correspondingly, other element information may also include various different possibilities. Therefore, the same element information may correspond to multiple different numerical values in the target database configuration.

[0063] It should be noted that for different target scenarios, the target database configuration may include the numerical information corresponding to the element information matching the target scenario, may not include the numerical information corresponding to the element information matching the scenario, that is, it only includes the numerical information corresponding to the element information matching the scenario in the normal scenario. In the case of not including the numerical information corresponding to the element information matching the scenario, the numerical information corresponding to the element information matching the scenario in the normal scenario can be selected for subsequent target operations.

[0064] In this way, when performing transaction payment in the target scenario, if possible, the numerical information corresponding to the element information matching the target scenario can be screened out for subsequent target operations, so as to more accurately, quickly and conveniently confirm the possibility of the financial voucher transaction payment.

[0065] Optionally, in the embodiments of the present application, when the first element information among the above N element information corresponds to X numerical information, where X is a positive integer greater than 1, before step 202, the transaction payment confirmation method provided by the embodiments of the present application further includes the following step B:

[0066] Step B: Determine M combination ways of the numerical information corresponding to the N element information, where M is an integer greater than or equal to X.

[0067] Exemplarily, the above first element information may include one element information or multiple element information.

[0068] In one example, when the above first element information includes one element information, each numerical information in the one element information corresponds to X numerical information in the above target database configuration.

[0069] In another example, when the above element information includes multiple element information, the multiple element information corresponds to multiple numerical information in the above target database configuration, and the sum of the number of multiple numerical information is X.

[0070] Exemplarily, the above combination way is: the permutation and combination way between the numerical information corresponding to the N element information.

[0071] In one example, when the above first element information includes one element information, each numerical information in the element information needs to be combined with the numerical information corresponding to the other element information except the first element information to generate X different combinations of element information.

[0072] In another example, when the above first element information includes multiple element information, each numerical information corresponding to each element information in the multiple element information needs to be combined with the numerical information corresponding to the other element information except the first element information, and finally generate multiple different combinations of element information.

[0073] Example 1: Assume that the financial voucher includes 5 element information (i.e., N element information), namely payment dimension, payment method, transaction type, product code, and user login status. Among them, the numerical information corresponding to the payment method includes 2, namely: 01, 02, the numerical information corresponding to the transaction type includes 2, namely: 30, 64, and the other element information all corresponds to fixed numerical information. The numerical information corresponding to the payment dimension is P (i.e., indicating the payment method), the numerical information corresponding to the product code is 100010010000, and the numerical information corresponding to the user login status is 1, which means the user has logged in. In this case, there will be 4 permutation and combination methods of the numerical information corresponding to 4 element information (i.e., the above M combination methods), namely: 1. P|01|30|100010010000|1, 2. P|01|64|100010010000|1, 3. P|02|30|100010010000|1, 4. P|02|64|100010010000|1.

[0074] It should be noted that in the process of determining the M combination methods of the numerical information corresponding to the N element information above, it can actually be divided into two steps. The first step: In the target database configuration, filter out all possible numerical values of the element information. When there are different numerical values, different numerical values of this element information can be separated by a preset method. For example, the possible numerical values corresponding to the above financial voucher in the target database configuration are P|01 - 02|30 - 64|100010010000|1; The second step: In the computer, perform permutation and combination on the possible numerical values corresponding to the above financial voucher in the target database configuration, and use a preset method to separate different numerical values to generate the above 4 different permutation and combination methods.

[0075] In this way, by permuting and combining the numerical information corresponding to the element information related to the financial voucher in the target database configuration, the actual situations that the actual transaction payment of the financial voucher may face can be comprehensively sorted out, which is convenient for subsequent determination of whether the financial voucher meets the conditions for transaction payment, so as to complete the transaction payment safely and quickly.

[0076] Optionally, in the embodiment of the present application, in step 202 above, the transaction payment confirmation method provided by the embodiment of the present application may include the following step C:

[0077] Step C: According to the code program corresponding to the first preset algorithm, calculate the above M combination methods respectively to obtain the M evaluation information corresponding to the above financial voucher.

[0078] Exemplarily, the above first preset algorithm is as described above, and will not be elaborated here.

[0079] Exemplarily, after confirming the above M combination methods, each of the M combination methods is calculated.

[0080] Example 2: After confirming the above 4 permutation and combination methods of 5 element information, the Cartesian product operation method can be used in the code for calculation to obtain the numerical values of the evaluation information corresponding to each permutation and combination method.

[0081] It can be understood that, as Figure 2 shown, after confirming the above 4 permutation and combination methods, it is necessary to input the numerical information of the element information corresponding to the above 4 permutation and combination methods in a predetermined format, and then use the first preset algorithm for calculation to obtain the evaluation information.

[0082] In this way, after the combination method of the numerical information of the financial vouchers, the calculation can be quickly performed using a predetermined algorithm, thereby saving the time for obtaining the above evaluation information and improving the efficiency of obtaining the evaluation information.

[0083] Optionally, in the embodiment of the present application, after the above step C, the transaction payment confirmation method provided by the embodiment of the present application may further include the following step D1:

[0084] Step D1: Determine the target evaluation information among the above M evaluation information.

[0085] Based on the above step D1, the above step 203 may include the following step D2:

[0086] Step D2: Confirm the transaction payment when the above target evaluation information meets the first predetermined condition.

[0087] Exemplarily, the above target evaluation information is the evaluation information among the above M evaluation information whose matching degree with the above financial vouchers meets the second preset condition.

[0088] Exemplarily, the above second preset condition can be preset or user-defined.

[0089] In one example, the above second preset condition is to screen out the evaluation information that is closest to the target scenario among the evaluation information.

[0090] Exemplarily, the above target evaluation information is the evaluation information that is closest to the target scenario among the evaluation information.

[0091] Exemplarily, the above first preset condition can refer to the foregoing description and will not be elaborated here.

[0092] In this way, in the case of obtaining the evaluation information corresponding to the numerical information combination of multiple element information, the reliability and accuracy of the target evaluation information can be improved by screening out the evaluation information that is closest to the target scenario requirements.

[0093] Optionally, in the embodiments of the present application, when the above financial voucher includes Y element information, before step 201, the transaction payment confirmation method provided by the embodiments of the present application may further include the following step E:

[0094] Step E: According to the above second preset algorithm, screen out N element information that matches the real-time transaction environment of the financial voucher from the Y element information, where Y is an integer greater than or equal to N.

[0095] It can be understood that the above financial voucher may correspond to multiple element information, but not all element information is used for transaction payment evaluation. For example, a certain financial voucher may correspond to 10 element information, but only 5 of them are used for transaction payment evaluation.

[0096] Exemplarily, the above second preset algorithm can be pre-set in advance or customized.

[0097] Exemplarily, the element information corresponding to different financial vouchers may be different. By setting the second preset algorithm, the element information of the financial vouchers that need to identify and evaluate information can be screened.

[0098] In this way, the most critical element information can be screened out, which can not only ensure the accuracy of the evaluation information, but also save the computing resources for calculating the financial voucher evaluation information using the first preset algorithm subsequently.

[0099] Optionally, in the embodiments of the present application, before step 201, the transaction payment confirmation method provided by the embodiments of the present application may further include the following step F1 and step F2:

[0100] Step F1: Receive the first input from the user.

[0101] Step F2: In response to the above first input, determine the N element information of the above financial voucher.

[0102] Exemplarily, the above first input may be a touch input, for example, a click input or a swipe input; it may also be a voice input or an input of a special gesture. The embodiments of the present application do not limit this.

[0103] Exemplarily, the above first input is used to modify and confirm the element information of the financial voucher.

[0104] In one example, the above first input may be used to modify and confirm the element type of the financial voucher. For example, the element information of the financial voucher can be added, queried, modified and edited, or deleted.

[0105] In another example, the above first input can be used to modify and confirm the content in the element information of the financial voucher. For example, the scenario code in the financial voucher can be modified and edited, the payment method can be deleted, and the user credit limit can be added, etc.

[0106] In this way, by reserving an interface for manual interference for confirming the element information, the flexibility of obtaining the evaluation information can be further increased. And since only manual interference is required in this part of confirming the element information, the subsequent confirmation of the evaluation information can still be completed by the machine without the need for manual re-evaluation in all aspects, thus greatly reducing the human input and improving the efficiency of obtaining the evaluation information.

[0107] To solve the above technical problems, an embodiment of the present invention further provides a transaction payment confirmation device. Specifically, please refer to Figure 3 , Figure 3 which is the basic structure schematic diagram of the transaction payment confirmation device in this embodiment.

[0108] As Figure 3 shown, a transaction payment confirmation device includes: an acquisition module 301, configured to acquire the numerical information corresponding to N element information of a financial voucher in a target database configuration, where the N element information includes at least one of the following: transaction payment dimension, transaction method, transaction type, transaction quantity, transaction authentication code, user's current transaction status, and N is a positive integer; an execution module 302, configured to perform a target operation on the numerical information corresponding to the N element information acquired by the acquisition module 301 according to a first preset algorithm to obtain the evaluation information corresponding to the financial voucher, where the first preset algorithm is a preset code program of a computer; a confirmation module 303, configured to confirm the transaction payment when the evaluation information meets a first predetermined condition; a generation module 304, configured to calculate the evaluation information confirmed by the confirmation module 303 by using a hash algorithm to generate a payment voucher representing the confirmed transaction payment; an addition module 305, configured to add the payment voucher generated by the generation module 304 to a transaction log.

[0109] When a transaction payment confirmation device needs to confirm a transaction payment, it first obtains the numerical information corresponding to N element information of a financial voucher in the target database configuration, and then performs a target operation on the numerical information corresponding to the N element information according to a first preset algorithm to obtain the evaluation information corresponding to the above financial voucher. After that, when the above evaluation information meets the first predetermined condition, the transaction payment is confirmed. Finally, the hash algorithm is used to calculate the above evaluation information to generate a payment voucher representing the confirmed transaction payment, and the above payment voucher is added to the transaction log for subsequent viewing of the transaction status. In this way, in the case of flexible changes in the business scenario of the financial voucher, by obtaining different element information, it is possible to quickly determine whether a transaction payment can be made in different business scenarios, thus eliminating the need to spend a large amount of manpower and material resources to re-judge in the case of business scenario changes, improving the security and efficiency of transaction payment.

[0110] In some embodiments, the obtaining module 301 is specifically configured to obtain the numerical information corresponding to the target scenario of the above N element information in the target database configuration.

[0111] In some embodiments, when the first element information in the above N element information corresponds to X numerical information, where X is a positive integer greater than 1, the determining module 303 is further configured to determine M combination modes of the numerical information corresponding to the N element information, where M is an integer greater than or equal to X.

[0112] In some embodiments, the executing module 302 is specifically configured to calculate the above M combination modes respectively according to the code program corresponding to the first preset algorithm to obtain M evaluation information corresponding to the above financial voucher.

[0113] In some embodiments, the determining module 303 is further configured to determine a target evaluation information among the above M evaluation information; wherein, the target evaluation information is the evaluation information whose matching degree with the above financial voucher meets the second preset condition among the above M evaluation information; the confirmation module is specifically configured to confirm the transaction payment when the above target evaluation information meets the first predetermined condition.

[0114] In some embodiments, when the above financial voucher includes Y element information, the determining module 303 is further configured to screen out N element information that matches the real-time transaction environment of the above financial voucher from the above Y element information according to a second preset algorithm, where Y is an integer greater than or equal to N.

[0115] In some embodiments, the above-mentioned transaction payment confirmation device further includes: a receiving module 306, configured to receive a first input from a user; the above-mentioned determining module 303 is further configured to determine N element information of the above-mentioned financial voucher in response to the above-mentioned first input received by the above-mentioned receiving module 306.

[0116] To solve the above technical problems, an embodiment of the present invention further provides a computer device. For details, please refer to Figure 3 , Figure 4 which is the basic structural block diagram of the computer device in this embodiment.

[0117] As Figure 4 shown, it is a schematic internal structure diagram of a computer device. The computer device includes a processor, a non-volatile storage medium, a memory, and a network interface connected through a system bus. Among them, the non-volatile storage medium of the computer device stores an operating system, a database, and computer-readable instructions. Control information sequences can be stored in the database. When the computer-readable instructions are executed by the processor, the processor can implement a data relationship reconstruction method. The processor of the computer device is used to provide computing and control capabilities to support the operation of the entire computer device. Computer-readable instructions can be stored in the memory of the computer device. When the computer-readable instructions are executed by the processor, the processor can execute a data relationship reconstruction method. The network interface of the computer device is used to connect and communicate with a terminal. Those skilled in the art can understand that Figure 4 the structure shown in

[0118] is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements. Figure 3 In this embodiment, the processor is used to execute the specific functions of the obtaining module 301, the executing module 302, the confirming module 303, the calculating module 304, and the adding module 305 in

[0119] The computer device constructs the data relationships between the collected transaction nodes into a node feature map and a corresponding adjacency matrix, and uses a graph neural network to extract features from the node feature map and the adjacency matrix, and performs relationship reconstruction based on the extracted features. When performing relationship reconstruction, the graph neural network reconstructs the data based on the hidden logical relationships between the learned data. The process of relationship reconstruction is the process of restoring the data node feature map and the adjacency matrix. When the graph neural network performs the process of scattering and reorganizing the data node feature map and the adjacency matrix, it verifies the correctness of the hidden association relationships between the learned transaction nodes. Then, it uses the learned hidden relationships to perform relationship reconstruction on each transaction node, selects the target transaction nodes that meet the conditions for subsequent use, and through graphics processing technology, deeply interprets the logical relationships behind the data, improving the depth and efficiency of data analysis.

[0120] The present invention also provides a computer-readable storage medium, which stores a transaction payment confirmation program. When the transaction payment confirmation program is executed by a processor, the steps of the above-mentioned transaction payment confirmation method are implemented.

[0121] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned various methods. Among them, the aforementioned storage medium can be a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM), etc.

[0122] Those skilled in the art of the present technology can understand that the various operations, methods, steps, measures, and solutions in the processes discussed in this application can be alternated, changed, combined, or deleted. Further, other steps, measures, and solutions in the various operations, methods, and processes discussed in this application can also be alternated, changed, rearranged, decomposed, combined, or deleted. Further, the steps, measures, and solutions in the prior art that are the same as those disclosed in the various operations, methods, and processes in this application can also be alternated, changed, rearranged, decomposed, combined, or deleted.

[0123] The above are only partial embodiments of this application. It should be noted that for those of ordinary skill in the art of the present technology, without departing from the principle of this application, several improvements and refinements can be made, and these improvements and refinements should also be regarded as the protection scope of this application.

Claims

1. A transaction payment confirmation method, characterized in that, Including: Obtain the numerical information corresponding to the target scenario in the target database configuration for N element information of the financial voucher, where the N element information includes at least one of the following: transaction payment dimension, transaction method, transaction type, number of transactions, transaction authentication code, current transaction status of the user, and N is a positive integer; Perform a target operation on the numerical information corresponding to the N element information according to a first preset algorithm to obtain the evaluation information corresponding to the financial voucher. The first preset algorithm is a preset code program of a computer, and the target operation is an operation of calculating the transaction payment possibility of the financial voucher using the first preset algorithm; when the first element information in the N element information corresponds to X numerical information, where X is a positive integer greater than 1, before performing the target operation on the numerical information corresponding to the N element information according to the first preset algorithm to obtain the evaluation information corresponding to the financial voucher, the method includes: determining M combination methods of the numerical information corresponding to the N element information, where M is an integer greater than or equal to X; When the evaluation information meets a first predetermined condition, confirm the transaction payment. The first predetermined condition is a condition for determining whether the above evaluation information reaches the payment standard; Calculate the evaluation information using a hash algorithm to generate a payment voucher representing the confirmed transaction payment; Add the payment voucher to the transaction log; Among them, performing the target operation on the numerical information corresponding to the N element information according to the first preset algorithm to obtain the evaluation information corresponding to the financial voucher includes: Calculate the M combination methods respectively according to the code program corresponding to the first preset algorithm to obtain M evaluation information corresponding to the financial voucher; Determine the target evaluation information among the M evaluation information, where the target evaluation information is the evaluation information whose matching degree with the financial voucher among the M evaluation information meets a second preset condition; The step of confirming the transaction payment when the evaluation information meets the first predetermined condition includes: Confirm the transaction payment when the target evaluation information meets the first predetermined condition.

2. The method according to claim 1, wherein When the financial voucher includes Y element information, before determining the numerical information corresponding to the N element information of the financial voucher in the target database configuration, the method further includes: Filter out N element information that matches the real-time transaction environment of the financial voucher from the Y element information according to a second preset algorithm, where Y is an integer greater than or equal to N.

3. The method according to claim 1, wherein Before obtaining the numerical information corresponding to the N element information of the financial voucher in the target database configuration for the target scenario, the method further includes: Receive a first input from the user; In response to the first input, determine the N element information of the financial voucher.

4. A transaction payment confirmation device, characterized in that, Including: An acquisition module, configured to obtain the numerical information corresponding to the target scenario in the target database configuration for N element information of the financial voucher, where N is a positive integer; An execution module, configured to perform a target operation on the numerical information corresponding to the N element information obtained by the acquisition module according to a first preset algorithm, so as to obtain evaluation information corresponding to the financial voucher, where the target operation is an operation of calculating the transaction payment possibility of the financial voucher by using the first preset algorithm; A confirmation module, configured to confirm the transaction payment when the evaluation information meets a first predetermined condition, where the first predetermined condition is a condition for determining whether the above evaluation information reaches the payment standard; A generation module, configured to calculate the evaluation information confirmed by the confirmation module by using a hash algorithm to generate a payment voucher representing the confirmed transaction payment; An addition module, configured to add the payment voucher generated by the generation module to a transaction log; Wherein, when the first element information in the N element information corresponds to X numerical information, X is a positive integer greater than 1, and the confirmation module is further configured to determine M combination modes of the numerical information corresponding to the N element information, and M is an integer greater than or equal to X; The execution module is specifically configured to: calculate the M combination modes respectively according to the code program corresponding to the first preset algorithm to obtain M pieces of evaluation information corresponding to the financial voucher; The confirmation module is further configured to determine a target evaluation information among the M pieces of evaluation information, where the target evaluation information is the evaluation information whose matching degree with the financial voucher among the M pieces of evaluation information meets a second preset condition; the step of confirming the transaction payment when the evaluation information meets the first predetermined condition includes: confirming the transaction payment when the target evaluation information meets the first predetermined condition.

5. A computer device, characterized in that, The computer device includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores a program executable by the at least one processor, and the program is executed by the at least one processor so that the at least one processor can execute the transaction payment confirmation method according to any one of claims 1 to 3.

6. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a transaction payment confirmation program, and when the transaction payment confirmation program is executed by a processor, the steps of the transaction payment confirmation method according to any one of claims 1 to 3 are implemented.

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