Counter transaction data processing method, device, electronic device and storage medium

Abstract

The present invention discloses a counter transaction data processing method, apparatus, electronic device and storage medium. Among them, the method includes obtaining a counter transaction request submitted by a network teller based on a first terminal, where the counter transaction request includes a counter transaction type, and the counter transaction type includes a combined transaction; when the counter transaction type of the counter transaction request is a combined transaction, determining a background actual transaction corresponding to the combined transaction; determining an authorization level of the combined transaction according to the background actual transaction corresponding to the combined transaction, and generating an authorization request according to the authorization level of the combined transaction; sending the authorization request to a second terminal; receiving authorization information corresponding to the authorization request submitted by an authorizing person based on the second terminal, and executing the background actual transaction corresponding to the combined transaction according to the authorization information. The counter transaction data processing method, apparatus, electronic device and storage medium provided by the present invention reduce the number of authorizations, improve the business handling efficiency, and reduce the labor cost.

Description

Technical Field

[0001] Embodiments of the present invention relate to the technical field of financial business processing, and in particular, to a counter transaction data processing method, apparatus, electronic device, and storage medium. Background Art

[0002] Currently, the authorization management of counter transactions is system-controlled according to actual transactions in the background. The main counter transaction method is that the teller at the branch conducts counter transaction operations on behalf of the customer, and the authorization personnel authorize the counter transactions conducted by the teller at the branch on behalf of the customer to ensure the compliance of transaction operations.

[0003] Among them, a counter transaction submitted by a teller at a branch may call multiple actual transactions in the background, resulting in multiple authorization problems. For example, the dual-hanging reissuance transaction of a bank card involves bank card loss reporting, password loss reporting, bank card reissuance, and password reset, corresponding to 4 actual transactions in the background and requiring 4 authorizations; the single-fold dual-hanging reissuance transaction involves password loss reporting, single-fold reissuance, and password reset, corresponding to 3 actual transactions in the background and requiring 3 authorizations. Multiple authorizations for a counter transaction submitted at one time not only affect the business handling efficiency but also increase the additional labor cost. Summary of the Invention

[0004] The present invention provides a counter transaction data processing method, apparatus, electronic device, and storage medium to reduce the number of authorizations, improve the business handling efficiency, and reduce the labor cost.

[0005] In a first aspect, an embodiment of the present invention provides a counter transaction data processing method, including:

[0006] Obtaining a counter transaction request submitted by a teller at a branch based on a first terminal, where the counter transaction request includes a counter transaction type, and the counter transaction type includes a combined transaction, and there is a mapping relationship between the combined transaction and at least two actual transactions in the background;

[0007] When the counter transaction type of the counter transaction request is the combined transaction, determining the actual transactions in the background corresponding to the combined transaction;

[0008] Determining the authorization level of the combined transaction according to the actual transactions in the background corresponding to the combined transaction, and generating an authorization request according to the authorization level of the combined transaction;

[0009] Sending the authorization request to a second terminal;

[0010] Receiving authorization information corresponding to the authorization request submitted by the authorization personnel based on the second terminal, and executing the actual transactions in the background corresponding to the combined transaction according to the authorization information.

[0011] Second aspect, an embodiment of the present invention further provides a counter transaction data processing device, which includes:

[0012] A counter transaction request acquisition unit, configured to acquire a counter transaction request submitted by a network teller based on a first terminal. The counter transaction request includes a counter transaction type, and the counter transaction type includes a combined transaction. Among them, there is a mapping relationship between the combined transaction and at least two background actual transactions;

[0013] A background actual transaction determination unit, configured to determine the background actual transactions corresponding to the combined transaction when the counter transaction type of the counter transaction request is the combined transaction;

[0014] An authorization request generation unit, configured to determine the authorization level of the combined transaction according to the background actual transactions corresponding to the combined transaction, and generate an authorization request according to the authorization level of the combined transaction;

[0015] An authorization request sending unit, configured to send the authorization request to a second terminal;

[0016] A background actual transaction execution unit, configured to receive authorization information corresponding to the authorization request submitted by an authorizing person based on the second terminal, and execute the background actual transactions corresponding to the combined transaction according to the authorization information.

[0017] Third aspect, an embodiment of the present invention further provides an electronic device, which includes:

[0018] One or more processors;

[0019] A storage device, configured to store one or more programs,

[0020] When the one or more programs are executed by the one or more processors, the one or more processors implement the counter transaction data processing method described in the first aspect.

[0021] Fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored. The feature is that when the program is executed by a processor, it implements the counter transaction data processing method described in the first aspect.

[0022] The method, device, electronic device, and storage medium for processing counter transaction data provided by the embodiments of the present invention add a combined transaction type, and establish a corresponding relationship based on the combined transaction and the background actual transactions it invokes. When a counter transaction involves multiple background actual transactions, the branch teller only needs to invoke the combined transaction and authorize it once to complete the authorization of the multiple background actual transactions corresponding to the combined transaction, thereby solving the problem of multiple authorizations in counter transactions, realizing one-time authorization of counter transactions, optimizing the business operation process, improving the business handling efficiency, reducing labor costs, and enhancing the user experience. At the same time, by adding a combined transaction to achieve one-time authorization of counter transactions, the development workload is small, the program function is simple, the resource consumption is low, and the system performance is not affected. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 It is a schematic flowchart of a method for processing counter transaction data provided by an embodiment of the present invention;

[0024] Figure 2 It is a schematic flowchart of another method for processing counter transaction data provided by an embodiment of the present invention;

[0025] Figure 3 It is a schematic flowchart of yet another method for processing counter transaction data provided by an embodiment of the present invention;

[0026] Figure 4 It is a schematic structural diagram of a device for processing counter transaction data provided by an embodiment of the present invention;

[0027] Figure 5 It is a schematic structural diagram of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0028] The present invention will be further described in detail below with reference to the drawings and embodiments. It can be understood that the specific embodiments described herein are only used to explain the present invention, rather than limiting the present invention. In addition, it should be noted that for the sake of description, only parts related to the present invention are shown in the drawings, rather than all the structures.

[0029] Figure 1 It is a schematic flowchart of a method for processing counter transaction data provided by an embodiment of the present invention. This embodiment is applicable to the situation of processing counter transactions submitted by branch tellers. This method can be executed by the device for processing counter transaction data provided by the embodiments of the present invention. The device can be implemented in a hardware and / or software manner and is generally integrated into an electronic device, such as a background server, etc. As Figure 1 shown, the method for processing counter transaction data specifically includes:

[0030] S110. Obtain a counter transaction request submitted by a teller at a branch based on the first terminal. The counter transaction request includes a counter transaction type. The counter transaction type includes a combination transaction. There is a mapping relationship between the combination transaction and at least two backend real transactions.

[0031] Among them, the first terminal refers to the front-end system of the branch teller of each branch. The first terminal can be set up in multiple branches, and one branch can also have multiple first terminals. The branch tellers of each branch can perform counter transactions on behalf of customers through the first terminal.

[0032] Over-the-counter transactions refer to transactions conducted by users at the counters of business-related outlets.

[0033] Specifically, the branch teller can input the transaction elements of the counter transaction to be processed by the customer into the first terminal on behalf of the customer, generate a counter transaction request, and submit the counter transaction request to the counter transaction data processing device through the first terminal, wherein the transaction elements of the counter transaction may include the counter transaction type, user identity information, account information, and transaction information, and the transaction information may include the transaction amount, etc.

[0034] The types of counter transactions include combination transactions. A combination transaction is a new background combination transaction created when a branch teller submits multiple background real transactions at one time through a first terminal. There is a mapping relationship between a combination transaction and at least two background real transactions. Among them, a background real transaction refers to a transaction that implements the counter transaction business processing logic. The background real transaction is executed by a counter transaction data processing device to realize the processing of counter transactions.

[0035] Specifically, a combined transaction may be pre-set based on multiple backstage actual transactions that may be handled together by branch tellers, and the mapping relationship between the combined transaction and the backstage actual transaction may be stored in the counter transaction data processing device.

[0036] Among them, multiple combination transactions can be set up. For example, the combination transaction may include a bank card double-hanging reissue combination transaction and a single-discount double-hanging reissue combination transaction. Among them, the bank card double-hanging reissue combination transaction has a mapping relationship with the background actual transactions corresponding to the four businesses of bank card loss report, password loss report, bank card reissue and password reset; the single-discount double-hanging reissue combination transaction has a mapping relationship with the background actual transactions corresponding to the three businesses of password loss report, single-discount reissue and password reset.

[0037] S120: When the counter transaction type of the counter transaction request is a combination transaction, determine the background actual transaction corresponding to the combination transaction.

[0038] Among them, the identifier of the combined transaction can be displayed on the display interface of the first terminal, so that the teller at the branch can select the corresponding combined transaction on the display interface of the first terminal and input relevant transaction elements, thereby generating a counter transaction request with the counter transaction type of the combined transaction on the first terminal, and submitting the counter transaction request to the counter transaction data processing device through the first terminal.

[0039] After the counter transaction data processing device receives the counter transaction request of the combined transaction, it determines the background actual transaction corresponding to the combined transaction. It can be understood that since there is a mapping relationship between the combined transaction and the background actual transaction, the background actual transaction corresponding to the combined transaction can be determined from the combined transaction.

[0040] S130. Determine the authorization level of the combined transaction according to the background actual transaction corresponding to the combined transaction, and generate an authorization request according to the authorization level of the combined transaction.

[0041] Among them, there are many scenarios in counter transactions that require controlling transaction risks. According to the specific business scenario, authorization control can be performed on the background actual transactions corresponding to transactions with risks, exceeding a certain amount, or special processing operations handled through the counter channel in the transaction data processing device, so that the background actual transactions with risks can be executed only after being authorized by authorized personnel with corresponding permissions to control transaction risks.

[0042] Furthermore, set a lower authorization level for background actual transactions with lower risks or smaller amounts, that is, authorization by lower-level authorized personnel is sufficient to avoid waste of human resources; set a higher authorization level for background actual transactions with higher risks or larger amounts, that is, authorization by higher-level authorized personnel is required to ensure the accuracy of transaction authorization. Among them, the authorization level refers to the magnitude of the power necessary to execute the background actual transaction.

[0043] In this embodiment, after determining the background actual transactions corresponding to the combined transaction, check the authorization control of these background actual transactions, determine the authorization level of the combined transaction according to the authorization levels of each background actual transaction, and generate an authorization request according to the authorization level of the combined transaction.

[0044] S140. Send the authorization request to the second terminal.

[0045] In this embodiment, the authorization request generated according to the authorization level of the combined transaction is sent to the second terminal so that the authorized personnel can perform authorization based on the authorization request.

[0046] Among them, the second terminal and the first terminal can be the same terminal. The authorized personnel at the branch go to the terminal where the teller at the branch submits the counter transaction request to verify and confirm the counter transaction request, and perform authorization through fingerprints, teller numbers, passwords, etc.

[0047] Optionally, the second terminal and the first terminal can also be different terminals. For example, the second terminal is located at the authorization center and is authorized by full-time authorization personnel at the authorization center to achieve remote authorization, avoid collusion between network authorization personnel and network tellers to handle non-compliant transactions, and control transaction risks.

[0048] S150. Receive the authorization information corresponding to the authorization request submitted by the authorization personnel based on the second terminal, and execute the background real transaction corresponding to the combined transaction according to the authorization information.

[0049] Exemplarily, the second terminal receives the authorization request sent by the counter transaction data processing device. The authorization personnel authorize the authorization request based on the second terminal and feedback the authorization information to the counter transaction data processing device through the second terminal. The counter transaction data processing device receives the authorization information and applies the authorization information to multiple background real transactions corresponding to the combined transaction for execution. Among them, the authorization personnel only need to authorize the combined transaction once to execute multiple background real transactions corresponding to the combined transaction, without having to authorize multiple background real transactions submitted by the network teller at one time, improving the business handling efficiency, reducing the labor cost, and improving the user experience.

[0050] In summary, the counter transaction data processing method provided by the embodiments of the present invention adds a combined transaction type and establishes a corresponding relationship based on the combined transaction and the background real transactions it calls. When the counter transaction involves multiple background real transactions, the network teller only needs to call the combined transaction and authorize the combined transaction once to complete the authorization of multiple background real transactions corresponding to the combined transaction, thereby solving the problem of multiple authorizations in counter transactions, realizing one-time authorization of counter transactions, optimizing the business operation process, improving the business handling efficiency, reducing the labor cost, and improving the user experience. At the same time, by adding a combined transaction to achieve one-time authorization of counter transactions, the development workload is small, the program function is simple, the resource consumption is low, and the system performance is not affected.

[0051] Optionally, determining the authorization level of the combined transaction according to the background real transactions corresponding to the combined transaction includes:

[0052] Determine the authorization level of each background real transaction corresponding to the combined transaction.

[0053] Determine the highest authorization level as the authorization level of the combined transaction according to the authorization levels of each background real transaction.

[0054] Among them, determining the authorization level of each background real transaction corresponding to the combined transaction and taking the highest authorization level as the authorization level of the combined transaction, so that the authorization level of the combined transaction can meet the authorization level requirements of each background real transaction corresponding to the combined transaction.

[0055] Optionally, perform the corresponding back-office actual transaction for the combined transaction according to the authorization information, including:

[0056] Judge whether the authorization is passed according to the authorization information.

[0057] If the authorization fails, return an authorization failure message to the first terminal.

[0058] If the authorization is passed, apply the authorization information to the corresponding back-office actual transaction of the combined transaction, and sequentially execute the corresponding back-office actual transaction of the combined transaction.

[0059] Among them, the authorized person processes the authorization request sent by the counter transaction data processing device through the second terminal, and returns the authorization information to the counter transaction data processing device through the second terminal. The counter transaction data processing device judges whether the authorization is passed according to the authorization information.

[0060] Exemplarily, the authorization information may include the permission level of the authorized person, where the permission level refers to the magnitude of the power possessed by the authorized person.

[0061] When the combined transaction fails to pass the approval of the authorized person, the authorized person fails to authorize the combined transaction, or, although the authorized person gives authorization to the combined transaction, but the permission level of the authorized person is lower than the authorization level of the combined transaction, then the counter transaction data processing device judges that the authorization fails. At this time, the counter transaction data processing device returns an authorization failure message to the first terminal, and this counter transaction ends.

[0062] When the combined transaction passes the approval of the authorized person, the authorized person gives authorization to the combined transaction, and the permission level of the authorized person is not lower than the authorization level of the combined transaction, then the counter transaction data processing device judges that the authorization is passed. At this time, the counter transaction data processing device applies the authorization information of the combined transaction to the corresponding multiple back-office actual transactions of the combined transaction, and sequentially executes the corresponding back-office actual transactions of the combined transaction to complete the handling of the counter transaction.

[0063] Among them, the execution order of the back-office actual transaction can be written into the counter transaction request when the network teller submits the counter transaction request, or can be determined by other means, and the embodiments of the present invention do not limit this.

[0064] Optionally, when sequentially executing the corresponding back-office actual transactions of the combined transaction, it includes:

[0065] If an error occurs during the execution of the back-office actual transaction, roll back the back-office actual transaction with the error, and abort the unexecuted back-office actual transaction.

[0066] Feed back the transaction information of the executed back-office actual transaction to the first terminal.

[0067] Among them, when the back-office actual transactions corresponding to the combined transactions are executed in sequence, if an error occurs during the execution of a back-office actual transaction, an error message will be reported. For example, when a user handles a current deposit withdrawal transaction, an error message will be reported when the account balance is less than the amount to be withdrawn.

[0068] If an error occurs in the executed back-office actual transaction, roll back the back-office actual transaction with the error so that it returns to the state before execution, abort the unexecuted back-office actual transactions, and feedback the transaction information of the executed back-office actual transactions to the first terminal, and this counter transaction ends.

[0069] Among them, the error information of the error can also be fed back to the first terminal. The error information can include the back-office actual transaction with the error, error code information, and unexecuted back-office actual transactions, etc. The error code information can be used to troubleshoot the cause of the error.

[0070] Furthermore, if the back-office actual transactions corresponding to the combined transactions are all executed normally, the counter transaction data processing device will feedback the relevant information of the back-office actual transactions to the first terminal, and this counter transaction ends.

[0071] Optionally, the counter transaction type also includes back-office actual transactions.

[0072] After obtaining the counter transaction request submitted by the branch teller based on the first terminal, it further includes:

[0073] When the counter transaction type of the counter transaction request is a back-office actual transaction, determine whether the back-office actual transaction requires authorization.

[0074] When the back-office actual transaction does not require authorization, execute the back-office actual transaction.

[0075] When the back-office actual transaction requires authorization, determine the authorization level of the back-office actual transaction and generate an authorization request according to the authorization level of the back-office actual transaction.

[0076] Send the authorization request to the second terminal.

[0077] Receive the authorization information corresponding to the authorization request submitted by the authorizing personnel based on the second terminal, and execute the back-office actual transaction according to the authorization information.

[0078] Among them, when the counter transaction only involves one back-office actual transaction, the counter transaction type is the back-office actual transaction. The identifier corresponding to the single back-office actual transaction can be displayed on the display interface of the first terminal, so that it is convenient for the branch teller to select the corresponding back-office actual transaction on the display interface of the first terminal and input relevant transaction elements, thereby generating a counter transaction request with the counter transaction type of the back-office actual transaction on the first terminal and submitting the counter transaction request to the counter transaction data processing device through the first terminal.

[0079] After the transaction data processing device receives the counter transaction request for the actual background transaction, it checks the authorization control for the actual background transaction to determine whether the actual background transaction requires authorization. If the actual background transaction does not require authorization, the actual background transaction is directly executed. If the actual background transaction requires authorization, the authorization level of the actual background transaction is determined, and an authorization request is generated based on the authorization level of the actual background transaction and sent to the second terminal so that the authorizing personnel can perform authorization based on the authorization request.

[0080] The second terminal receives the authorization request sent by the counter transaction data processing device. The authorizing personnel perform authorization on the authorization request based on the second terminal and feedback the authorization information to the counter transaction data processing device through the second terminal. The counter transaction data processing device receives the authorization information and applies the authorization information to the actual background transaction for execution to complete the handling of the counter transaction.

[0081] Optionally, executing the actual background transaction according to the authorization information includes:

[0082] Judging whether the authorization is passed according to the authorization information;

[0083] If the authorization fails, an authorization failure message is returned to the first terminal;

[0084] If the authorization is passed, the authorization information is applied to the actual background transaction and the actual background transaction is executed.

[0085] Among them, the authorizing personnel perform authorization processing on the authorization request sent by the counter transaction data processing device through the second terminal and return the authorization information to the counter transaction data processing device through the second terminal. The counter transaction data processing device judges whether the authorization is passed according to the authorization information.

[0086] When the actual background transaction fails to pass the approval of the authorizing personnel, the authorizing personnel do not authorize the actual background transaction, or the authorizing personnel give authorization to the actual background transaction but the authority level of the authorizing personnel is lower than the authorization level of the actual background transaction, the counter transaction data processing device judges that the authorization fails. At this time, the counter transaction data processing device returns an authorization failure message to the first terminal and this counter transaction ends.

[0087] When the actual background transaction passes the approval of the authorizing personnel, the authorizing personnel give authorization to the actual background transaction and the authority level of the authorizing personnel is not lower than the authorization level of the actual background transaction, the counter transaction data processing device judges that the authorization is passed. At this time, the counter transaction data processing device applies the authorization information of the actual background transaction to the corresponding actual background transaction and executes the actual background transaction to complete the handling of the counter transaction.

[0088] Optionally, when executing the actual background transaction, it includes:

[0089] If an error occurs during the execution of a background real transaction, roll back the background real transaction with the error.

[0090] Feed back the error message to the first terminal.

[0091] If the background real transaction is executed normally, feed back the transaction information of the background real transaction to the first terminal.

[0092] Among them, during the execution of the background real transaction, if an error occurs, roll back the background real transaction with the error, so that the background real transaction returns to the state before execution, and feed back the error message of the error to the first terminal, and this counter transaction ends. Among them, the error message may include error code information, etc., and the error code information can be used to troubleshoot the cause of the error.

[0093] Furthermore, if the background real transaction is executed normally, the counter transaction data processing device will feed back the relevant information of the background real transaction to the first terminal, and this counter transaction ends.

[0094] It should be noted that since some background real transactions do not require authorization during execution, when setting up combined transactions, a mapping relationship can be set between the combined transaction and at least two background real transactions that require authorization, which helps to reduce the number of authorizations, improve the business handling efficiency, and reduce the labor cost.

[0095] To more clearly illustrate the process of the counter transaction data processing method provided by the embodiments of the present invention, the following uses a feasible implementation manner to elaborate on the counter transaction data processing method in detail.

[0096] Embodiment 1

[0097] Figure 2 It is a schematic flowchart of another counter transaction data processing method provided by the embodiments of the present invention. As Figure 2 shown, this counter transaction data processing method specifically includes:

[0098] S210. The network teller submits a counter transaction request based on the first terminal and invokes a combined transaction.

[0099] Among them, the network teller can input the transaction elements of the counter transaction to be handled by the customer into the first terminal on behalf of the customer, generate a counter transaction request, and submit the counter transaction request to the counter transaction data processing device through the first terminal. Among them, the transaction elements of the counter transaction may include counter transaction type, user identity information, account information, and transaction information, etc., and the transaction information may include transaction amount, etc.

[0100] Further, an identifier of the combined transaction can be displayed on the display interface of the first terminal, so that the teller at the branch can select the corresponding combined transaction on the display interface of the first terminal and input relevant transaction elements, thereby generating a counter transaction request with the counter transaction type being the combined transaction on the first terminal, and submitting the counter transaction request to the counter transaction data processing device through the first terminal to invoke the combined transaction.

[0101] S220. The counter transaction data processing device generates an authorization request according to the combined transaction and sends the authorization request to the second terminal.

[0102] Among them, the counter transaction data processing device checks the authorization control according to the combined transaction. Specifically, it determines the corresponding back-end actual transaction of the combined transaction according to the mapping relationship between the combined transaction and the back-end actual transaction, determines the authorization level of the combined transaction according to the authorization levels of these back-end actual transactions, generates an authorization request according to the authorization level of the combined transaction, and sends the authorization request to the second terminal so that the authorizing personnel can perform authorization based on the authorization request.

[0103] S230. The second terminal receives the authorization request, and the authorizing personnel submit the authorization information corresponding to the authorization request.

[0104] Among them, the second terminal receives the authorization request sent by the counter transaction data processing device. The authorizing personnel perform authorization on the authorization request on the second terminal and feedback the authorization information to the counter transaction data processing device through the second terminal.

[0105] S240. The counter transaction data processing device applies the authorization information to the back-end actual transactions corresponding to the combined transaction and sequentially executes the back-end actual transactions corresponding to the combined transaction.

[0106] Among them, after receiving the authorization information, the counter transaction data processing device checks whether the combined transaction is authorized successfully. If the authorization fails, the counter transaction data processing device returns an authorization failure message to the first terminal, and this counter transaction ends. If the authorization is successful, the counter transaction data processing device applies the authorization information of the combined transaction to the multiple back-end actual transactions corresponding to the combined transaction and sequentially executes the back-end actual transactions corresponding to the combined transaction to complete the handling of the counter transaction.

[0107] S250. The counter transaction data processing device feeds back the relevant information of the back-end actual transaction to the first terminal.

[0108] Among them, when sequentially executing the back-end actual transactions corresponding to the combined transaction, if an error occurs in the executed back-end actual transaction, the back-end actual transaction with the error is rolled back so that the back-end actual transaction with the error returns to the state before execution, and the unexecuted back-end actual transactions are aborted. The transaction information of the executed back-end actual transactions is fed back to the first terminal, and this counter transaction ends.

[0109] Among them, the error information of the error report can also be fed back to the first terminal. The error information may include the background real transaction of the error report, error code information, unexecuted background real transactions, etc. The error code information can be used to troubleshoot the cause of the error.

[0110] Further, if the background real transactions corresponding to the combined transaction are all executed normally, the counter transaction data processing device feeds back the relevant information of the executed background real transaction to the first terminal, and this counter transaction ends.

[0111] Embodiment 2

[0112] Figure 3 It is a schematic flowchart of another counter transaction data processing method provided by an embodiment of the present invention. As Figure 3 shown, the counter transaction data processing method specifically includes:

[0113] S310. The teller at the branch submits a counter transaction request based on the first terminal and invokes the background real transaction.

[0114] Among them, the teller at the branch can input the transaction elements of the counter transaction to be handled by the customer into the first terminal on behalf of the customer, generate a counter transaction request, and submit the counter transaction request to the counter transaction data processing device through the first terminal. The transaction elements of the counter transaction may include the counter transaction type, user identity information, account information, transaction information, etc. The transaction information may include the transaction amount, etc.

[0115] Further, the identifier of the background real transaction can be displayed on the display interface of the first terminal, so that the teller at the branch can select the corresponding background real transaction on the display interface of the first terminal and input the relevant transaction elements, thereby generating a counter transaction request with the counter transaction type being the background real transaction on the first terminal, and submitting the counter transaction request to the counter transaction data processing device through the first terminal to invoke the background real transaction.

[0116] S320. The counter transaction data processing device generates an authorization request according to the background real transaction and sends the authorization request to the second terminal.

[0117] Exemplarily, the counter transaction data processing device checks the authorization control according to the background real transaction. If the background real transaction does not require authorization, the background real transaction is directly executed. Among them, when executing the background real transaction, if an error occurs, the background real transaction with the error is rolled back, so that the background real transaction returns to the state before execution, and the error information of the error is fed back to the first terminal, and this counter transaction ends. The error information may include error code information, etc. The error code information can be used to troubleshoot the cause of the error; if the background real transaction is executed normally, the counter transaction data processing device feeds back the relevant information of the background real transaction to the first terminal, and this counter transaction ends.

[0118] If the back-office actual transaction requires authorization but has not been authorized yet, an authorization request is generated according to the authorization level of the back-office actual transaction, and the authorization request is sent to the second terminal so that the authorizing personnel can perform authorization based on the authorization request.

[0119] S330. The second terminal receives the authorization request, and the authorizing personnel submit the authorization information corresponding to the authorization request.

[0120] Among them, the second terminal receives the authorization request sent by the counter transaction data processing device. The authorizing personnel perform authorization on the authorization request on the second terminal, and feedback the authorization information to the counter transaction data processing device through the second terminal.

[0121] S340. The counter transaction data processing device applies the authorization information to the back-office actual transaction and executes the back-office actual transaction.

[0122] Among them, after the counter transaction data processing device receives the authorization information, it checks whether the back-office actual transaction is authorized successfully. If the authorization fails, the counter transaction data processing device returns an authorization failure message to the first terminal, and this counter transaction ends. If the authorization is successful, the counter transaction data processing device applies the authorization information to the back-office actual transaction and executes the back-office actual transaction to complete the handling of the counter transaction.

[0123] S350. The counter transaction data processing device feeds back the relevant information of the back-office actual transaction to the first terminal.

[0124] Exemplarily, when executing the back-office actual transaction, if an error occurs, the back-office actual transaction with the error is rolled back so that the back-office actual transaction returns to the state before execution, and this counter transaction ends. Among them, the error information of the error can also be fed back to the first terminal, and the error information can include error code information, etc., and the error code information can be used to troubleshoot the cause of the error.

[0125] Furthermore, if the back-office actual transaction is executed normally, the counter transaction data processing device feeds back the relevant information of the back-office actual transaction to the first terminal, and this counter transaction ends.

[0126] In the counter transaction data processing method provided by the embodiment of the present invention, by adding a new combined transaction type in the counter transaction data processing device and establishing a mapping relationship between the combined transaction and the back-office actual transaction it calls, when the counter transaction data processing device performs authorization check, it only needs to check the authorization of the combined transaction, and apply the authorization information of the combined transaction to the back-office actual transaction corresponding to the combined transaction, so that only one authorization is required for the counter transaction that calls multiple back-office actual transactions, reducing the number of authorizations, improving the business handling efficiency, and reducing the labor cost.

[0127] Based on the same inventive concept, an embodiment of the present invention further provides a counter transaction data processing device. Figure 4 FIG. Figure 4 is a schematic structural diagram of a counter transaction data processing device provided by an embodiment of the present invention. As Figure 4 shown, the device includes:

[0128] A counter transaction request acquisition unit 10, configured to acquire a counter transaction request submitted by a network teller based on a first terminal, where the counter transaction request includes a counter transaction type, and the counter transaction type includes a combined transaction. Among them, there is a mapping relationship between the combined transaction and at least two background actual transactions.

[0129] A background actual transaction determination unit 11, configured to determine the background actual transactions corresponding to the combined transaction when the counter transaction type of the counter transaction request is the combined transaction.

[0130] An authorization request generation unit 12, configured to determine the authorization level of the combined transaction according to the background actual transactions corresponding to the combined transaction, and generate an authorization request according to the authorization level of the combined transaction.

[0131] An authorization request sending unit 13, configured to send the authorization request to a second terminal.

[0132] A background actual transaction execution unit 14, configured to receive authorization information corresponding to the authorization request submitted by an authorizing person based on the second terminal, and execute the background actual transactions corresponding to the combined transaction according to the authorization information.

[0133] The counter transaction data processing device provided by the embodiment of the present invention can execute the counter transaction data processing method provided by any embodiment of the present invention, and has corresponding functional modules and beneficial effects for executing the method.

[0134] Optionally, the authorization request generation unit 12 is specifically configured to determine the authorization level of each background actual transaction corresponding to the combined transaction, and determine the highest authorization level as the authorization level of the combined transaction according to the authorization level of each background actual transaction.

[0135] Optionally, the background actual transaction execution unit 14 is specifically configured to determine whether the authorization is passed according to the authorization information; if the authorization fails, return an authorization failure message to the first terminal; if the authorization passes, apply the authorization information to the background actual transactions corresponding to the combined transaction, and sequentially execute the background actual transactions corresponding to the combined transaction.

[0136] Optionally, the background actual transaction execution unit 14 is further configured to, if an error occurs during the execution of the background actual transaction, roll back the background actual transaction with the error and abort the unexecuted background actual transactions; feedback the transaction information of the executed background actual transactions to the first terminal.

[0137] Based on the same inventive concept, an embodiment of the present invention further provides an electronic device. Figure 5 FIG. is a schematic structural diagram of an electronic device provided by an embodiment of the present invention. As Figure 5 shown, the electronic device includes a processor 21, a storage device 22, an input device 23, and an output device 24; the number of processors 21 in the electronic device may be one or more. Figure 5 Here, one processor 21 is taken as an example; the processor 21, the storage device 22, the input device 23, and the output device 24 in the electronic device may be connected through a bus or other means. Figure 5 Here, connection through a bus is taken as an example.

[0138] The storage device 22, as a computer-readable storage medium, can be used to store one or more software programs, computer-executable programs, and modules, such as program instructions / modules corresponding to the counter transaction data processing method in the embodiment of the present invention (for example, the counter transaction request acquisition unit 10, the background actual transaction determination unit 11, the authorization request generation unit 12, the authorization request sending unit 13, and the background actual transaction execution unit 14 in the counter transaction data processing device). The processor 21 executes various functional applications and data processing of the electronic device by running the software programs, instructions, and modules stored in the storage device 22, that is, implements the above-mentioned counter transaction data processing method.

[0139] The storage device 22 may mainly include a storage program area and a storage data area. Among them, the storage program area can store an operating system and application programs required for at least one function; the storage data area can store data created according to the use of the terminal, etc. In addition, the storage device 22 may include a high-speed random access storage device, and may also include a non-volatile storage device, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage devices. In some instances, the storage device 22 may further include a storage device remotely set relative to the processor 21, and these remote storage devices can be connected to the electronic device through a network. Examples of the above network include but are not limited to the Internet, an enterprise internal network, a local area network, a mobile communication network, and combinations thereof.

[0140] The input device 23 can be used to receive input digital or character information, and generate key signal inputs related to the user settings and function control of the electronic device. The output device 23 may include a display device such as a display screen.

[0141] When one or more programs are executed by one or more processors 21, such that one or more processors 21 implement the counter transaction data processing method provided in any of the above embodiments, thereby having the corresponding functions and beneficial effects of the execution method, which will not be elaborated here.

[0142] Based on the same inventive concept, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored. The computer program is used to execute a counter transaction data processing method when executed by a computer processor. The method includes:

[0143] Obtain a counter transaction request submitted by a branch teller based on a first terminal. The counter transaction request includes a counter transaction type, and the counter transaction type includes a combined transaction. Among them, there is a mapping relationship between the combined transaction and at least two background actual transactions.

[0144] When the counter transaction type of the counter transaction request is a combined transaction, determine the background actual transactions corresponding to the combined transaction.

[0145] Determine the authorization level of the combined transaction according to the background actual transactions corresponding to the combined transaction, and generate an authorization request according to the authorization level of the combined transaction.

[0146] Send the authorization request to a second terminal.

[0147] Receive the authorization information corresponding to the authorization request submitted by the authorizing personnel based on the second terminal, and execute the background actual transactions corresponding to the combined transaction according to the authorization information.

[0148] Of course, for the computer-readable storage medium storing the computer program provided by the embodiment of the present invention, the computer program is not limited to the method operations as described above, and can also execute the relevant operations in the counter transaction data processing method provided by any embodiment of the present invention, so as to have the corresponding functions and beneficial effects of the execution method, which will not be elaborated here.

[0149] From the above description of the embodiments, those skilled in the art can clearly understand that the present invention can be implemented by means of software and necessary general-purpose hardware. Of course, it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, in essence, or the part that makes a contribution to the prior art, can be embodied in the form of a software product. The computer software product can be stored in a computer-readable storage medium, such as a floppy disk, a read-only memory (ROM), a random access memory (RAM), a flash memory (FLASH), a hard disk, or an optical disc of a computer, etc., including several instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in various embodiments of the present invention.

[0150] It should be noted that in the above embodiments of the counter transaction data processing device, the included units and modules are only divided according to functional logic, but are not limited to the above division as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of mutual distinction and do not limit the protection scope of the present invention.

[0151] Note that the above is only a preferred embodiment of the present invention and the applied technical principles. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and various obvious changes, re-adjustments, mutual combinations and substitutions can be made by those skilled in the art without departing from the protection scope of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments only. Without departing from the concept of the present invention, more other equivalent embodiments can be included, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A counter transaction data processing method, characterized in that, Including: Obtain a counter transaction request submitted by a teller at a network point based on a first terminal, where the counter transaction request includes a counter transaction type, and the counter transaction type includes a combined transaction. Among them, there is a mapping relationship between the combined transaction and at least two back-end actual transactions; the combined transaction is a back-end combined transaction newly added by the teller at the network point submitting and invoking multiple back-end actual transactions at one time through the first terminal; When the counter transaction type of the counter transaction request is the combined transaction, determine the back-end actual transactions corresponding to the combined transaction; Determine the authorization level of the combined transaction according to the back-end actual transactions corresponding to the combined transaction, and generate an authorization request according to the authorization level of the combined transaction; Send the authorization request to a second terminal; Receive authorization information corresponding to the authorization request submitted by an authorized person based on the second terminal, and execute the back-end actual transactions corresponding to the combined transaction according to the authorization information; Among them, determining the authorization level of the combined transaction according to the back-end actual transactions corresponding to the combined transaction includes: Determine the authorization level of each back-end actual transaction corresponding to the combined transaction; Determine the highest authorization level as the authorization level of the combined transaction according to the authorization levels of each back-end actual transaction.

2. The counter transaction data processing method according to claim 1, characterized in that, Executing the back-end actual transactions corresponding to the combined transaction according to the authorization information includes: Judge whether the authorization is passed according to the authorization information; If the authorization fails, return an authorization failure message to the first terminal; If the authorization is passed, apply the authorization information to the back-end actual transactions corresponding to the combined transaction, and sequentially execute the back-end actual transactions corresponding to the combined transaction.

3. The counter transaction data processing method according to claim 2, characterized in that, When sequentially executing the back-end actual transactions corresponding to the combined transaction, it includes: If an error occurs when executing the back-end actual transaction, roll back the back-end actual transaction with the error, and abort the unexecuted back-end actual transactions; Feed back the transaction information of the executed back-end actual transactions to the first terminal.

4. The counter transaction data processing method according to claim 1, characterized in that, The counter transaction type also includes back-end actual transactions; After obtaining the counter transaction request submitted by the teller at the network point based on the first terminal, it further includes: When the counter transaction type of the counter transaction request is the back-end actual transaction, judge whether the back-end actual transaction needs authorization; When the back-end actual transaction does not require authorization, execute the back-end actual transaction; When the back-end actual transaction requires authorization, determine the authorization level of the back-end actual transaction, and generate an authorization request according to the authorization level of the back-end actual transaction; Send the authorization request to the second terminal; Receive authorization information corresponding to the authorization request submitted by the authorized person based on the second terminal, and execute the back-end actual transaction according to the authorization information.

5. The counter transaction data processing method according to claim 4, characterized in that, Executing the back-end actual transaction according to the authorization information includes: Judge whether the authorization is passed according to the authorization information; If the authorization fails, return an authorization failure message to the first terminal; If the authorization is passed, apply the authorization information to the back-end actual transaction, and execute the back-end actual transaction.

6. The counter transaction data processing method according to claim 4, characterized in that, When executing the back-end actual transaction, it includes: If an error occurs during the execution of the background real transaction, roll back the background real transaction where the error occurred; Feedback the error information to the first terminal; If the background real transaction is executed normally, feedback the transaction information of the background real transaction to the first terminal.

7. A counter transaction data processing device, characterized in that, The device includes: A counter transaction request acquisition unit, configured to acquire a counter transaction request submitted by a branch teller based on a first terminal, where the counter transaction request includes a counter transaction type, and the counter transaction type includes a combined transaction. There is a mapping relationship between the combined transaction and at least two background real transactions; the combined transaction is a background combined transaction newly added by the branch teller submitting and invoking multiple background real transactions at one time through the first terminal; A background real transaction determination unit, configured to determine the background real transactions corresponding to the combined transaction when the counter transaction type of the counter transaction request is the combined transaction; An authorization request generation unit, configured to determine the authorization level of the combined transaction according to the background real transactions corresponding to the combined transaction, and generate an authorization request according to the authorization level of the combined transaction; An authorization request sending unit, configured to send the authorization request to a second terminal; A background real transaction execution unit, configured to receive authorization information corresponding to the authorization request submitted by an authorizing person based on the second terminal, and execute the background real transactions corresponding to the combined transaction according to the authorization information; Wherein, the authorization request generation unit is specifically configured to: Determine the authorization level of each background real transaction corresponding to the combined transaction; Determine the highest authorization level as the authorization level of the combined transaction according to the authorization levels of each background real transaction.

8. An electronic device, characterized in that, The electronic device includes: One or more processors; A storage device, configured to store one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the counter transaction data processing method according to any one of claims 1-6.

9. A computer-readable storage medium, on which a computer program is stored, characterized in that, When the program is executed by a processor, it implements the counter transaction data processing method according to any one of claims 1-6.

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