Transaction processing methods, devices, equipment, media and products

Abstract

The present disclosure provides a transaction processing method, which can be applied to the fields of finance and computers. The transaction processing method includes: receiving a transaction message generated by a personal financial platform in response to a transaction service request; processing the transaction message, and generating a first verification source file based on the processing record of the transaction message; receiving a second verification source file generated by the personal financial platform according to a transaction log in a database, wherein the transaction log is generated by the personal financial platform according to the transaction service request, and the second verification source file includes at least one transaction event identifier; according to the transaction event identifier, comparing the second verification source file with the first verification source file to obtain the target transaction event identifier missing in the first verification source file; sending transaction information associated with the target transaction event identifier to a message notification platform, so that the message notification platform generates a transaction reminder message based on the transaction information. The present disclosure also provides a transaction processing device, equipment, medium and product.

Description

Technical Field

[0001] The present disclosure relates to the fields of finance and computers, specifically to the field of transaction information, and more specifically to a transaction processing method, device, equipment, medium and product. Background Art

[0002] In banking, when a user initiates a personal balance transaction, such as ATM deposits and withdrawals, payments initiated through third-party software, POS card swiping, intra-bank and inter-bank remittances, etc., the bank will send a reminder SMS to the user to remind the user when and through what channel the user made a consumption or deposit, and the balance changed, and inform the user of the bank card balance. Personal balance transactions involve a wide range of transactions and users, and hundreds of millions of transactions can occur every day. The account reminder SMS can enable customers to understand the balance changes of their bank cards in real time, and can also serve as a means of identifying bank card security and a real-time reminder of funds entered into the account. When customers receive SMS reminders of abnormal consumption, they can respond quickly and promptly; when customers initiate or receive transfers, they can understand the progress at the first time without having to go to ATMs or bank branches to inquire.

[0003] Therefore, as a transaction carrier and an important line of defense for the safety of bank customers' funds, personal account balance reminder SMS plays a vital role in banking business. However, such transaction reminder SMS may fail to send or not be sent, resulting in users not receiving personal account balance reminder SMS, resulting in low transaction security. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a transaction processing method, apparatus, device, medium and product.

[0005] A first aspect of the present disclosure provides a transaction processing method, comprising: receiving a transaction message generated by a personal financial platform in response to a transaction service request; processing the transaction message, and generating a first verification source file based on a processing record of the transaction message; receiving a second verification source file generated by the personal financial platform according to a transaction log in a database, wherein the transaction log is generated by the personal financial platform according to the transaction service request, and the second verification source file includes at least one transaction event identifier; comparing the second verification source file with the first verification source file according to the transaction event identifier to obtain a target transaction event identifier missing from the first verification source file; and sending transaction information associated with the target transaction event identifier to a message notification platform so that the message notification platform generates a transaction reminder message based on the transaction information.

[0006] According to an embodiment of the present disclosure, the transaction processing method also includes: screening the second verification source file to obtain a screened second verification source file, wherein the screened second verification source file includes the transaction event identifier; comparing the screened second verification source file with the first verification source file based on the transaction event identifier to obtain a target transaction event identifier that is missing in the first verification source file.

[0007] According to an embodiment of the present disclosure, the message notification platform includes a message template; the message notification platform generates a transaction reminder message based on the transaction information, including: extracting content in the transaction information; generating the transaction reminder message according to the content in the transaction information and the message template.

[0008] According to an embodiment of the present disclosure, processing the transaction message includes: performing merging calculations on the transaction message through a data processing model.

[0009] According to an embodiment of the present disclosure, wherein the processing of the transaction message and generating a first verification source file based on the processing record of the transaction message includes: processing the transaction message and generating a first verification source file based on the processing record of the transaction message at a first time interval; wherein the receiving of a second verification source file generated by the personal financial platform according to the transaction log in the database includes: receiving a second verification source file generated by the personal financial platform according to the transaction log in the database at a second time interval, and the second time interval is the same as the first time interval.

[0010] According to an embodiment of the present disclosure, the transaction information includes at least one of the following: a transaction card number, a transaction account number, a transaction currency, a transaction time, a transaction type, and the transaction event identifier.

[0011] The second aspect of the present disclosure provides a transaction processing device, including: a first receiving module, used to receive a transaction message generated by a personal financial platform in response to a transaction service request; a processing module, used to process the transaction message and generate a first verification source file based on a processing record of the transaction message; a second receiving module, used to receive a second verification source file generated by the personal financial platform according to a transaction log in a database, wherein the transaction log is generated by the personal financial platform according to the transaction service request, and the second verification source file includes at least one transaction event identifier; a first comparison module, used to compare the second verification source file with the first verification source file according to the transaction event identifier, and obtain a target transaction event identifier missing in the first verification source file; a sending module, used to send transaction information associated with the target transaction event identifier to a message notification platform, so that the message notification platform generates a transaction reminder message based on the transaction information.

[0012] The third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned transaction processing method.

[0013] The fourth aspect of the present disclosure also provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the above-mentioned transaction processing method.

[0014] The fifth aspect of the present disclosure also provides a computer program product, including a computer program, which implements the above-mentioned transaction processing method when executed by a processor. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] The above contents and other purposes, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0016] Figure 1 A diagram schematically illustrates an application scenario of a transaction processing method, apparatus, device, medium, and program product according to an embodiment of the present disclosure;

[0017] Figure 2 A flowchart schematically shows a transaction processing method according to an embodiment of the present disclosure;

[0018] Figure 3 Schematically showing a flow chart of operation S204 of comparing the second verification source file with the first verification source file according to the transaction event identifier to obtain the target transaction event identifier missing in the first verification source file;

[0019] Figure 4 A flowchart schematically shows a transaction processing method according to another embodiment of the present disclosure;

[0020] Figure 5 The structure block diagram of the transaction processing device according to the embodiment of the present disclosure is schematically shown;

[0021] Figure 6 A structural block diagram of a transaction processing device according to another embodiment of the present disclosure is schematically shown;

[0022] Figure 7 A block diagram of an electronic device suitable for implementing a transaction processing method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0023] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0024] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0025] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0026] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0027] It should be noted that the transaction processing methods, devices, equipment, media and products disclosed herein can be used in the financial and computer fields, and can also be used in any field other than the financial and computer fields. The present disclosure does not limit the application fields of the transaction processing methods, devices, equipment, media and products.

[0028] In the technical solutions disclosed in this disclosure, the collection, storage, use, processing, transmission, provision, disclosure and application of user personal information involved are in compliance with the relevant laws and regulations, necessary confidentiality measures are taken, and they do not violate public order and good morals. In the technical solutions disclosed in this disclosure, the user's authorization or consent is obtained before obtaining or collecting user personal information.

[0029] Some block diagrams and / or flow charts are shown in the accompanying drawings. It should be understood that some blocks or combinations thereof in the block diagrams and / or flow charts may be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable control device, so that these instructions, when executed by the processor, may create a device for implementing the functions / operations described in these block diagrams and / or flow charts.

[0030] Therefore, the technology of the present disclosure can be implemented in the form of hardware and / or software (including firmware, microcode, etc.). In addition, the technology of the present disclosure can take the form of a computer program product on a computer-readable medium storing instructions, which can be used by an instruction execution system or in combination with an instruction execution system. In the context of the present disclosure, a computer-readable medium can be any medium that can contain, store, transmit, propagate, or transmit instructions. For example, a computer-readable medium can include, but is not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, device, or propagation medium. Specific examples of computer-readable media include: magnetic storage devices, such as magnetic tape or hard disk (HDD); optical storage devices, such as compact disk (CD-ROM); memory, such as random access memory (RAM) or flash memory; and / or wired / wireless communication links.

[0031] An embodiment of the present disclosure provides a transaction processing method, including: receiving a transaction message generated by a personal financial platform in response to a transaction service request, processing the transaction message, and generating a first verification source file based on a processing record of the transaction message; receiving a second verification source file generated by the personal financial platform according to a transaction log in a database, wherein the transaction log is generated by the personal financial platform according to the transaction service request, and the second verification source file includes at least one transaction event identifier; comparing the second verification source file with the first verification source file according to the transaction event identifier to obtain a target transaction event identifier missing in the first verification source file; and sending transaction information associated with the target transaction event identifier to a message notification platform so that the message notification platform generates a transaction reminder message based on the transaction information.

[0032] Figure 1 The following schematically illustrates an application scenario diagram of a transaction processing method, apparatus, device, medium, and program product according to an embodiment of the present disclosure. It should be noted that: Figure 1 What is shown is merely an example of a system architecture to which the embodiments of the present disclosure can be applied, in order to help those skilled in the art understand the technical content of the present disclosure, but it does not mean that the embodiments of the present disclosure cannot be used in other devices, systems, environments or scenarios.

[0033] like Figure 1As shown, the application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104 and multiple servers. The network 104 is used to provide a medium for communication links between the terminal devices 101, 102, 103 and the multiple servers. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables.

[0034] Users can use terminal devices 101, 102, 103 to interact with multiple servers through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only for example).

[0035] The terminal devices 101 , 102 , and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0036] The multiple servers may be servers that provide various services, and in the embodiments of the present disclosure, may include a first server 105, a second server 106, and a third server 107. When the terminal devices 101, 102, and 103 initiate a transaction service request, the request is transmitted to the first server 105 through the network 104; the first server may include a personal financial platform, which may process the received transaction service request into a transaction message and send the transaction message to the second server 106; the second server 106 may include a stream data processing platform, which may perform a combined calculation on the transaction message and send the combined calculation result to the third server 107; the third server may include a message notification platform, which may generate a transaction reminder message based on the processing result and feed it back to the terminal devices 101, 102, and 103.

[0037] It should be noted that the transaction processing method provided in the embodiment of the present disclosure can generally be executed by the second server 106. Accordingly, the transaction processing device provided in the embodiment of the present disclosure can generally be set in the second server 106. The transaction processing method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the second server 106 and can communicate with the terminal devices 101, 102, 103 and / or the second server 106. Accordingly, the transaction processing device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the second server 106 and can communicate with the terminal devices 101, 102, 103 and / or the second server 106.

[0038] It should be understood that Figure 1The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to the implementation requirements.

[0039] The following will be based on Figure 1 The scene described by Figure 2~Figure 7 The transaction processing method of the disclosed embodiment is described in detail. It should be noted that the above application scenarios are only shown to facilitate understanding of the spirit and principle of the present disclosure, and the implementation of the present disclosure is not limited in this respect. On the contrary, the implementation of the present disclosure can be applied to any applicable scenario.

[0040] Figure 2 The flowchart of the transaction processing method according to the embodiment of the present disclosure is schematically shown.

[0041] like Figure 2 As shown, the transaction processing method of this embodiment includes operations S201 to S205. It should be noted that, unless it is clearly stated that there is an execution sequence between different operations shown in the flowchart in the embodiment of the present disclosure, or different operations have an execution sequence in technical implementation, otherwise, the execution sequence between multiple operations may not be prioritized, and multiple operations can be executed simultaneously.

[0042] In operation S201, a transaction message generated by a personal financial platform in response to a transaction service request is received.

[0043] According to an embodiment of the present disclosure, a transaction service request may be a personal account transaction initiated by a user. For example, it may be an ATM deposit or withdrawal, a payment initiated through a third-party software, a POS card, an intra-bank or inter-bank remittance, etc. These transaction service requests will be transferred to the personal financial platform. According to an embodiment of the present disclosure, the personal financial platform may respond to the transaction service request and generate a transaction message according to the transaction service request.

[0044] In operation S202, the transaction message is processed, and a first verification source file is generated based on a processing record of the transaction message.

[0045] According to an embodiment of the present disclosure, a transaction message generated by a personal financial platform in response to a transaction service request can be received through a stream data processing platform, and the transaction message can be processed. According to an embodiment of the present disclosure, for example, a data processing model can be deployed on the stream data platform, and the transaction message can be merged and calculated using the data processing model.

[0046] Specifically, for example, a transaction message may include transaction event identifier, transaction card number, transaction account number, transaction currency, transaction time, transaction amount, transaction points, balance and other information, where the transaction event identifier can be reflected in the form of an event number. The data processing model can combine and calculate this information to obtain transaction information associated with the transaction business request.

[0047] According to an embodiment of the present disclosure, the data processing model on the stream data processing platform can record each processing record in a processing log while performing a combined calculation on the transaction message. The data processing model generates a first verification source file at a first time interval based on the processing log.

[0048] For example, the first verification source file may be generated every hour. By generating the first verification source file at a certain time interval, the transaction message processing status of the stream data processing platform can be monitored, the probability of users not receiving account movement reminder information is reduced, and transaction security is improved.

[0049] According to an embodiment of the present disclosure, the first verification source file generated by the data processing model on the stream data processing platform based on the processing log may include a transaction event identifier and a transaction time. However, it should be noted that when the data processing model has processed the transaction message, the transaction event identifier in the first verification source file is associated with the transaction message. When the stream data processing platform cannot receive the transaction message due to network jitter or interface abnormality, or the data processing model does not process the transaction message after receiving the transaction message, there is no processing record corresponding to the transaction message in the processing log, which in turn results in no transaction event identifier associated with the transaction message in the first verification source file.

[0050] In operation S203, a second verification source file generated by the personal financial platform according to a transaction log in the database is received, wherein the transaction log is generated by the personal financial platform according to a transaction service request, and the second verification source file includes at least one transaction event identifier.

[0051] According to the embodiments of the present disclosure, the personal financial platform can process the transaction service request into a transaction message, and at the same time, each transaction service request transferred to the personal financial platform will be recorded in the transaction log in the database. The personal financial platform can extract the application name, transaction event identifier, transaction card number, transaction account number, transaction amount, transaction currency, balance, transaction time, transaction type and other information in the transaction log to generate a second verification source file.

[0052] According to an embodiment of the present disclosure, the personal financial platform can generate a second verification source file at a second time interval, for example, it can also generate a second verification source file at a frequency of one hour, and send the second verification source file to the stream data processing platform. By generating the second verification source file at a second time interval that is the same as the first time interval, the content range of the first verification source file and the second verification source file is narrowed when compared, and the second verification source file can be compared with the first verification source file more accurately and conveniently to find the target event identifier missing in the first source file.

[0053] In operation S204, the second verification source file is compared with the first verification source file according to the transaction event identifier to obtain the target transaction event identifier missing in the first verification source file.

[0054] Figure 3 The flowchart of operation S204 is schematically shown, which compares the second verification source file with the first verification source file according to the transaction event identifier to obtain the target transaction event identifier missing in the first verification source file.

[0055] In operation S301, the second verification source file is compared with the first verification source file according to the transaction event identifier.

[0056] like Figure 3 As shown, the transaction event identifier can be used as a standard for information comparison. Each transaction business request has an associated transaction event identifier. When the data processing model on the stream data processing platform processes the transaction message associated with the transaction business request, the generated first verification source file includes the transaction event identifier associated with the transaction business request. Therefore, the transaction event identifier can be used as a standard for information comparison.

[0057] In operation S302, it is determined whether the transaction event identifier exists in the first verification source file, and the target transaction event identifier missing in the first verification source file is obtained.

[0058] According to an embodiment of the present disclosure, when the transaction event identifier exists in the second verification source file and also exists in the first verification source file, it indicates that the stream data processing platform processes normally and there is no need to reissue the transaction reminder message. Operation S305 can be directly executed to end the process. When the transaction event identifier only exists in the second verification source file but not in the first verification source file, it indicates that the stream data processing platform may not have received the transaction message sent by the personal financial platform, that is, there is a problem with the link from the personal financial platform to the stream data processing platform, or the stream data processing platform has not processed the received transaction message and other abnormal situations, thereby obtaining the target event identifier missing in the first verification source file.

[0059] In operation S303, transaction information associated with the target transaction event identifier is extracted from the second verification source file according to the target transaction event identifier to generate a transaction information file.

[0060] According to an embodiment of the present disclosure, the second verification source file and the first verification source file can be compared according to the event number in the transaction event identifier, and the target transaction event identifier missing in the first verification source file can be obtained. The transaction information associated with the target transaction event identifier in the second verification source file is extracted according to the target transaction event identifier to generate a transaction information file. The content of the transaction information file may include the transaction event identifier, transaction card number, transaction account number, transaction amount, transaction currency, balance, and transaction time.

[0061] In operation S304, operation S205 is performed.

[0062] According to an embodiment of the present disclosure, in operation S205, transaction information associated with the target transaction event identifier is sent to the message notification platform so that the message notification platform generates a transaction reminder message based on the transaction information.

[0063] According to an embodiment of the present disclosure, transaction information associated with a target transaction event identifier may be sent to a message notification platform, and the notification message platform may generate a transaction reminder message based on the transaction information associated with the target event identifier.

[0064] Specifically, the notification message platform may include a message template. The notification message platform may generate a transaction reminder message by extracting the content in the transaction message associated with the target event identifier and combining the message template with the content in the transaction message, and send the transaction reminder message to the terminal device.

[0065] According to the transaction processing method provided by the embodiment of the present disclosure, information verification of the link from personal finance to the stream data processing platform is realized, which increases the probability that users successfully receive personal account change reminder text messages, and at the same time reduces the probability that users receive personal account change reminder text messages by mistake, which has great promotion value.

[0066] Figure 4 A flowchart of a transaction processing method according to another embodiment of the present disclosure is schematically shown.

[0067] like Figure 4 As shown, in operation S401, the second verification source file may also be screened to obtain a screened second verification source file, wherein the screened second verification source file includes a transaction event identifier.

[0068] According to the embodiments of the present disclosure, each transaction service request transferred to the personal financial platform will be recorded in the transaction log in the database. The personal financial platform can extract information from the transaction log to generate a second verification source file. The second verification source file has a large amount of data, and only some of the service requests may require SMS to be sent to the user. The second verification source file can be screened according to the transaction type in the second verification source file.

[0069] For example, "Quick Payment" and "Debit Card Payment" in the transaction type represent that a reminder SMS needs to be sent to the customer, and the content that needs to be sent to the user in the second verification source file can be extracted based on "Quick Payment" and "Debit Card Payment". The filtered second verification source file may include application name, transaction event identifier, transaction card number, transaction account number, transaction amount, transaction currency, balance, and transaction time.

[0070] In operation S402, the second verification source file and the first verification source file are compared and screened according to the transaction event identifier to obtain the target transaction event identifier omitted in the first verification source file.

[0071] According to an embodiment of the present disclosure, the target transaction event identifier omitted in the first verification source file can be obtained by comparing the filtered second verification source file with the first verification source file according to the event number in the transaction event identifier. A transaction information file is generated according to the target transaction event identifier, and the transaction information file includes transaction information associated with the target transaction event identifier. The transaction information file may include a transaction event identifier, a transaction card number, a transaction account number, a transaction amount, a transaction currency, a balance, and a transaction time, and the event number field in the transaction information file includes a target transaction event identifier associated with the target transaction service request.

[0072] According to the embodiments of the present disclosure, by screening the second verification source file, the transaction services that need to send SMS messages are screened, which can not only improve the work efficiency of transaction processing, but also reduce the probability of users receiving incorrect account change reminder SMS messages.

[0073] Based on the above transaction processing method, the present disclosure also provides a transaction processing device. Figure 5 The device is described in detail.

[0074] Figure 5 The structural block diagram of the transaction processing device according to the embodiment of the present disclosure is schematically shown.

[0075] like Figure 5 As shown, the transaction processing device 500 of this embodiment includes a first receiving module 501 , a processing module 502 , a second receiving module 503 , a first comparing module 504 and a sending module 505 .

[0076] The first receiving module 501 is used to receive a transaction message generated by the personal financial platform in response to a transaction service request. In one embodiment, the first receiving module 501 can be used to perform the operation S201 described above, which will not be described in detail here.

[0077] The processing module 502 is used to process the transaction message and generate a first verification source file based on the processing record of the transaction message. In one embodiment, the processing module 502 can be used to perform the operation S202 described above, which will not be described in detail here.

[0078] According to an embodiment of the present disclosure, the processing module 502 may further include a generating unit for processing the transaction message and generating a first verification source file based on a processing record of the transaction message at a first time interval. By generating the first verification source file at a certain time interval, the processing transaction message of the stream data processing platform can be monitored.

[0079] The second receiving module 503 is used to receive a second verification source file generated by the personal financial platform according to the transaction log in the database, wherein the transaction log is generated by the personal financial platform according to the transaction service request, and the second verification source file includes at least one transaction event identifier. In one embodiment, the second receiving module 503 can be used to perform the operation S203 described above, which will not be repeated here.

[0080] According to an embodiment of the present disclosure, the second receiving module 503 may further include a receiving unit for receiving a second verification source file generated by the personal financial platform according to the transaction log in the database at a second time interval, and the second time interval is the same as the first time interval. By generating the second verification source file at a second time interval that is the same as the first time interval, the content range of the first verification source file and the second verification source file is narrowed when compared, and the second verification source file and the first verification source file can be compared more accurately and conveniently to find the target event identifier missing in the first source file.

[0081] The first comparison module 504 is used to compare the second verification source file with the first verification source file according to the transaction event identifier to obtain the target transaction event identifier missing in the first verification source file. In one embodiment, the first comparison module 504 can be used to perform the operation S204 described above, which will not be repeated here.

[0082] The sending module 505 is used to send the transaction information associated with the target transaction event identifier to the message notification platform so that the message notification platform generates a transaction reminder message based on the transaction information. In one embodiment, the sending module 505 can be used to perform the operation S205 described above, which will not be repeated here.

[0083] According to the transaction processing method provided by the embodiment of the present disclosure, information verification of the link from personal finance to the stream data processing platform is realized, which increases the probability that users successfully receive personal account change reminder text messages, and at the same time reduces the probability that users receive personal account change reminder text messages by mistake, which has great promotion value.

[0084] According to an embodiment of the present disclosure, any multiple modules among the first receiving module 501, the processing module 502, the second receiving module 503, the first comparison module 504 and the sending module 505 can be combined into one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the first receiving module 501, the processing module 502, the second receiving module 503, the first comparison module 504 and the sending module 505 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in a proper combination of any of them. Alternatively, at least one of the first receiving module 501, the processing module 502, the second receiving module 503, the first comparing module 504 and the sending module 505 may be at least partially implemented as a computer program module, which may perform corresponding functions when executed.

[0085] Figure 6 The structural block diagram of a transaction processing device according to another embodiment of the present disclosure is schematically shown.

[0086] like Figure 6 As shown, the transaction processing device 500 of this embodiment may also include a screening module 601 and a second comparison module 602 .

[0087] The screening module 601 is used to screen the second verification source file to obtain a screened second verification source file, wherein the screened second verification source file includes a transaction event identifier. In one embodiment, the screening module 601 can be used to perform the operation S401 described above, which will not be described in detail here.

[0088] The second comparison module 602 is used to compare the filtered second verification source file with the first verification source file according to the transaction event identifier to obtain the target transaction event identifier missing in the first verification source file. In one embodiment, the second comparison module 602 can be used to perform the operation S402 described above, which will not be repeated here.

[0089] According to the embodiments of the present disclosure, by screening the second verification source file, the transaction services that need to send SMS messages are screened, which can not only improve the work efficiency of transaction processing, but also reduce the probability of users receiving incorrect account change reminder SMS messages.

[0090] Figure 7 A block diagram of an electronic device suitable for implementing a transaction processing method according to an embodiment of the present disclosure is schematically shown.

[0091] like Figure 7 As shown, the electronic device 700 according to an embodiment of the present disclosure includes a processor 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage part 708 to a random access memory (RAM) 703. The processor 701 may include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (for example, an application-specific integrated circuit (ASIC)), etc. The processor 701 may also include an onboard memory for caching purposes. The processor 701 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0092] In RAM 703, various programs and data required for the operation of electronic device 700 are stored. Processor 701, ROM 702 and RAM 703 are connected to each other via bus 704. Processor 701 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 702 and / or RAM 703. It should be noted that the program can also be stored in one or more memories other than ROM 702 and RAM 703. Processor 701 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0093] According to an embodiment of the present disclosure, the electronic device 700 may further include an input / output (I / O) interface 705, which is also connected to the bus 704. The electronic device 700 may further include one or more of the following components connected to the I / O interface 705: an input portion 706 including a keyboard, a mouse, etc.; an output portion 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 708 including a hard disk, etc.; and a communication portion 709 including a network interface card such as a LAN card, a modem, etc. The communication portion 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 710 as needed, so that a computer program read therefrom is installed into the storage portion 708 as needed.

[0094] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0095] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, it may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include the ROM 702 and / or RAM 703 described above and / or one or more memories other than ROM 702 and RAM 703.

[0096] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the item recommendation method provided by the embodiment of the present disclosure.

[0097] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 701. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0098] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 709, and / or installed from the removable medium 711. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0099] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 709, and / or installed from the removable medium 711. When the computer program is executed by the processor 701, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0100] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0101] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0102] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0103] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A transaction processing method, comprising: Receiving a transaction message generated by the personal financial platform in response to a transaction request; Processing the transaction message, and generating a first verification source file based on a processing record of the transaction message; receiving a second verification source file generated by the personal financial platform according to a transaction log in a database, wherein the transaction log is generated by the personal financial platform according to the transaction service request, and the second verification source file includes at least one transaction event identifier; According to the transaction event identifier, comparing the second verification source file with the first verification source file to obtain a target transaction event identifier omitted in the first verification source file; Sending transaction information associated with the target transaction event identifier to a message notification platform so that the message notification platform generates a transaction reminder message based on the transaction information; The processing of the transaction message and generating a first verification source file based on a processing record of the transaction message includes: The transaction messages are combined and calculated through a data processing model, each processing record is recorded in a processing log, and a first verification source file is generated at a first time interval based on the processing log.

2. The transaction processing method according to claim 1, further comprising: Screening the second verification source file to obtain a screened second verification source file, wherein the screened second verification source file includes the transaction event identifier; The filtered second verification source file is compared with the first verification source file according to the transaction event identifier to obtain the target transaction event identifier omitted in the first verification source file.

3. The transaction processing method according to claim 1, wherein: The message notification platform includes a message template; The message notification platform generates a transaction reminder message based on the transaction information, including: Extracting content from the transaction information; The transaction reminder message is generated according to the content in the transaction information and the message template.

4. The transaction processing method according to claim 1, in, The processing of the transaction message and generating a first verification source file based on a processing record of the transaction message includes: Processing the transaction message, generating a first verification source file based on a processing record of the transaction message at a first time interval; The receiving of the second verification source file generated by the personal financial platform according to the transaction log in the database includes: A second verification source file generated by the personal financial platform according to the transaction log in the database at a second time interval is received, and the second time interval is the same as the first time interval.

5. The transaction processing method according to claim 1, wherein: The transaction information includes at least one of the following: Transaction card number, transaction account number, transaction currency, transaction time, transaction type and the transaction event identifier.

6. A transaction processing device, comprising: A first receiving module, used to receive a transaction message generated by the personal financial platform in response to a transaction service request; A processing module, used for processing the transaction message and generating a first verification source file based on a processing record of the transaction message; A second receiving module, configured to receive a second verification source file generated by the personal financial platform according to a transaction log in a database, wherein the transaction log is generated by the personal financial platform according to the transaction service request, and the second verification source file includes at least one transaction event identifier; A first comparison module, configured to compare the second verification source file with the first verification source file according to the transaction event identifier, to obtain a target transaction event identifier omitted in the first verification source file; A sending module, configured to send transaction information associated with the target transaction event identifier to a message notification platform, so that the message notification platform generates a transaction reminder message based on the transaction information; The processing of the transaction message and generating a first verification source file based on a processing record of the transaction message includes: The transaction messages are merged and calculated through the data processing model, each processing record is recorded in a processing log, and a first verification source file is generated at a first time interval based on the processing log.

7. An electronic device comprising: one or more processors; A storage device for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors execute the method according to any one of claims 1 to 5.

8. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the method according to any one of claims 1 to 5.

9. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

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