A verification processing method, device, computer device and medium for offline payment

Abstract

The present invention discloses a verification processing method, device, computer device and medium for offline payment. The method includes: receiving at least one order information of a user to be processed, and obtaining a list of offline payment bill information of the user to be processed according to a preset period; verifying whether the order information matches the list of offline payment bill information to generate a verification result; when an exception exists in the verification result, initializing a preset dynamic bill exception policy library; mapping policy information corresponding to the verification result from the dynamic bill exception policy library to generate a mapping result; and determining whether the order information passes the verification according to the mapping result. Since this application matches the order information with the list of offline payment bill information, if the match is consistent, the processing is passed, and if an exception occurs in the match, the dynamic bill exception policy library is used for automatic exception processing, which can greatly reduce the workload of offline transaction matching, thereby improving the order processing efficiency.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and particularly to a verification processing method, device, computer equipment and medium for offline payment. Background Art

[0002] In the auto finance lease market, leasing companies need to cooperate with a large number of dealers to provide various fund transaction services for car-buying customers, including lease payments, sales of vehicle parts and accessories, vehicle maintenance packages, etc. In reality, due to the purchasing habits of valuable items, car-buying customers are accustomed to completing transactions by means of offline bank transfers. After the transaction is completed, the system needs to verify multiple offline transaction information and order information to ensure that the transaction is correct.

[0003] In the prior art, as described in the patent application "A Transaction Method for Online Transactions with Offline Payment", the method adopted is to reach a transaction intention in the system, generate an order, make an offline bank transfer payment, the system reviews the contract bills, the buyer confirms receipt of goods, and the system unfreezes the payment flow. This method is applicable to the supervision of a platform party and is not applicable to the scenario of leasing through channel dealers. At the same time, this method is less efficient. This method is applicable to processing a single flow record. When a customer leases a vehicle and selects to purchase other value-added business products and transfers to the receiving account in a one-time offline multiple transfer or multiple aggregated transfer manner, multiple transfer flow information will occur. In this case, it is often difficult for the receiving party to completely correspond multiple flow records with the order information. Summary of the Invention

[0004] Based on this, in view of the problem of low accuracy of data recommendation, it is necessary to provide a verification processing method, device, computer equipment and medium for offline payment.

[0005] A verification processing method for offline payment, the method includes: receiving at least one order information of a user to be processed, and obtaining the offline payment bill information of the user to be processed according to a preset period to obtain a list of offline payment bill information; verifying whether the order information matches the list of offline payment bill information to generate a verification result; when an exception exists in the verification result, initializing a preset dynamic bill exception policy library; mapping the policy information corresponding to the verification result from the dynamic bill exception policy library to generate a mapping result; and determining whether the order information passes the verification according to the mapping result.

[0006] In one embodiment, the offline payment bill information of the user to be processed is obtained according to a preset period to obtain a list of offline payment bill information, including: connecting to the blockchain trading platform; starting a timer to count down the duration of the preset period; when the countdown ends, creating a payment bill request instruction according to the identity information of the user to be processed; sending the payment bill request instruction to the blockchain trading platform; receiving the offline payment bill information fed back from the blockchain trading platform; continuing to execute the step of starting the timer to count down the duration of the preset period until the information fed back from the blockchain trading platform is empty and the traversal times exceed the preset duration, obtaining multiple offline payment bill information; constructing a list of offline payment bill information of the user to be processed according to the multiple offline payment bill information.

[0007] In one embodiment, constructing a list of offline payment bill information of the user to be processed according to the multiple offline payment bill information includes: obtaining the priority of each offline payment bill information in the multiple offline payment bill information; sorting the multiple offline payment bill information according to the order of the priorities from high to low to generate an offline payment bill information sequence; creating a target array according to the number of the multiple offline payment bill information; inserting the offline payment bill information sequence into the target array in turn to generate a list of offline payment bill information of the user to be processed.

[0008] In one embodiment, verifying whether the order information matches the list of offline payment bill information to generate a verification result includes: segmenting the order information to generate a first segmentation result of the order information; extracting multiple first keywords of the order information from the first segmentation result by using a keyword extraction algorithm; segmenting each offline payment bill information in the list of offline payment bill information to generate a second segmentation result of each offline payment bill information; extracting keywords from the second segmentation result of each offline payment bill information by using a keyword extraction algorithm to generate multiple second keywords of each offline payment bill information; verifying according to the multiple first keywords and the multiple second keywords of each offline payment bill information to generate a verification result.

[0009] In one embodiment, verifying according to the multiple first keywords and the multiple second keywords of each offline payment bill information to generate a verification result includes: determining a first collection information and the total amount of the commodity order according to the multiple first keywords of the order information; determining multiple second collection information and the total payment amount according to the multiple second keywords of each offline payment bill information; when the first collection information is the same as the multiple second collection information and the total amount of the commodity order is the same as the total payment amount, generating a verification result of no abnormality; or, when the first collection information is different from the multiple second collection information and / or the total amount of the commodity order is different from the total payment amount, generating a verification result of abnormality.

[0010] In one embodiment, before receiving at least one order information of a user to be processed, it further includes: creating a ternary array; obtaining historical exception information in each historical order; constructing historical policy information corresponding to the historical exception information in each historical order; creating a historical mapping relationship between the historical exception information and the corresponding historical policy information in each historical order; storing the historical exception information, the corresponding historical policy information, and the historical mapping relationship in each historical order in the ternary array to generate a dynamic bill exception policy library.

[0011] In one embodiment, determining whether the order information passes the verification according to the mapping result includes: when there is target policy information in the mapping result, correcting the exceptions existing in the verification result based on the policy information, and determining that the order information passes the verification; or, when there is no target policy information in the mapping result, determining that the order information fails the verification, generating an exception description text and sending it to the client; receiving the current policy information sent from the client, creating a mapping relationship between the current policy information and the exceptions existing in the verification result; storing the current policy information, the exceptions existing in the verification result, and the mapping relationship in a preset dynamic bill exception policy library.

[0012] A verification processing device for offline payment, the device includes: an offline payment bill information acquisition module, configured to receive at least one order information of a user to be processed, and acquire the offline payment bill information of the user to be processed according to a preset period to obtain an offline payment bill information list; a verification result generation module, configured to verify whether the order information matches the offline payment bill information list and generate a verification result; a dynamic bill exception policy library initialization module, configured to initialize a preset dynamic bill exception policy library when there are exceptions in the verification result; a mapping result generation module, configured to map the policy information corresponding to the verification result from the dynamic bill exception policy library to generate a mapping result; an information verification module, configured to determine whether the order information passes the verification according to the mapping result.

[0013] A computer device includes a memory and a processor. When computer-readable instructions stored in the memory are executed by the processor, the processor is caused to execute the steps of the above-mentioned verification processing method for offline payment.

[0014] A medium storing computer-readable instructions, when the computer-readable instructions are executed by one or more processors, the one or more processors are caused to execute the steps of the above-mentioned verification processing method for offline payment.

[0015] The above verification processing method, device, equipment, and medium for offline payment. The offline payment verification processing device first receives at least one order information of the user to be processed, and obtains a list of offline payment bill information of the user to be processed according to a preset period. Then, it verifies whether the order information matches the list of offline payment bill information to generate a verification result. When there is an abnormality in the verification result, it initializes a preset dynamic bill exception policy library. Secondly, it maps the policy information corresponding to the verification result from the dynamic bill exception policy library to generate a mapping result. Finally, it determines whether the order information passes the verification according to the mapping result. Since this application matches the order information with the list of offline payment bill information, if the match is consistent, the processing passes; if there is an abnormality in the match, it performs automated exception processing through the dynamic bill exception policy library, which can greatly reduce the workload of offline transaction matching, thereby improving the order processing efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The accompanying drawings herein are incorporated into and constitute a part of this specification, showing embodiments consistent with the present invention, and are used together with the specification to explain the principles of the present invention.

[0017] Figure 1 It is an implementation environment diagram of the verification processing method for offline payment provided in an embodiment of this application;

[0018] Figure 2 It is a schematic internal structure diagram of a computer device in an embodiment of this application;

[0019] Figure 3 It is a schematic diagram of the method of the verification processing method for offline payment provided in an embodiment of this application;

[0020] Figure 4 It is a schematic block diagram of the process of the verification processing process for offline payment provided in an embodiment of this application;

[0021] Figure 5 It is a schematic diagram of a device of a verification processing device for offline payment provided in an embodiment of this application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0022] In order to make the objectives, technical solutions, and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not used to limit the present invention.

[0023] It can be understood that the terms "first", "second", etc. used in this application may be used herein to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish the first element from another element.

[0024] Figure 1 It is an implementation environment diagram of an offline payment verification processing method provided in an embodiment. As Figure 1 shown, in this implementation environment, it includes a server 110 and a client 120.

[0025] The server 110 can be a server, which can specifically be an independent server or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, Content Delivery Network (CDN), and big data and artificial intelligence platforms. For example, it is a server device that stores order information and a dynamic bill exception policy library. The server 110 receives at least one order information of a user to be processed sent from the client 120, and obtains a list of offline payment bill information of the user to be processed according to a preset period. The server 110 verifies whether the order information matches the list of offline payment bill information, generates a verification result, the server 110 determines to initialize a preset dynamic bill exception policy library when there is an exception in the verification result, the server 110 maps the policy information corresponding to the verification result from the dynamic bill exception policy library, generates a mapping result, the server 110 determines whether the order information passes the verification according to the mapping result, and when the verification fails, generates a verification failure description information and sends it to the client 120.

[0026] It should be noted that the client 120 can be a smart phone, a tablet computer, a notebook computer, a desktop computer, etc., but is not limited thereto. The server 110 and the client 120 can be connected through Bluetooth, USB (Universal Serial Bus), or other communication connection methods, and the present invention does not limit this here.

[0027] Figure 2 It is an internal structure schematic diagram of a computer device in an embodiment. As Figure 2 shown, this computer device includes a processor, a medium, a memory, and a network interface connected through a system bus. Among them, the medium of this computer device stores an operating system, a database, and computer-readable instructions. The database can store a control information sequence. When the computer-readable instructions are executed by the processor, the processor can implement an offline payment verification processing method. The processor of this computer device is used to provide computing and control capabilities to support the operation of the entire device. The memory of this computer device can store computer-readable instructions. When the computer-readable instructions are executed by the processor, the processor can execute an offline payment verification processing method. The network interface of this computer device is used to connect and communicate with a terminal. Those skilled in the art can understand, Figure 2The structure shown is only a block diagram of some structures related to the solution of this application, and does not constitute a limitation on the computer device to which the solution of this application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have a different component layout. Among them, the medium is a readable storage medium.

[0028] The following will be combined with the attached Figures 3 - 4 , and a detailed introduction will be given to the verification processing method for offline payment provided by the embodiments of this application. This method can be implemented depending on a computer program and can run on a verification processing device for offline payment based on the von Neumann architecture. This computer program can be integrated into an application or run as an independent tool class application.

[0029] The embodiments of this application can acquire and process relevant data based on artificial intelligence technology. Among them, Artificial Intelligence (AI) is to use a digital computer or a machine controlled by a digital computer to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use knowledge to obtain the best results of theory, method, technology, and application system.

[0030] Artificial intelligence basic technologies generally include technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, and mechatronics. Artificial intelligence software technologies mainly include several major directions such as computer vision technology, robotics, biometric technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0031] Please refer to Figure 3 , which is a schematic flowchart of a verification processing method for offline payment provided by the embodiments of this application. As Figure 3 shown, the method of the embodiments of this application may include the following steps:

[0032] S101, receive at least one order information of the user to be processed, and obtain the offline payment bill information of the user to be processed according to a preset period, so as to obtain an offline payment bill information list;

[0033] Among them, the order information is the information generated after the user places an order, and may include but is not limited to data such as payer information, payee information, and purchased package content. The preset period is the information collection interval set in the system. For example, a request to obtain the offline payment bill information of the user to be processed can be set to be made every 5 minutes, or a request to obtain the offline payment bill information of the user to be processed can be set to be made every 10 minutes.

[0034] It should be noted that the duration of the preset period can be set according to the actual scenario and is not limited here.

[0035] In an embodiment of the present application, after the user places an order on the client, order information is generated and sent to the server. The server first receives at least one order information of the user to be processed, then connects to the blockchain trading platform, and then starts a timer to count down the duration of a preset period. When the countdown ends, a payment bill request instruction is created according to the identity information of the user to be processed. Secondly, the payment bill request instruction is sent to the blockchain trading platform, and then the offline payment bill information feedback from the blockchain trading platform is received, and the step of starting the timer to count down the duration of the preset period is continued until the information feedback from the blockchain trading platform is empty and the traversal times exceed the preset duration, and multiple offline payment bill information is obtained. Finally, an offline payment bill information list of the user to be processed is constructed according to the multiple offline payment bill information.

[0036] Specifically, when constructing an offline payment bill information list of the user to be processed according to multiple offline payment bill information, first, the priority of each offline payment bill information in the multiple offline payment bill information is obtained, then the multiple offline payment bill information is sorted according to the order of the priorities from high to low to generate an offline payment bill information sequence. Secondly, a target array is created according to the number of the multiple offline payment bill information. Finally, the offline payment bill information sequence is inserted into the target array in turn to generate an offline payment bill information list of the user to be processed.

[0037] Specifically, when obtaining the priority of each offline payment bill information in the multiple offline payment bill information, first, the amount of each offline payment bill information is counted, and the priority of each offline payment bill information is determined based on the size of the amount.

[0038] For example, the higher the amount of the offline payment bill information, the higher the priority.

[0039] Specifically, when obtaining the priority of each offline payment bill information in the multiple offline payment bill information, first, the payment time of each offline payment bill information is obtained, and the priority of each offline payment bill information is determined according to the length of the time from the payment time of each offline payment bill information to the current moment.

[0040] For example, the shorter the payment time of the offline payment bill information, the higher the priority.

[0041] It should be noted that the blockchain trading platform is a platform system set for user transactions. The information and amount of the user are saved by the blockchain, which can improve the security of transactions.

[0042] S102. Verify whether the order information matches the offline payment bill information list and generate a verification result;

[0043] In a possible implementation, when performing matching, first segment the order information to generate a first segmentation result of the order information, then use a keyword extraction algorithm to extract multiple first keywords of the order information from the first segmentation result. Next, segment each offline payment bill information in the list of offline payment bill information to generate a second segmentation result of each offline payment bill information. Then, use the keyword extraction algorithm to extract keywords from the second segmentation result of each offline payment bill information to generate multiple second keywords of each offline payment bill information. Finally, verify based on the multiple first keywords and the multiple second keywords of each offline payment bill information to generate a verification result.

[0044] Specifically, the matching includes but is not limited to payer information, payee information, payment amount, etc.

[0045] S103, when there is an anomaly in the verification result, initialize a preset dynamic bill anomaly policy library;

[0046] In a possible implementation, when there is an anomaly in the verification result, initialize a preset dynamic bill anomaly policy library; or when there is no anomaly in the verification result, determine that the order information verification is passed.

[0047] Furthermore, when generating the preset dynamic bill anomaly policy library, first create a three - element array, then obtain the historical anomaly information in each historical order, then construct the historical policy information corresponding to the historical anomaly information in each historical order, then create a historical mapping relationship between the historical anomaly information and its corresponding historical policy information in each historical order, and finally save the historical anomaly information, its corresponding historical policy information, and the historical mapping relationship in each historical order in the three - element array to generate the dynamic bill anomaly policy library.

[0048] Specifically, when initializing the preset dynamic bill anomaly policy library, first load the preset dynamic bill anomaly policy library from the memory, then perform a sorting process on the parameters of the dynamic bill anomaly policy library, and judge one by one whether each policy in the dynamic bill anomaly policy library exists.

[0049] S104, map the policy information corresponding to the verification result from the dynamic bill anomaly policy library to generate a mapping result;

[0050] In a possible implementation, first obtain the anomaly information existing in the verification result, calculate the mapping relationship of the anomaly information, and map the policy information corresponding to the verification result from the dynamic bill anomaly policy library according to this mapping relationship to generate a mapping result.

[0051] Specifically, when calculating the mapping relationship of exception information, a multi-dimensional vector of the exception information is solved, a hyperplane of the multi-dimensional vector is calculated using a Linear kernel function, and the mapping relationship of the exception information is determined through the hyperplane.

[0052] S105. Determine whether the order information passes the verification according to the mapping result.

[0053] In a possible implementation, when determining whether the order information passes the verification according to the mapping result, first, when there is target policy information in the mapping result, then correct the exceptions existing in the verification result based on the policy information to determine that the order information passes the verification; or, when there is no target policy information in the mapping result, determine that the order information fails the verification, generate an exception description text and send it to the client, then receive the current policy information sent from the client, create a mapping relationship between the current policy information and the exceptions existing in the verification result, and finally save the current policy information, the exceptions existing in the verification result, and the mapping relationship to a preset dynamic bill exception policy library.

[0054] For example Figure 4 as shown Figure 4 is a process schematic block diagram of a verification processing process for offline payment provided by the present application. First, after the customer places an order online, order information is obtained, and after completing an offline transaction using an offline payment method in combination with a blockchain trading platform, an offline payment bill is obtained. Then, after the server receives the order information, it obtains the offline payment bill according to a preset period and verifies whether the order information matches the offline payment bill. If the match is normal, the automatic matching is completed and the verification passes. If the match is abnormal, it is combined with whether the dynamic bill exception policy library determines the policy for the abnormal data. If so, after automatically correcting the exception according to the policy, the verification passes. If not, an exception description text is generated and sent to the client to remind the user to process it.

[0055] For example, when the customer's car purchase order amount is 20,000 yuan and the customer transfers 10,000 yuan from each of the two accounts respectively, there will be a problem that the order amount does not match the transaction record. Through the present application, the same transaction record as the payer information can be searched in the transaction records of the past 30 days every once in a while (such as 5 minutes) until the transaction records are merged after completion. Finally, it is determined whether the order information matches the merged transaction record. If the match fails, the policy is determined from the policy library according to the exception information for processing. If there is no policy in the policy library, an exception description text is generated to remind the preset processor to perform manual processing.

[0056] For example, if the customer's car purchase order amount is 20,000 yuan, the accessory amount is 2,000 yuan, and the service package amount is 1,000 yuan, totaling 23,000 yuan, while the actual customer transaction record transfer is 22,000 yuan, the system will determine it as abnormal and notify the corresponding processor for processing.

[0057] The actual scenarios of the abnormal transaction library include, but are not limited to, the above scenarios. System operators can continuously update the abnormal situations to improve the degree of automation.

[0058] In the embodiment of the present application, first, at least one order information of the user to be processed is received, and a list of offline payment bill information of the user to be processed is obtained at a preset period. Then, it is verified whether the order information matches the list of offline payment bill information to generate a verification result. When an abnormality exists in the verification result, a preset dynamic bill abnormality policy library is initialized. Secondly, the policy information corresponding to the verification result is mapped from the dynamic bill abnormality policy library to generate a mapping result. Finally, it is determined whether the order information passes the verification according to the mapping result. Since the present application matches the order information with the list of offline payment bill information, if the match is consistent, the processing is passed; if an abnormality occurs in the match, the abnormality is automatically processed through the dynamic bill abnormality policy library, which can greatly reduce the workload of offline transaction matching, thereby improving the processing efficiency of orders.

[0059] The following is an embodiment of the device of the present invention, which can be used to execute the method embodiment of the present invention. For the details not disclosed in the embodiment of the device of the present invention, please refer to the method embodiment of the present invention.

[0060] Please refer to Figure 5 , which shows a schematic structural diagram of a verification processing device for offline payment provided by an exemplary embodiment of the present invention. The verification processing device for offline payment can be implemented as all or part of a device through software, hardware, or a combination of both. The device 1 includes an offline payment bill information acquisition module 10, a verification result generation module 20, a dynamic bill abnormality policy library initialization module 30, a mapping result generation module 40, and an information verification module 50.

[0061] The offline payment bill information acquisition module 10 is configured to receive at least one order information of the user to be processed and obtain the offline payment bill information of the user to be processed at a preset period to obtain a list of offline payment bill information;

[0062] The verification result generation module 20 is configured to verify whether the order information matches the list of offline payment bill information and generate a verification result;

[0063] The dynamic bill abnormality policy library initialization module 30 is configured to initialize a preset dynamic bill abnormality policy library when an abnormality exists in the verification result;

[0064] The mapping result generation module 40 is configured to map the policy information corresponding to the verification result from the dynamic bill abnormality policy library to generate a mapping result;

[0065] The information verification module 50 is configured to determine whether the order information passes the verification according to the mapping result.

[0066] It should be noted that when the high-voltage rear identification device provided in the above embodiments executes the high-voltage rear identification method, only the division of the above-mentioned functional modules is used for illustration. In practical applications, the above functions can be allocated to different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. In addition, the high-voltage rear identification device provided in the above embodiments and the embodiments of the high-voltage rear identification method belong to the same concept. The implementation process is detailed in the method embodiments and will not be repeated here.

[0067] The serial numbers of the embodiments of the present application above are only for description and do not represent the superiority or inferiority of the embodiments.

[0068] In the embodiments of the present application, first, at least one order information of the user to be processed is received, and the list of offline payment bill information of the user to be processed is obtained according to a preset period. Then, it is verified whether the order information matches the list of offline payment bill information to generate a verification result. When there is an abnormality in the verification result, a preset dynamic bill exception policy library is initialized. Secondly, the policy information corresponding to the verification result is mapped from the dynamic bill exception policy library to generate a mapping result. Finally, it is determined whether the order information passes the verification according to the mapping result. Since the present application matches the order information with the list of offline payment bill information, if the match is consistent, the processing passes; if the match is abnormal, the dynamic bill exception policy library is used for automatic exception processing, which can greatly reduce the workload of offline transaction matching and thus improve the order processing efficiency.

[0069] In one embodiment, a computer device is proposed. The device includes a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, the following steps are implemented: receiving at least one order information of the user to be processed, and obtaining the list of offline payment bill information of the user to be processed according to a preset period; verifying whether the order information matches the list of offline payment bill information to generate a verification result; when there is an abnormality in the verification result, initializing a preset dynamic bill exception policy library; mapping the policy information corresponding to the verification result from the dynamic bill exception policy library to generate a mapping result; and determining whether the order information passes the verification according to the mapping result.

[0070] In one embodiment, when the processor executes to obtain the offline payment bill information of the user to be processed according to a preset period and obtains a list of offline payment bill information, the following operations are specifically performed: connect to the blockchain trading platform; start a timer to count down the duration of the preset period; when the countdown ends, create a payment bill request instruction according to the identity information of the user to be processed; send the payment bill request instruction to the blockchain trading platform; receive the offline payment bill information fed back from the blockchain trading platform; continue to execute the step of starting the timer to count down the duration of the preset period until the information fed back from the blockchain trading platform is empty and the number of traversals exceeds the preset duration, and obtain multiple offline payment bill information; construct a list of offline payment bill information of the user to be processed according to the multiple offline payment bill information.

[0071] In one embodiment, when the processor executes to construct a list of offline payment bill information of the user to be processed according to multiple offline payment bill information, the following operations are specifically performed: obtain the priority of each offline payment bill information in the multiple offline payment bill information; sort the multiple offline payment bill information according to the order of the priorities from high to low to generate an offline payment bill information sequence; create a target array according to the number of the multiple offline payment bill information; insert the offline payment bill information sequence into the target array in sequence to generate a list of offline payment bill information of the user to be processed.

[0072] In one embodiment, when the processor executes to verify whether the order information matches the list of offline payment bill information and generate a verification result, the following operations are specifically performed: segment the order information to generate a first segmentation result of the order information; extract multiple first keywords of the order information from the first segmentation result by using a keyword extraction algorithm; segment each offline payment bill information in the list of offline payment bill information to generate a second segmentation result of each offline payment bill information; extract keywords from the second segmentation result of each offline payment bill information by using a keyword extraction algorithm to generate multiple second keywords of each offline payment bill information; verify according to the multiple first keywords and the multiple second keywords of each offline payment bill information to generate a verification result.

[0073] In one embodiment, when the processor executes the verification based on multiple first keywords and multiple second keywords of each offline payment bill information to generate a verification result, the following operations are specifically performed: determining first collection information and the total amount of the commodity order according to the multiple first keywords of the order information; determining multiple second collection information and the total payment amount according to the multiple second keywords of each offline payment bill information; when the first collection information is the same as the multiple second collection information and the total amount of the commodity order is the same as the total payment amount, generating a verification result indicating no abnormality; or, when the first collection information is different from the multiple second collection information and / or the total amount of the commodity order is different from the total payment amount, generating a verification result indicating an abnormality.

[0074] In one embodiment, before the processor executes to receive at least one order information of a user to be processed, the following operations are further performed: creating a ternary array; obtaining historical abnormality information in each historical order; constructing historical policy information corresponding to the historical abnormality information in each historical order; creating a historical mapping relationship between the historical abnormality information and the corresponding historical policy information in each historical order; storing the historical abnormality information, the corresponding historical policy information, and the historical mapping relationship in each historical order in the ternary array to generate a dynamic bill abnormality policy library.

[0075] In one embodiment, when the processor executes to determine whether the order information passes the verification according to the mapping result, the following operations are specifically performed: when there is target policy information in the mapping result, correcting the abnormality existing in the verification result based on the policy information to determine that the order information passes the verification; or, when there is no target policy information in the mapping result, determining that the order information fails the verification and generating an abnormality description text to be sent to the client; receiving the current policy information sent from the client, creating a mapping relationship between the current policy information and the abnormality existing in the verification result; storing the current policy information, the abnormality existing in the verification result, and the mapping relationship in a preset dynamic bill abnormality policy library.

[0076] In an embodiment of the present application, first, at least one order information of a user to be processed is received, and a list of offline payment bill information of the user to be processed is obtained according to a preset period. Then, it is verified whether the order information matches the list of offline payment bill information to generate a verification result. When there is an abnormality in the verification result, a preset dynamic bill exception policy library is initialized. Secondly, the policy information corresponding to the verification result is mapped from the dynamic bill exception policy library to generate a mapping result. Finally, it is determined whether the order information passes the verification according to the mapping result. Since the present application matches the order information with the list of offline payment bill information, if the match is consistent, the processing is passed; if the match is abnormal, the dynamic bill exception policy library is used for automatic exception processing, which can greatly reduce the workload of offline transaction matching, thereby improving the order processing efficiency. In one embodiment, a medium storing computer-readable instructions is provided. When the computer-readable instructions are executed by one or more processors, the one or more processors are caused to perform the following steps: receive at least one order information of a user to be processed, and obtain the offline payment bill information of the user to be processed according to a preset period to obtain a list of offline payment bill information; verify whether the order information matches the list of offline payment bill information to generate a verification result; when there is an abnormality in the verification result, initialize a preset dynamic bill exception policy library; map the policy information corresponding to the verification result from the dynamic bill exception policy library to generate a mapping result; determine whether the order information passes the verification according to the mapping result.

[0077] In one embodiment, when the processor executes to obtain the offline payment bill information of the user to be processed according to a preset period to obtain a list of offline payment bill information, the following operations are specifically performed: connect to the blockchain trading platform; start a timer to count down the duration of the preset period; when the countdown ends, create a payment bill request instruction according to the identity information of the user to be processed; send the payment bill request instruction to the blockchain trading platform; receive the offline payment bill information feedback from the blockchain trading platform; continue to execute the step of starting a timer to count down the duration of the preset period until the information feedback from the blockchain trading platform is empty and the traversal times exceed the preset duration, and then obtain multiple pieces of offline payment bill information; construct a list of offline payment bill information of the user to be processed according to the multiple pieces of offline payment bill information.

[0078] In one embodiment, when the processor executes to construct a list of offline payment bill information of the user to be processed according to multiple pieces of offline payment bill information, the following operations are specifically performed: obtain the priority of each piece of offline payment bill information in the multiple pieces of offline payment bill information; sort the multiple pieces of offline payment bill information in the order of the priority level from high to low to generate an offline payment bill information sequence; create a target array according to the number of the multiple pieces of offline payment bill information; insert the offline payment bill information sequence into the target array in sequence to generate a list of offline payment bill information of the user to be processed.

[0079] In one embodiment, when the processor executes to verify whether the order information matches the list of offline payment bill information and generates a verification result, the following operations are specifically performed: perform word segmentation on the order information to generate a first word segmentation result of the order information; extract multiple first keywords of the order information from the first word segmentation result by using a keyword extraction algorithm; perform word segmentation on each piece of offline payment bill information in the list of offline payment bill information to generate a second word segmentation result of each piece of offline payment bill information; extract keywords from the second word segmentation result of each piece of offline payment bill information by using a keyword extraction algorithm to generate multiple second keywords of each piece of offline payment bill information; verify according to the multiple first keywords and the multiple second keywords of each piece of offline payment bill information to generate a verification result.

[0080] In one embodiment, when the processor executes to verify according to the multiple first keywords and the multiple second keywords of each piece of offline payment bill information and generates a verification result, the following operations are specifically performed: determine a first collection information and the total amount of the commodity order according to the multiple first keywords of the order information; determine multiple second collection information and the total payment amount according to the multiple second keywords of each piece of offline payment bill information; when the first collection information is the same as the multiple second collection information and the total amount of the commodity order is the same as the total payment amount, generate a verification result indicating no abnormality; or, when the first collection information is different from the multiple second collection information and / or the total amount of the commodity order is different from the total payment amount, generate a verification result indicating an abnormality.

[0081] In one embodiment, before the processor executes to receive at least one piece of order information of a user to be processed, the following operations are also performed: create a ternary array; obtain the historical abnormality information in each historical order; construct historical policy information corresponding to the historical abnormality information in each historical order; create a historical mapping relationship between the historical abnormality information in each historical order and its corresponding historical policy information; save the historical abnormality information in each historical order, its corresponding historical policy information, and the historical mapping relationship in the ternary array to generate a dynamic bill abnormality policy library.

[0082] In one embodiment, when the processor executes to determine whether the order information passes the verification according to the mapping result, the following operations are specifically performed: when there is target policy information in the mapping result, correct the abnormality existing in the verification result based on the policy information to determine that the order information passes the verification; or, when there is no target policy information in the mapping result, determine that the order information fails the verification, and generate an abnormality description text to be sent to the client; receive the current policy information sent from the client, create a mapping relationship between the current policy information and the abnormality existing in the verification result; save the current policy information, the abnormality existing in the verification result, and the mapping relationship to a preset dynamic bill abnormality policy library.

[0083] In an embodiment of the present application, first, at least one order information of a user to be processed is received, and a list of offline payment bill information of the user to be processed is obtained according to a preset period. Then, it is verified whether the order information matches the list of offline payment bill information to generate a verification result. When there is an abnormality in the verification result, a preset dynamic bill exception policy library is initialized. Secondly, the policy information corresponding to the verification result is mapped from the dynamic bill exception policy library to generate a mapping result. Finally, it is determined whether the order information passes the verification according to the mapping result. Since the present application matches the order information with the list of offline payment bill information, if the match is consistent, the processing passes; if the match is abnormal, automated exception processing is performed through the dynamic bill exception policy library, which can greatly reduce the workload of offline transaction matching, thereby improving the order processing efficiency.

[0084] Those of ordinary skill in the art can understand that all or part of the processes of implementing the methods in the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a computer-readable medium. When the program is executed, it can include the processes of the embodiments of the above methods. Among them, the aforementioned medium can be a non-volatile medium such as a magnetic disk, an optical disc, a read-only memory (ROM), or a random access memory (RAM), etc.

[0085] The technical features of the above embodiments can be combined arbitrarily. For the sake of concise description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered to be within the scope described in this specification.

[0086] The above embodiments only represent several implementation manners of the present invention. The description is relatively specific and detailed, but it should not be construed as a limitation on the scope of the present invention patent. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present invention, several deformations and improvements can be made, and these all belong to the protection scope of the present invention. Therefore, the protection scope of the present invention patent should be subject to the appended claims.

Claims

1. A verification processing method for offline payment, characterized in that, The method includes: Receiving at least one order information of a user to be processed, and obtaining the offline payment bill information of the user to be processed according to a preset period to obtain a list of offline payment bill information; wherein, The obtaining the offline payment bill information of the user to be processed according to a preset period to obtain a list of offline payment bill information includes: Connecting to a blockchain trading platform; Starting a timer to count down the duration of the preset period; When the countdown ends, creating a payment bill request instruction according to the identity information of the user to be processed; Sending the payment bill request instruction to the blockchain trading platform; Receiving the offline payment bill information fed back from the blockchain trading platform; Continuing to execute the step of starting the timer to count down the duration of the preset period until the information fed back from the blockchain trading platform is empty and the traversal times exceed the preset duration, and obtaining multiple offline payment bill information; Constructing a list of offline payment bill information of the user to be processed according to the multiple offline payment bill information; Verifying whether the order information matches the list of offline payment bill information to generate a verification result; When there is an exception in the verification result, initializing a preset dynamic bill exception policy library; Mapping the policy information corresponding to the verification result from the dynamic bill exception policy library to generate a mapping result; Determining whether the order information passes the verification according to the mapping result; wherein, Before receiving at least one order information of the user to be processed, it further includes: Creating a ternary array; Obtaining historical exception information in each historical order; Constructing historical policy information corresponding to the historical exception information in each historical order; Creating a historical mapping relationship between the historical exception information in each historical order and the corresponding historical policy information; Saving the historical exception information in each historical order, the corresponding historical policy information, and the historical mapping relationship in the ternary array to generate a dynamic bill exception policy library; wherein, The determining whether the order information passes the verification according to the mapping result includes: When there is target policy information in the mapping result, correcting the exception existing in the verification result based on the policy information, and determining that the order information passes the verification; Or, When there is no target policy information in the mapping result, determining that the order information fails to pass the verification, and generating an exception description text to be sent to the client; Receiving the current policy information sent from the client, and creating a mapping relationship between the current policy information and the exception existing in the verification result; Saving the current policy information, the exception existing in the verification result, and the mapping relationship to the preset dynamic bill exception policy library.

2. The method according to claim 1, characterized in that, The constructing a list of offline payment bill information of the user to be processed according to the multiple offline payment bill information includes: Obtaining the priority of each offline payment bill information in the multiple offline payment bill information; Sorting the multiple offline payment bill information according to the high-low order of the priority to generate a sequence of offline payment bill information; Create a target array according to the quantity of the multiple offline payment bill information; Insert the offline payment bill information sequence into the target array in turn to generate an offline payment bill information list of the user to be processed.

3. The method according to claim 1, wherein Verifying whether the order information matches the offline payment bill information list to generate a verification result, including: Perform word segmentation on the order information to generate a first word segmentation result of the order information; Extract multiple first keywords of the order information from the first word segmentation result by using a keyword extraction algorithm; Perform word segmentation on each offline payment bill information in the offline payment bill information list to generate a second word segmentation result of each offline payment bill information; Extract keywords from the second word segmentation result of each offline payment bill information by using a keyword extraction algorithm to generate multiple second keywords of each offline payment bill information; Verify according to the multiple first keywords and the multiple second keywords of each offline payment bill information to generate a verification result.

4. The method according to claim 3, characterized in that, Verify according to the multiple first keywords and the multiple second keywords of each offline payment bill information to generate a verification result, including: Determine the first collection information and the total amount of the commodity order according to the multiple first keywords of the order information; Determine multiple second collection information and the total payment amount according to the multiple second keywords of each offline payment bill information; When the first collection information is the same as the multiple second collection information and the total amount of the commodity order is the same as the total payment amount, generate a verification result indicating no abnormality; Or, When the first collection information is different from the multiple second collection information and / or the total amount of the commodity order is different from the total payment amount, generate a verification result indicating an abnormality.

5. An offline payment verification processing device implemented by the method according to any one of claims 1-4, characterized in that, The device includes: An offline payment bill information acquisition module, configured to receive at least one order information of a user to be processed, and acquire the offline payment bill information of the user to be processed according to a preset period to obtain an offline payment bill information list; A verification result generation module, configured to verify whether the order information matches the offline payment bill information list to generate a verification result; A dynamic bill exception policy library initialization module, configured to initialize a preset dynamic bill exception policy library when an exception exists in the verification result; A mapping result generation module, configured to map the policy information corresponding to the verification result from the dynamic bill exception policy library to generate a mapping result; An information verification module, configured to determine whether the order information passes the verification according to the mapping result; wherein, the device is further specifically configured to: Create a ternary array; Obtain the historical exception information in each historical order; Construct historical policy information corresponding to the historical exception information in each historical order; Create a historical mapping relationship between the historical exception information in each historical order and the corresponding historical policy information; Save the historical exception information in each historical order, the corresponding historical policy information, and the historical mapping relationship in the ternary array to generate a dynamic bill exception policy library; wherein, The information verification module is specifically configured to: When there is target policy information in the mapping result, correct the anomalies existing in the verification result based on the policy information, and determine that the order information verification passes; Or, When there is no target policy information in the mapping result, determine that the order information verification fails, and generate an anomaly description text to be sent to the client; Receive the current policy information sent from the client, and create a mapping relationship between the current policy information and the anomalies existing in the verification result; Save the current policy information, the anomalies existing in the verification result, and the mapping relationship to the preset dynamic billing anomaly policy library.

6. A computer device, characterized in that, It includes a memory and a processor. Computer-readable instructions are stored in the memory. When the computer-readable instructions are executed by the processor, the processor executes the steps of the verification processing method for offline payment described in any one of claims 1 to 4.

7. A medium storing computer-readable instructions, characterized in that, When the computer-readable instructions are executed by one or more processors, the one or more processors execute the steps of the verification processing for offline payment described in any one of claims 1 to 4.

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