Order creation method and apparatus, electronic device, and storage medium

Abstract

Embodiments of the present application provide an order creation method and device, electronic equipment and storage medium, the method comprises: in the case of receiving a bill order creation request, obtaining transaction information for bill order creation, wherein the transaction information includes bill face value assets and assets to be paid; determine the asset deviation between the bill face value assets and the assets to be paid, judge whether the asset deviation meets the target asset deviation; if the asset deviation meets the target asset deviation, create a bill order based on the transaction information. In this way, in the case where the asset deviation between the bill face value assets and the assets to be paid meets the target asset deviation, the bill order is allowed to be created based on the transaction information, which can effectively protect the interests of the buyer or seller, and avoid causing significant economic losses to the buyer or seller.

Description

Technical Field

[0001] The present invention relates to the field of electronic payment technology, and in particular to an order creation method, device, electronic device and storage medium. Background Art

[0002] Bills of exchange include bills of exchange, bank drafts and checks. They refer to securities issued by the drawer, which stipulate that the drawer or the authorized payee will unconditionally pay a certain amount to the payee or holder upon sight of the bill or on a specified date. That is, certain securities that can replace cash circulation.

[0003] Currently, buyers and sellers can trade bills, with the buyer placing an order. Once the order is successfully placed, a bill order is generated. The buyer initiates payment for the bill order, and a text message verification is required during the payment process.

[0004] Because buyers can directly place orders and generate bill orders without verifying the transaction price, this can easily lead to significant financial losses for either the buyer or the seller. For example, if the seller quotes an incorrect transaction price, the buyer can directly place an order and initiate payment, causing significant financial losses for the seller. Summary of the Invention

[0005] The purpose of the embodiments of the present invention is to provide an order creation method, device, electronic device, and storage medium to effectively protect the interests of the buyer or seller and avoid causing significant economic losses to the buyer or seller. The specific technical solution is as follows:

[0006] In a first aspect of an embodiment of the present invention, a method for creating an order is first provided, the method comprising:

[0007] Upon receiving a bill order creation request, obtaining transaction information for bill order creation, wherein the transaction information includes bill par assets and assets to be paid;

[0008] Determining the asset deviation between the face value assets of the bill and the assets to be paid, and judging whether the asset deviation meets the target asset deviation;

[0009] If the asset deviation satisfies the target asset deviation, a bill order is created based on the transaction information.

[0010] In an optional embodiment, determining whether the asset deviation satisfies a target asset deviation includes:

[0011] Determining whether the asset deviation is greater than a first asset deviation, and determining whether the asset deviation is greater than or equal to a second asset deviation; wherein the first asset deviation is greater than the second asset deviation;

[0012] If the asset deviation satisfies the target asset deviation, creating a bill order based on the transaction information includes:

[0013] If the asset deviation is not greater than the first asset deviation and is greater than or equal to the second asset deviation, a bill order is created based on the transaction information.

[0014] In an optional embodiment, the transaction information includes a bill acceptor, and determining whether the asset deviation is greater than or equal to a second asset deviation includes:

[0015] Determining the bill grade to which the bill acceptor belongs, and searching for a second asset deviation corresponding to the bill grade;

[0016] Determine whether the asset deviation is greater than or equal to the second asset deviation.

[0017] In an optional embodiment, the second asset deviation is adjusted in the following manner:

[0018] Counting the historical bill acceptors corresponding to the bill grade, and counting the historical bills corresponding to the historical bill acceptors;

[0019] Determine a historical asset deviation between the face value assets of the historical bill and the transaction assets, and adjust the second asset deviation according to the historical asset deviation.

[0020] In an optional embodiment, adjusting the second asset deviation according to the historical asset deviation includes:

[0021] A weighted sum of the historical asset deviations is calculated, and the second asset deviation is adjusted to the weighted sum.

[0022] In an optional embodiment, the method further comprises:

[0023] If the asset deviation is greater than the first asset deviation, or less than the second asset deviation, it is determined that the bill order creation fails.

[0024] In an optional embodiment, the transaction information includes a bill identifier, and before determining the asset deviation between the bill face value asset and the asset to be paid, the following steps are further included:

[0025] Determine the bill corresponding to the bill identifier, and determine whether to verify the bill;

[0026] If the bill has not been verified, the step of determining the asset deviation between the face value asset of the bill and the asset to be paid is performed.

[0027] In an optional embodiment, the method further comprises:

[0028] If the bill is verified, determine whether to perform ECDS query authorization on the bill;

[0029] If ECDS query authorization is not performed on the bill, it is determined that the bill order creation has failed.

[0030] In an optional embodiment, the method further comprises:

[0031] If ECDS query authorization is performed on the bill, the asset deviation between the face value of the bill and the asset to be paid is determined;

[0032] Determining whether the asset deviation satisfies a target asset deviation;

[0033] If the asset deviation satisfies the target asset deviation, a bill order is created based on the transaction information.

[0034] In a second aspect of the embodiments of the present invention, an order creation device is further provided, the device comprising:

[0035] An information acquisition module, configured to, upon receiving a bill order creation request, acquire transaction information for bill order creation, wherein the transaction information includes bill par assets and assets to be paid;

[0036] a deviation determination module, configured to determine the asset deviation between the bill par value asset and the asset to be paid;

[0037] A deviation determination module, configured to determine whether the asset deviation satisfies a target asset deviation;

[0038] An order creation module is configured to create a bill order based on the transaction information if the asset deviation satisfies the target asset deviation.

[0039] In a third aspect of an embodiment of the present invention, an electronic device is provided, comprising a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other via the communication bus;

[0040] Memory for storing computer programs;

[0041] The processor is configured to implement any of the order creation methods described in the first aspect above when executing a program stored in the memory.

[0042] In a fourth aspect of an embodiment of the present invention, a storage medium is further provided, wherein instructions are stored in the storage medium, and when the storage medium is run on a computer, the computer executes any of the order creation methods described in the first aspect above.

[0043] In a fifth aspect of an embodiment of the present invention, a computer program product comprising instructions is further provided, which, when executed on a computer, enables the computer to execute any of the order creation methods described in the first aspect above.

[0044] The technical solution provided by an embodiment of the present invention, upon receiving a bill order creation request, obtains transaction information used to create the bill order, wherein the transaction information includes the bill's par value assets and the assets to be paid, determines the asset deviation between the bill's par value assets and the assets to be paid, and determines whether the asset deviation satisfies the target asset deviation. If the asset deviation satisfies the target asset deviation, a bill order is created based on the transaction information. In this way, only when the asset deviation between the bill's par value assets and the assets to be paid satisfies the target asset deviation is the bill order created based on the transaction information permitted, effectively protecting the respective interests of the buyer or seller and avoiding significant economic losses to the buyer or seller. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and, together with the description, serve to explain the principles of the invention.

[0046] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0047] Figure 1 This is a schematic diagram of an implementation process of an order creation method shown in an embodiment of the present invention;

[0048] Figure 2 This is a schematic diagram of an implementation flow of another order creation method shown in an embodiment of the present invention;

[0049] Figure 3 1 is a schematic diagram of an implementation flow of a second asset offset adjustment method according to an embodiment of the present invention;

[0050] Figure 4 This is a schematic diagram of an implementation flow of another order creation method shown in an embodiment of the present invention;

[0051] Figure 5 This is a schematic structural diagram of an order creation device shown in an embodiment of the present invention;

[0052] Figure 6 FIG. 4 is a schematic structural diagram of an electronic device shown in an embodiment of the present invention. DETAILED DESCRIPTION

[0053] To make the objectives, technical solutions, and advantages of the embodiments of the present invention more clear, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts shall fall within the scope of protection of the present invention.

[0054] like Figure 1 FIG. 1 is a schematic diagram of an implementation flow of an order creation method provided by an embodiment of the present invention. The method can be applied to a server and specifically may include the following steps:

[0055] S101: Upon receiving a bill order creation request, obtain transaction information for bill order creation, wherein the transaction information includes bill face assets and assets to be paid.

[0056] In an embodiment of the present invention, when a buyer and seller successfully match a bill on a third-party platform, a bill order creation request may be triggered for the bill. The buyer may trigger the bill order creation request by clicking an order button, etc., which is not limited in this embodiment of the present invention.

[0057] The third-party platform may send a bill order creation request to the server, and the server may receive the bill order creation request. Upon receiving the bill order creation request, the server may parse the transaction information for bill order creation carried in the bill order creation request.

[0058] The server can thus obtain transaction information used to create a bill order, wherein the transaction information includes the bill face assets and the assets to be paid, and of course may also include transaction information such as the bill number, buyer user ID, seller user ID, buyer handling fee, transaction channel, buyer bill receiving account, etc., which is not limited in this embodiment of the present invention.

[0059] For example, when a buyer and a seller successfully match Bill A on a third-party platform, the buyer can trigger a Bill A order creation request by clicking an order button, so that the third-party platform can send the Bill A order creation request to the server.

[0060] The server receives the bill A order creation request, and upon receiving the bill A order creation request, parses the transaction information for bill A order creation carried in the bill A order creation request, so that the server can obtain the transaction information for bill A order creation.

[0061] S102: Determine the asset deviation between the bill face value assets and the assets to be paid, and judge whether the asset deviation meets the target asset deviation.

[0062] In an embodiment of the present invention, the server may determine the asset deviation between the bill par value assets and the assets to be paid, that is, the asset deviation is the assets to be paid / the bill par value assets, thereby determining whether the asset deviation meets the target asset deviation.

[0063] For example, in an embodiment of the present invention, the server can determine that the price deviation between the face value of the bill and the amount to be paid is 80%, that is, the price deviation of 80% is the amount to be paid / the face value of the bill, thereby determining whether the price deviation meets the target price deviation.

[0064] S103: If the asset deviation satisfies the target asset deviation, a bill order is created based on the transaction information.

[0065] For the asset deviation between the bill face value assets and the assets to be paid, if the asset deviation meets the target asset deviation, it means that the asset deviation is moderate, so the server can create a bill order based on the transaction information.

[0066] For example, if the price deviation between the face value of the bill and the amount to be paid is 80%, and if the price deviation of 80% meets the target price deviation, it means that the price deviation of 80% is moderate, and the server can create a bill A order based on the above transaction information.

[0067] Through the above description of the technical solution provided by the embodiment of the present invention, when a bill order creation request is received, transaction information for bill order creation is obtained, wherein the transaction information includes the bill face assets and the assets to be paid, the asset deviation between the bill face assets and the assets to be paid is determined, and it is judged whether the asset deviation meets the target asset deviation. If the asset deviation meets the target asset deviation, the bill order is created based on the transaction information.

[0068] In this way, only when the asset deviation between the bill's face value assets and the assets to be paid meets the target asset deviation can the creation of a bill order based on the transaction information be allowed, which can effectively protect the respective interests of the buyer or seller and avoid causing significant economic losses to the buyer or seller.

[0069] like Figure 2FIG. 1 is a schematic diagram of an implementation flow of another order creation method provided by an embodiment of the present invention. The method can be applied to a server and may specifically include the following steps:

[0070] S201: Upon receiving a bill order creation request, obtain transaction information for bill order creation, wherein the transaction information includes bill face assets and assets to be paid.

[0071] In the embodiment of the present invention, this step is similar to the above-mentioned step S101, and the embodiment of the present invention will not be described in detail here.

[0072] S202: Determine the asset deviation between the bill face value assets and the assets to be paid.

[0073] In the embodiment of the present invention, this step is similar to the above-mentioned step S102, and the embodiment of the present invention will not be described in detail here.

[0074] S203: Determine whether the asset deviation is greater than the first asset deviation, and determine whether the asset deviation is greater than or equal to the second asset deviation.

[0075] Regarding the asset deviation between the face value of the bill and the asset to be paid, in this embodiment of the present invention, the server can determine whether the asset deviation is greater than a first asset deviation, and whether the asset deviation is greater than or equal to a second asset deviation. This means that the target asset deviation includes the first asset deviation and the second asset deviation, and the first asset deviation is greater than the second asset deviation.

[0076] For example, for the price deviation between the face value of the bill and the amount to be paid, the server in an embodiment of the present invention determines whether the price deviation is greater than the first price deviation of 100%, and determines whether the price deviation is greater than or equal to the second price deviation of 70%. From this, it can be seen that the first price deviation is greater than the second price deviation.

[0077] In addition, in an embodiment of the present invention, the transaction information includes the bill acceptor. Based on this, it is possible to determine whether the asset deviation is greater than or equal to the second asset deviation in the following manner: determine the bill grade to which the bill acceptor belongs, and search for the second asset deviation corresponding to the bill grade; and determine whether the asset deviation is greater than or equal to the second asset deviation.

[0078] For example, in an embodiment of the present invention, bill acceptors are pre-classified into different bill grades, such as state-owned stocks, large commercial enterprises, small and medium-sized urban commercial enterprises, agriculture, rural areas and farmers, first-class fiscal bills, second-class fiscal bills, third-class fiscal bills, first-class commercial bills, second-class commercial bills, and third-class commercial bills, and different second price deviations are set for different bill grades.

[0079] Based on this, the server can determine the acceptor's bill grade (state-owned shares), search for the corresponding second price deviation (70%), and determine whether the price deviation is greater than or equal to the second price deviation (70%). The second price deviations corresponding to different bill grades are shown in Table 1 below.

[0080] Different bill grades Second price deviation state stocks 70％ Dashang 65％ …… ……

[0081] Table 1

[0082] S204: If the asset deviation is not greater than the first asset deviation and is greater than or equal to the second asset deviation, create a bill order based on the transaction information.

[0083] For the asset deviation between the face value of the bill and the asset to be paid, if the asset deviation is not greater than the first asset deviation and is greater than or equal to the second asset deviation, it means that the asset deviation is moderate, the interests of both the buyer and the seller can be protected, and the server can create a bill order based on the transaction information.

[0084] For example, for the price deviation between the face value of the bill and the amount to be paid, if the price deviation is not greater than 100% of the second price deviation and is greater than or equal to 70% of the second price deviation, it means that the price deviation is moderate, and the interests of both the buyer and the seller can be protected. The server can create a bill order based on the above transaction information.

[0085] In addition, for the asset deviation between the face value assets of the bill and the assets to be paid, if the asset deviation is greater than the first asset deviation, or less than the second asset deviation, it means that the asset deviation is too high or too low, and the interests of both the buyer and the seller cannot be guaranteed. The order creation is not allowed, and it can be determined that the bill order creation has failed.

[0086] For example, if the price deviation between the face value of the bill and the amount to be paid is greater than the second price deviation of 100%, it means that the price deviation is too high, the buyer's interests cannot be guaranteed, and it is easy to cause significant economic losses to the buyer. In order to avoid such a phenomenon, the order creation is not allowed, and it can be determined that the bill order creation has failed.

[0087] For another example, if the price deviation between the face value of the bill and the amount to be paid is less than 70% of the second price deviation, it means that the price deviation is too low, the seller's interests cannot be guaranteed, and it is easy to cause significant economic losses to the seller. In order to avoid such a phenomenon, order creation is not allowed, and it can be determined that the bill order creation has failed.

[0088] like Figure 3FIG. 1 is a schematic diagram of an implementation flow of a second asset deviation adjustment method provided by an embodiment of the present invention. The method can be applied to a server and may specifically include the following steps:

[0089] S301, counting historical bill acceptors corresponding to the bill grade, and counting historical bills corresponding to the historical bill acceptors.

[0090] In an embodiment of the present invention, the server can count historical bill acceptors corresponding to bill levels and count historical bills corresponding to historical bill acceptors. The server can count historical bills corresponding to historical bill acceptors within a recent period of time.

[0091] For example, for different bill grades such as state-owned stocks, large commercial enterprises, small and medium-sized urban commercial enterprises, agriculture, rural areas and farmers, first-class fiscal bills, second-class fiscal bills, third-class fiscal bills, first-class commercial bills, second-class commercial bills, and third-class commercial bills, the server can count the historical bill acceptors corresponding to any bill grade, and thus count the historical bills corresponding to the historical bill acceptors in the last month.

[0092] S302: Determine the historical asset deviation between the face value assets and the transaction assets of the historical bill, and adjust the second asset deviation according to the historical asset deviation.

[0093] For historical bills corresponding to historical bill acceptors, the server in an embodiment of the present invention can determine the historical asset deviation between the bill face value assets and the transaction assets of the historical bill, that is, the historical asset deviation is transaction assets / bill face value assets, and thus adjust the second asset deviation according to the historical asset deviation.

[0094] For example, for the historical bills corresponding to the historical bill acceptors in the last month, the server in an embodiment of the present invention can determine the historical price deviation between the bill face value and the transaction amount of the historical bill, that is, the historical price deviation is the transaction amount / bill face value, and thus adjust the second price deviation according to the historical price deviation.

[0095] Furthermore, in the embodiment of the present invention, the server may specifically adjust the second asset deviation in the following manner: calculating a weighted sum of historical asset deviations, and adjusting the second asset deviation to the weighted sum.

[0096] For example, for historical price deviations, as shown in Table 2 below, the weighted sum of historical price deviations is calculated as 69%, where the weight of each historical price deviation can be pre-set, or the weight of each historical price deviation can be equal, and the second price deviation of 70% is adjusted to the weighted sum of 69%.

[0097] Historical price deviation Weight 85％ 0.1 80％ 0.1 …… ……

[0098] Table 2

[0099] like Figure 4 FIG. 1 is a schematic diagram of an implementation flow of another order creation method provided by an embodiment of the present invention. The method can be applied to a server and may specifically include the following steps:

[0100] S401: Upon receiving a bill order creation request, obtain transaction information for bill order creation, wherein the transaction information includes bill face assets and assets to be paid.

[0101] In the embodiment of the present invention, this step is similar to the above-mentioned step S101, and the embodiment of the present invention will not be described in detail here.

[0102] S402: Determine the bill corresponding to the bill identifier and determine whether to verify the bill.

[0103] In the embodiment of the present invention, the transaction information includes a bill identifier, which may be a bill number, a bill ID, or a bill name, and is not limited in the embodiment of the present invention.

[0104] Based on this, the server determines the ticket corresponding to the ticket identifier and determines whether to verify the ticket, that is, determines whether the user verifies the ticket.

[0105] S403: If the bill has not been verified, determine the asset deviation between the face value assets of the bill and the assets to be paid.

[0106] For a bill, if the bill has not been verified, that is, the user does not verify the bill, the asset deviation between the face value of the bill and the asset to be paid can be determined.

[0107] For example, for bill A, if bill A has not been verified, that is, the user does not need to verify bill A, the price deviation between the face value of bill A and the amount to be paid can be determined.

[0108] In addition, for the bill, if the bill is verified, that is, the user verifies the bill, it is determined whether the ECDS query authorization is performed on the bill, that is, it is determined whether the user has performed ECDS query authorization on the bill. If the ECDS query authorization is not performed on the bill, it is determined that the bill order creation has failed.

[0109] For example, for bill A, if bill A is verified, that is, the user needs to verify bill A, it is determined whether the user has authorized ECDS query for bill A. If the user has not authorized ECDS query for bill A, it is determined that the order creation of bill A has failed.

[0110] In addition, if the user authorizes an ECDS query for the bill, it can be determined whether the asset deviation is greater than the first asset deviation, and whether the asset deviation is greater than or equal to the second asset deviation. If the asset deviation is not greater than the first asset deviation and is greater than or equal to the second asset deviation, a bill order is created based on the transaction information, that is, steps S404 to S405 are continued.

[0111] S404: Determine whether the asset deviation is greater than a first asset deviation, and determine whether the asset deviation is greater than or equal to a second asset deviation.

[0112] In the embodiment of the present invention, this step is similar to the above-mentioned step S203, and the embodiment of the present invention will not be described in detail here.

[0113] S405: If the asset deviation is not greater than the first asset deviation and is greater than or equal to the second asset deviation, create a bill order based on the transaction information.

[0114] In the embodiment of the present invention, this step is similar to the above-mentioned step S204, and the embodiment of the present invention will not be described in detail here.

[0115] Corresponding to the above method embodiment, the embodiment of the present invention also provides an order creation device, such as Figure 5 As shown, the device may include: an information acquisition module 510 , a deviation determination module 520 , a deviation judgment module 530 , and an order creation module 540 .

[0116] An information acquisition module 510 is configured to, upon receiving a bill order creation request, acquire transaction information for bill order creation, wherein the transaction information includes bill par assets and assets to be paid;

[0117] Deviation determination module 520, used to determine the asset deviation between the bill par value asset and the to-be-paid asset;

[0118] Deviation determination module 530, configured to determine whether the asset deviation satisfies a target asset deviation;

[0119] The order creation module 540 is configured to create a bill order based on the transaction information if the asset deviation satisfies the target asset deviation.

[0120] In a specific implementation of the embodiment of the present invention, the deviation determination module 530 specifically includes:

[0121] A first deviation determination submodule, configured to determine whether the asset deviation is greater than a first asset deviation;

[0122] A second deviation determination submodule is configured to determine whether the asset deviation is greater than or equal to a second asset deviation; wherein the first asset deviation is greater than the second asset deviation;

[0123] The order creation module 540 is specifically used to:

[0124] If the asset deviation is not greater than the first asset deviation and is greater than or equal to the second asset deviation, a bill order is created based on the transaction information.

[0125] In a specific implementation of the embodiment of the present invention, the transaction information includes the bill acceptor, and the second deviation determination submodule is specifically configured to:

[0126] Determining the bill grade to which the bill acceptor belongs, and searching for a second asset deviation corresponding to the bill grade;

[0127] Determine whether the asset deviation is greater than or equal to the second asset deviation.

[0128] In a specific implementation of the embodiment of the present invention, the device further includes:

[0129] A bill statistics module, used to count the historical bill acceptors corresponding to the bill grade, and count the historical bills corresponding to the historical bill acceptors;

[0130] a determination module, configured to determine a historical asset deviation between the face value assets of the historical bill and the transaction assets;

[0131] The deviation adjustment module is configured to adjust the second asset deviation according to the historical asset deviation.

[0132] In a specific implementation of the embodiment of the present invention, the deviation adjustment module is specifically used to:

[0133] A weighted sum of the historical asset deviations is calculated, and the second asset deviation is adjusted to the weighted sum.

[0134] In a specific implementation of the embodiment of the present invention, the device further includes:

[0135] An order creation failure module is used to determine that the bill order creation fails if the asset deviation is greater than the first asset deviation or less than the second asset deviation.

[0136] In a specific implementation of the embodiment of the present invention, the device further includes:

[0137] A ticket verification module, configured to determine the ticket corresponding to the ticket identifier and determine whether to verify the ticket;

[0138] If the bill has not been verified, the step of determining the asset deviation between the face value asset of the bill and the asset to be paid is performed.

[0139] In a specific implementation of the embodiment of the present invention, the device further includes:

[0140] a failure determination module, configured to determine whether to perform ECDS query authorization on the bill if the bill is verified;

[0141] If ECDS query authorization is not performed on the bill, it is determined that the bill order creation has failed.

[0142] In a specific implementation of the embodiment of the present invention, the device further includes:

[0143] A bill order creation module, configured to determine the asset deviation between the bill's par value and the asset to be paid if an ECDS query authorization is performed on the bill;

[0144] Determining whether the asset deviation satisfies a target asset deviation;

[0145] If the asset deviation satisfies the target asset deviation, a bill order is created based on the transaction information.

[0146] The embodiment of the present invention further provides an electronic device, such as Figure 6 As shown, it includes a processor 61, a communication interface 62, a memory 63 and a communication bus 64, wherein the processor 61, the communication interface 62, and the memory 63 communicate with each other through the communication bus 64.

[0147] Memory 63, for storing computer programs;

[0148] The processor 61 is configured to execute the program stored in the memory 63 by performing the following steps:

[0149] Upon receiving a bill order creation request, transaction information for bill order creation is obtained, wherein the transaction information includes the bill face assets and the assets to be paid; the asset deviation between the bill face assets and the assets to be paid is determined, and it is judged whether the asset deviation meets the target asset deviation; if the asset deviation meets the target asset deviation, the bill order is created based on the transaction information.

[0150] The communication bus mentioned in the electronic device mentioned above may be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. This communication bus can be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is used in the figure, but this does not mean that there is only one bus or only one type of bus.

[0151] The communication interface is used for communication between the above electronic device and other devices.

[0152] The memory may include random access memory (RAM) or non-volatile memory, such as at least one disk storage. Alternatively, the memory may be at least one storage device located away from the processor.

[0153] The above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, and discrete hardware components.

[0154] In another embodiment provided by the present invention, a storage medium is also provided, in which instructions are stored. When the storage medium is run on a computer, the computer executes the order creation method described in any one of the above embodiments.

[0155] In another embodiment provided by the present invention, a computer program product containing instructions is also provided, which, when executed on a computer, enables the computer to execute the order creation method described in any one of the above embodiments.

[0156] In the above embodiments, all or part of the embodiments can be implemented by software, hardware, firmware, or any combination thereof. When implemented using software, all or part of the embodiments can be implemented in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of the present invention are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a storage medium or transmitted from one storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via a wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) method. The storage medium can be any available medium that can be accessed by a computer or a data storage device such as a server or data center that includes one or more available media. The available medium can be a magnetic medium (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state drive (SSD)).

[0157] It should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply the existence of any such actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of other identical elements in the process, method, article, or device comprising the element.

[0158] Each embodiment in this specification is described in a related manner. Similar parts between the various embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences between the other embodiments. In particular, the system embodiment is generally similar to the method embodiment, so the description is relatively simple. For related parts, refer to the description of the method embodiment.

[0159] The above description is only a preferred embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention are included in the scope of protection of the present invention.

Claims

1. A method for creating an order, characterized in that: The method comprises: Upon receiving a bill order creation request, parsing transaction information for bill order creation carried in the bill order creation request to obtain the transaction information for bill order creation, wherein the transaction information includes the bill par value, the assets to be paid, and the bill acceptor; Determining the asset deviation between the face value assets of the bill and the assets to be paid, and judging whether the asset deviation meets the target asset deviation; If the asset deviation satisfies the target asset deviation, a bill order is created based on the transaction information.

2. The method according to claim 1, characterized in that The determining whether the asset deviation satisfies a target asset deviation includes: Determining whether the asset deviation is greater than a first asset deviation, and determining whether the asset deviation is greater than or equal to a second asset deviation; wherein the first asset deviation is greater than the second asset deviation; If the asset deviation satisfies the target asset deviation, creating a bill order based on the transaction information includes: If the asset deviation is not greater than the first asset deviation and is greater than or equal to the second asset deviation, a bill order is created based on the transaction information.

3. The method according to claim 2, characterized in that The transaction information includes the bill acceptor, and the determining whether the asset deviation is greater than or equal to the second asset deviation includes: Determining the bill grade to which the bill acceptor belongs, and searching for a second asset deviation corresponding to the bill grade; Determine whether the asset deviation is greater than or equal to the second asset deviation.

4. The method according to claim 3, characterized in that The second asset deviation is specifically adjusted in the following manner: Counting the historical bill acceptors corresponding to the bill grade, and counting the historical bills corresponding to the historical bill acceptors; Determine a historical asset deviation between the face value assets of the historical bill and the transaction assets, and adjust the second asset deviation according to the historical asset deviation.

5. The method according to claim 4, characterized in that The adjusting the second asset deviation according to the historical asset deviation includes: A weighted sum of the historical asset deviations is calculated, and the second asset deviation is adjusted to the weighted sum.

6. The method according to any one of claims 2 to 5, characterized in that The method further comprises: If the asset deviation is greater than the first asset deviation, or less than the second asset deviation, it is determined that the bill order creation fails.

7. The method according to claim 1, characterized in that The transaction information includes a bill identifier. Before determining the asset deviation between the bill face value asset and the asset to be paid, the method further includes: Determine the bill corresponding to the bill identifier, and determine whether to verify the bill; If the bill has not been verified, the step of determining the asset deviation between the face value asset of the bill and the asset to be paid is performed.

8. The method according to claim 7, characterized in that The method further comprises: If the bill is verified, determine whether to perform ECDS query authorization on the bill; If ECDS query authorization is not performed on the bill, it is determined that the bill order creation has failed.

9. The method according to claim 8, characterized in that The method further comprises: If ECDS query authorization is performed on the bill, the asset deviation between the face value of the bill and the asset to be paid is determined; Determining whether the asset deviation satisfies a target asset deviation; If the asset deviation satisfies the target asset deviation, a bill order is created based on the transaction information.

10. An order creation device, characterized in that: The device comprises: An information acquisition module is configured to, upon receiving a bill order creation request, parse the transaction information for bill order creation carried in the bill order creation request and acquire the transaction information for bill order creation, wherein the transaction information includes the bill par assets, the assets to be paid, and the bill acceptor; a deviation determination module, configured to determine the asset deviation between the bill face value assets and the assets to be paid; A deviation determination module, configured to determine whether the asset deviation satisfies a target asset deviation; An order creation module is configured to create a bill order based on the transaction information if the asset deviation satisfies the target asset deviation.

11. An electronic device, characterized in that: It includes a processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus; Memory for storing computer programs; A processor, configured to implement the method steps described in any one of claims 1 to 9 when executing a program stored in a memory.

12. A storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 9 is implemented.

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