A method and apparatus for targeted transactions

Abstract

The application discloses a method and device for directional transaction, and relates to the technical field of big data. A specific embodiment of the method comprises the following steps: in response to a code scanning operation of a first user, a transaction request is acquired; the transaction request indicates a first account corresponding to the first user, a product type corresponding to the first account, a second account corresponding to the code scanning operation, and a transaction amount; whether the first account opens a directional transaction function is determined according to the product type; in the case that the directional transaction function is opened, whether the second account is a directional account is determined; if yes, the transaction request is responded according to the transaction amount, so as to realize the transaction between the first account and the second account. The embodiment can realize different transaction restrictions for different types of products. In the case that the directional transaction function is opened, the directional transaction between the first account and the second account is realized by verifying whether the second account is a directional account.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of big data, and in particular to a method and device for directional transaction. BACKGROUND

[0002] In order to promote the rapid development of agriculture, farmers can apply for special agricultural loans for specific agricultural expenditures. However, due to the low cultural level of farmers, most customers choose to withdraw the loan and then trade, which leads to insufficient bank loan funds, low use rate of mobile bank, and risk of user loan fund flow.

[0003] With the rapid development of mobile payment such as WeChat and Alipay, the use rate of mobile phones by farmers has increased, and code scanning payment has become a common payment method. However, the existing code scanning payment cannot limit the payment account and the collection account, and after the user scans the code, the user can select the payment account and pay to any collection account, which cannot limit the flow of loan amount, and there is a risk of misappropriating the loan, so there is an urgent need to provide a mobile payment method that can limit the flow of loan funds and be used for special purposes. SUMMARY

[0004] Therefore, the embodiments of the present application provide a method and device for directional transaction, which determines whether to start the directional transaction function according to the product type of the first account corresponding to the first user, and can realize different transaction restrictions for different types of products. In the case of starting the directional transaction function, it is verified whether the second account is a directional account, and only in the case that the second account is a directional account, the transaction can be carried out, which realizes that the first account can only transact with the second account in the directional account, that is, the directional transaction between the first account and the second account.

[0005] To achieve the above object, according to an aspect of the embodiments of the present application, a method for directional transaction is provided.

[0006] The method for directional transaction of the embodiments of the present application comprises: in response to the code scanning operation of the first user, obtaining a transaction request; the transaction request indicates the first account corresponding to the first user, the product type corresponding to the first account, the second account corresponding to the code scanning operation, and the transaction amount; determining whether the first account starts the directional transaction function according to the product type; in the case of starting the directional transaction function, determining whether the second account is a directional account; if so, responding to the transaction request according to the transaction amount to realize the transaction between the first account and the second account.

[0007] Optionally, the transaction request further indicates a product code corresponding to the first account; and the responding to the transaction request according to the transaction amount comprises: determining a daily transaction quota and an account balance of the first account according to the product code; and in a case where the transaction amount meets the daily transaction quota and is not greater than the account balance, responding to the transaction request according to the transaction amount.

[0008] Optionally, in a case where the transaction amount meets the daily transaction quota but is greater than the account balance, the method further comprises: determining a difference between the transaction amount and the account balance; determining a third account for paying the difference through an account selection interface; and in a case where an account balance of the third account is greater than the difference, executing the transaction request according to the account balance of the third account and the account balance of the first account.

[0009] Optionally, the method further comprises: receiving an account opening request of a first user; the account opening request comprising an account opening quota; generating a first account corresponding to the first user according to the account opening request, and storing a transaction amount corresponding to the account opening quota into the first account.

[0010] Optionally, the method further comprises: determining a transaction deadline for the first account; and before the determining whether the second account is a directional account, the method further comprises: determining whether the transaction deadline of the first account is valid; and in a case where the transaction deadline is valid, determining whether the second account is a directional account.

[0011] Optionally, the method further comprises: in a case where the transaction deadline is invalid, rejecting the transaction request, and sending first prompt information to the first user to prompt the first user to send a deadline extension request for the first account.

[0012] Optionally, in a case where the transaction amount does not meet the daily transaction quota, the method further comprises: sending second prompt information to the first user to prompt the first user to re-input a transaction amount according to the daily transaction quota.

[0013] Optionally, the determining whether the second account is a directional account comprises: obtaining a preset directional account list; matching the second account with the directional account list, and determining that the second account is a directional account if the matching is successful; otherwise, the second account is a non-directional account.

[0014] Optionally, in a case where the second account is a non-directional account, the method further comprises: rejecting the transaction request, and sending third prompt information to the first user to prompt the first user that the current payment account is a non-payment access account and cannot complete the transaction.

[0015] Optionally, further comprising: in the case that the directional transaction function is not turned on, performing the transaction request on the first account and the second account according to a transaction period corresponding to the first account, an account balance, and the transaction amount.

[0016] Optionally, the method is applied to a transaction scenario of a farmer loan.

[0017] To achieve the above object, according to another aspect of the embodiment of the present application, a directional transaction device is provided.

[0018] The directional transaction device of the embodiment of the present application comprises: an acquisition module, configured to acquire a transaction request in response to a code scanning operation of a first user; the transaction request indicates a first account corresponding to the first user, a product type corresponding to the first account, a second account corresponding to the code scanning operation, and a transaction amount; a determination module, configured to determine whether the directional transaction function of the first account is turned on according to the product type; in the case that the directional transaction function is turned on, determine whether the second account is a directional account; and a transaction module, configured to, if yes, respond to the transaction request according to the transaction amount to realize a transaction between the first account and the second account.

[0019] To achieve the above object, according to another aspect of the embodiment of the present application, an electronic device for directional transaction is provided.

[0020] The electronic device for directional transaction of the embodiment of the present application comprises: one or more processors; a storage device, configured to store one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement a directional transaction method of the embodiment of the present application.

[0021] To achieve the above object, according to another aspect of the embodiment of the present application, a computer readable storage medium is provided.

[0022] The computer readable storage medium of the embodiment of the present application has a computer program stored thereon, when the program is executed by a processor, a directional transaction method of the embodiment of the present application is implemented.

[0023] An embodiment of the above invention has the following advantages or beneficial effects: according to the product type of the first account corresponding to the first user, it is determined whether the directional transaction function needs to be turned on, which can realize different transaction restrictions for different types of products. In the case that the directional transaction function is turned on, it is verified whether the second account is a directional account, and only in the case that the second account is a directional account, the transaction can be performed, which realizes that the first account can only transact with the second account in the directional account, i.e., directional transaction between the first account and the second account.

[0024] Further effects of the above-described non-conventional optional mode will be illustrated in the following in conjunction with the specific embodiments. BRIEF DESCRIPTION OF DRAWINGS

[0025] The accompanying drawings are included to provide a further understanding of the application, and are incorporated in and constitute a part of this specification, illustrate embodiments of the application, and together with the description serve to explain the principles of the application. In the drawings:

[0026] Figure 1 is a flowchart of a method of directional transaction according to an embodiment of the application;

[0027] Figure 2 is a flowchart of determining whether a second account is a directional account according to an embodiment of the application;

[0028] Figure 3 is a flowchart of responding to a transaction request according to a transaction amount according to an embodiment of the application;

[0029] Figure 4 is a flowchart of a case where a transaction amount satisfies a daily transaction limit, but the transaction amount is greater than an account balance according to an embodiment of the application;

[0030] Figure 5 is a flowchart of opening an account by a first user according to an embodiment of the application;

[0031] Figure 6 is a flowchart of determining whether a transaction period of a first account is valid according to an embodiment of the application;

[0032] Figure 7 is a schematic diagram of main modules of a device of directional transaction according to an embodiment of the application;

[0033] Figure 8 is an exemplary system architecture diagram in which embodiments of the application can be applied;

[0034] Figure 9 is a structural schematic diagram of a computer system of a terminal device or a server suitable for implementing embodiments of the application. DETAILED DESCRIPTION

[0035] Exemplary embodiments of the present application will be described hereinafter with reference to the accompanying drawings, in which various specific details are set forth in order to provide a thorough understanding of the application. It should be understood that the embodiments described herein are only exemplary and that many variations and modifications are possible in the scope of the application. Also, it should be understood that the descriptions and specific examples, while indicating preferred embodiments, are intended to be illustrative only and are not intended to be limiting on the scope of the application. In the following description, for the purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the present application. It should be understood, however, that the present application can be practiced without these specific details. In other instances, well-known structures and functions are not described in detail in order to avoid obscuring the present application.

[0036] It should be noted that the embodiments of the application and the technical features in the embodiments can be combined with each other without conflict.

[0037] It should be noted that the acquisition, storage, use, processing and the like of data in the technical solutions of the present application comply with the relevant provisions of national laws and regulations, the acquisition, storage and application of personal information of users involved comply with the relevant legal regulations, and do not violate public order and good customs.

[0038] Figure 1 is a schematic diagram of main steps of the method of targeted transaction according to an embodiment of the present application.

[0039] As shown in Figure 1 , the method of targeted transaction according to an embodiment of the present application mainly includes the following steps:

[0040] Step S101: In response to a code scanning operation of a first user, a transaction request is acquired; the transaction request indicates a first account corresponding to the first user, a product type corresponding to the first account, a second account corresponding to the code scanning operation and a transaction amount;

[0041] Step S102: It is determined whether the first account opens a targeted transaction function according to the product type;

[0042] Step S103: In the case of opening the targeted transaction function, it is determined whether the second account is a targeted account;

[0043] Step S104: If yes, the transaction request is responded according to the transaction amount, so as to realize the transaction between the first account and the second account.

[0044] Among them, the first user can be understood as a payer, the first account is an account for payment, and the second account can be understood as a payee account. In the embodiment of the present application, the payee can be understood as a merchant. In the actual application process, after the first user scans the two-dimensional code of the merchant through the scan function, the background can obtain the second account corresponding to the merchant. The first account and the transaction amount are both input by the user after the payment page is popped up after scanning the two-dimensional code. For the first account input in history, it can be selected through a drop-down menu, or it can be selected by default according to the set payment order.

[0045] In an optional embodiment, the method provided by the embodiment of the present application is applied to the transaction scenario of a farmer loan, and thus the product type in step S101 can be understood as a loan obtained through different channels, i.e., a loan mode such as a credit version loan, a mortgage version loan, a guarantee version loan, and the like. For different product types, the risk of illegal use of loan funds is also different, and thus whether to start the directional transaction function can be determined according to the product type in step S102. For example, for a mortgage version loan, the first user obtains a loan by mortgaging land or the like to a bank, and if the user illegally uses the funds, the mortgaged property may not be redeemed, and thus the illegal risk is low, and the directional transaction function can not be started. For a credit version loan, the first user obtains a loan by credit points or credit limits, and the substantive loss to the user is small, and thus the illegal use risk is high, and the directional transaction function needs to be started.

[0046] For the process of determining whether the second account is a directional account in step S103, in an optional embodiment, as shown in Figure 2 , the process includes:

[0047] Step S201: Obtain a preset directional account list.

[0048] Step S202: Match the second account with the directional account list.

[0049] If the matching is successful, step S203 is performed to determine that the second account is a directional account; otherwise, step S204 is performed to determine that the second account is a non-directional account.

[0050] The preset directional account list can be understood as an account that can be paid with loan funds. For a farmer loan, the loan is used to help farmers expand agricultural production and increase agricultural income, and thus the amount of the loan needs to be limited to agricultural expenses only, and thus the account in the directional account list is an account of an agricultural merchant. In an optional embodiment, the merchant in the directional account list is a merchant that has signed an agreement to join the directional payment function in advance, and the qualification of the merchant needs to be identified to ensure the safety of the funds.

[0051] It should be noted that when the second account is determined to be a directional account, the transaction request can be successfully processed, but when the second account is a non-directional account, the transaction cannot be processed. In an optional embodiment, the process includes rejecting the transaction request and sending third prompt information to the first user to prompt the first user that the current payment account is a non-payment access account and the transaction cannot be completed. Alternatively, the first user is prompted to change the payment account, and the transaction can be performed through another payment account without transaction restrictions.

[0052] In an alternative embodiment, the transaction request further indicates a product code corresponding to the first account, and the specific process of responding to the transaction request according to the transaction amount in step S104, as shown in Figure 3 includes the following steps:

[0053] Step S301: determining the daily transaction limit of the first account and the account balance according to the product code;

[0054] Step S302: responding to the transaction request according to the transaction amount in the case that the transaction amount meets the daily transaction limit and is not greater than the account balance.

[0055] The product code refers to a specific loan product. For each specific loan product, there are different loan requirements, such as daily transaction limit, loan interest rate, transaction period, and loan limit, etc. Each account can only apply for one loan product and cannot apply for multiple loan products at the same time. Therefore, according to the product code, the daily transaction limit corresponding to the first account can be determined.

[0056] It should be noted that in the case that the transaction amount meets the daily transaction limit and is not greater than the account balance, the transaction can proceed smoothly. In the case that the transaction amount exceeds the daily transaction limit or the account balance is insufficient, different coping strategies are needed. In an alternative embodiment, in the case that the transaction amount meets the daily transaction limit but the transaction amount is greater than the account balance, as shown in Figure 4 further includes the following steps:

[0057] Step S401: determining the difference between the transaction amount and the account balance;

[0058] Step S402: determining a third account for paying the difference through an account selection interface;

[0059] Step S403: in the case that the account balance of the third account is greater than the difference, executing the transaction request according to the account balance of the third account and the account balance of the first account.

[0060] Through the above process, in the case that the transaction amount meets the daily transaction quota, but the account balance is insufficient, the third account selected by the user can be selected to pay the balance, that is, on the basis of deducting the entire balance of the first account, the other accounts are combined to pay. Without the user planning to consume according to the balance, that is, purchasing agricultural products according to the amount of the balance, the user experience is greatly improved. However, in the case that the daily transaction quota is exceeded, the transaction cannot be performed, which can include: sending a second prompt message to the first user to prompt the first user to re-enter the transaction amount according to the daily transaction quota. Exemplarily, the second prompt message is, for example: "Hello user, the remaining daily transaction quota is xxx, the current transaction amount exceeds the remaining daily transaction quota, please re-enter".

[0061] The account quota in the first account is determined by the first user in the account opening process. In an optional embodiment, as shown in Figure 5 , it includes:

[0062] Step S501: receiving an account opening request of a first user; the account opening request includes an account opening quota;

[0063] Step S502: generating a first account corresponding to the first user according to the account opening request, and storing a transaction amount corresponding to the account opening quota into the first account.

[0064] By storing the transaction funds corresponding to the quota into the opened first account, the transaction of this part of the transaction funds is limited to the targeted second account, realizing the directional delivery of the transaction. It should be noted that the first account can be a bank card account, or a sub-account in the bank card account, for example, there are multiple sub-accounts in the same bank card account, such as pension account, loan account, and debit card account. Generally, only the loan account in the bank card account needs to be restricted, and the use of the debit card account has no effect.

[0065] In actual application, the transaction period of the first account also needs to be determined in the account opening process, which can be understood as the loan period. In the case that the loan period is valid, the funds in the loan account can be normally transacted, and after the valid period is exceeded, the transaction of the funds will be restricted. Therefore, in an optional embodiment, before step S103, as shown in Figure 6 , it further includes:

[0066] Step S601: determining whether the transaction period of the first account is valid;

[0067] Step S602: in the case that the transaction period is valid, determining whether the second account is a directional account;

[0068] Step S603: In the case of expiration of the transaction period, the transaction request is rejected, and the first user is sent a first prompt message to prompt the first user to send a request for extension of the first account.

[0069] Through the above process, the transaction can be limited according to the transaction period, and the first account of the payer is also limited, ensuring the effectiveness and security of the transaction funds, and the setting of the transaction period facilitates the management of transaction amounts at different times. In the case of multiple loans, the circulation of each loan can be limited to prevent the situation of fund confusion.

[0070] In addition, after step S102, in the case where the directional transaction function is not turned on, the first account and the second account can be executed according to the transaction period corresponding to the first account, the account balance, and the transaction amount. That is, for the first account that does not turn on the directional transaction function, the payee of the transaction is not limited, the transaction amount satisfies the account balance, and the transaction period satisfies the transaction period, and the transaction can be performed. The present application does not limit this.

[0071] According to the directional transaction method of the embodiment of the present application, it can be seen that whether the directional transaction function needs to be turned on is determined according to the product type of the first account corresponding to the first user, and different transaction restrictions for different types of products can be realized. In the case where the directional transaction function is turned on, whether the second account is a directional account is verified, and only in the case where the second account is a directional account, the transaction can be performed, realizing that the first account can only transact with the second account in the directional account, that is, directional transaction between the first account and the second account.

[0072] Figure 7 is a schematic diagram of the main modules of the directional transaction device according to the embodiment of the present application.

[0073] As shown in Figure 7 , the directional transaction device 700 of the embodiment of the present application comprises:

[0074] The acquisition module 701 is configured to acquire a transaction request in response to a code scanning operation of a first user. The transaction request indicates a first account corresponding to the first user, a product type corresponding to the first account, a second account corresponding to the code scanning operation, and a transaction amount.

[0075] The determination module 702 is configured to determine whether the first account turns on a directional transaction function according to the product type. In the case where the directional transaction function is turned on, it is determined whether the second account is a directional account.

[0076] The transaction module 703 is configured to, if yes, respond to the transaction request according to the transaction amount to realize transaction between the first account and the second account.

[0077] In an optional embodiment of the present application, the transaction request further indicates a product code corresponding to the first account; the transaction module 703 is further configured to determine a daily transaction quota and an account balance of the first account according to the product code; and in the case that the transaction amount meets the daily transaction quota and is not greater than the account balance, respond to the transaction request according to the transaction amount.

[0078] In an optional embodiment of the present application, the transaction module 703 is further configured to, in the case that the transaction amount meets the daily transaction quota but the transaction amount is greater than the account balance, determine a difference between the transaction amount and the account balance; determine a third account used for paying the difference through an account selection interface; and in the case that an account balance of the third account is greater than the difference, execute the transaction request according to the account balance of the third account and the account balance of the first account.

[0079] In an optional embodiment of the present application, the acquisition module 701 is further configured to receive an account opening request of a first user; the account opening request includes an account opening quota; generate a first account corresponding to the first user according to the account opening request, and store a transaction amount corresponding to the account opening quota into the first account.

[0080] In an optional embodiment of the present application, the acquisition module 701 is further configured to determine a transaction deadline of the first account; and the determination module 702 is further configured to, before determining whether the second account is a directional account, determine whether the transaction deadline of the first account is valid; and in the case that the transaction deadline is valid, determine whether the second account is a directional account.

[0081] In an optional embodiment of the present application, the transaction module 703 is further configured to, in the case that the transaction deadline is invalid, reject the transaction request and send a first prompt information to the first user to prompt the first user to send a deadline extension request for the first account.

[0082] In an optional embodiment of the present application, the transaction module 703 is further configured to, in the case that the transaction amount does not meet the daily transaction quota, send a second prompt information to the first user to prompt the first user to re-input a transaction amount according to the daily transaction quota.

[0083] In an optional embodiment of the present application, the determination module 702 is further configured to acquire a preset directional account list; match the second account with the directional account list, and if the matching is successful, determine that the second account is a directional account; otherwise, the second account is a non-directional account.

[0084] In an optional embodiment of the present application, the transaction module 703 is further configured to, in the case that the second account is a non-directional account, reject the transaction request and send third prompt information to the first user to prompt the first user that the current payment account is a non-payment access account and the transaction cannot be completed.

[0085] In an optional embodiment of the present application, the transaction module 703 is further configured to, in the case that the directional transaction function is not enabled, execute the transaction request on the first account and the second account according to the transaction period, the account balance of the first account, and the transaction amount.

[0086] In an optional embodiment of the present application, the device is applied to the transaction scenario of farmer loans.

[0087] According to the directional transaction device of the embodiments of the present application, it can be seen that whether the directional transaction function needs to be enabled is determined according to the product type of the first account corresponding to the first user, and different transaction restrictions for different types of products can be realized. In the case that the directional transaction function is enabled, it is verified whether the second account is a directional account, and the transaction can be performed only in the case that the second account is a directional account, so that the first account can only perform the transaction with the second account in the directional account, that is, the directional transaction between the first account and the second account.

[0088] Figure 8 An exemplary system architecture 800 to which the directional transaction method or the directional transaction device of the embodiments of the present application can be applied is shown.

[0089] As shown in Figure 8 The system architecture 800 can include terminal devices 801, 802, 803, a network 804, and a server 805. The network 804 is used to provide a medium for communication links between the terminal devices 801, 802, 803 and the server 805. The network 804 can include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0090] Users can use the terminal devices 801, 802, 803 to interact with the server 805 through the network 804 to receive or send data, etc. Various communication client applications can be installed on the terminal devices 801, 802, 803, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc.

[0091] The terminal devices 801, 802, 803 can be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers, etc.

[0092] The server 805 can be a server providing various services, such as a background management server providing support for a two-dimensional code scanned by a user using the terminal device 801, 802, 803. The background management server can analyze and process data such as received two-dimensional code information, and feed back the processing result (e.g. transaction result) to the terminal device.

[0093] It should be noted that the method for targeted transaction provided by the embodiment of the present application is generally executed by the server 805, and correspondingly, the device for targeted transaction is generally arranged in the server 805.

[0094] It should be understood that, Figure 8 The number of terminal devices, networks and servers in the above-mentioned system is only illustrative. Any number of terminal devices, networks and servers can be provided according to the needs of implementation.

[0095] Reference will be made to Figure 9 which shows a structural schematic diagram of a computer system 900 suitable for implementing the terminal device of the embodiment of the present application. Figure 9 The terminal device shown is only an example, and should not impose any limitation on the function and use range of the embodiment of the present application.

[0096] As shown in Figure 9 , the computer system 900 includes a central processing unit (CPU) 901, which can perform various appropriate actions and processes according to programs stored in a read-only memory (ROM) 902 or programs loaded from a storage portion 908 into a random access memory (RAM) 903. Various programs and data required for the operation of the system 900 are also stored in the RAM 903. The CPU 901, the ROM 902 and the RAM 903 are connected to each other through a bus 904. An input / output (I / O) interface 905 is also connected to the bus 904.

[0097] The following components are connected to the I / O interface 905: an input portion 906 including a keyboard, a mouse, etc.; an output portion 907 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 908 including a hard disk, etc.; and a communication portion 909 including a network interface card such as a LAN card, a modem, etc. The communication portion 909 performs communication processing via a network such as the Internet. A drive 910 is also connected to the I / O interface 905 as needed. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 910 as needed, so that a computer program read therefrom is installed in the storage portion 908 as needed.

[0098] In particular, the processes described above with reference to the flow charts can be implemented as a computer software program in accordance with the embodiments disclosed herein. For example, embodiments disclosed herein include a computer program product which includes a computer program tangibly embodied on a computer readable medium, the computer program including program code for executing the methods illustrated by the flow charts. In such embodiments, the computer program can be downloaded and installed from a network via the communication portion 909 and / or installed from the removable media 911. When the computer program is executed by the central processing unit (CPU) 901, the above-described functions defined in the system of the present application are executed.

[0099] It should be noted that the computer readable medium shown in the present application can be a computer readable signal medium or a computer readable storage medium or any combination of the two. The computer readable storage medium may, for example, but is not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or apparatus, or any combination of the above. More specific examples of the computer readable storage medium can include, but are not limited to, an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, the computer readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device or apparatus. In the present application, the computer readable signal medium can include a data signal carried in a baseband or as a carrier wave in a propagated data signal, in which the computer readable program code is carried. Such a propagated data signal can take many forms, including but not limited to an electromagnetic signal, an optical signal or any suitable combination of the above. The computer readable signal medium can also be any computer readable medium that can send, propagate or transfer a program for use by or in connection with an instruction execution system, device or apparatus. The program code contained on the computer readable medium can be transmitted using any suitable medium, including but not limited to wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0100] The computer program product of the present application can be a computer program embodied on a computer readable medium. The computer program product can be stored in the memory 130 and executed by the processor 120 under the control of the operating system. The computer program product can include a first program element for obtaining a transaction request in response to a scanning operation of a first user, the transaction request indicating a first account corresponding to the first user, a product type corresponding to the first account, a second account corresponding to the scanning operation, and a transaction amount; a second program element for determining whether the first account opens a targeted transaction function according to the product type; a third program element for determining whether the second account is a targeted account in the case that the first account opens the targeted transaction function; and a fourth program element for responding to the transaction request to implement a transaction between the first account and the second account according to the transaction amount if the second account is a targeted account.

[0101] The modules described in the embodiments of the present application can be implemented by software or hardware. The modules described can be arranged in a processor, for example, a processor can be described as including an obtaining module, a determining module, and a transaction module. In some cases, the names of the modules do not constitute a limitation on the modules themselves, for example, the obtaining module can also be described as a module that obtains a transaction request in response to a scanning operation of a first user.

[0102] As another aspect, the present application also provides a computer readable medium, which can be included in the device described in the above embodiments, or can exist separately without being assembled into the device. The computer readable medium carries one or more programs, which, when executed by the device, cause the device to include: obtaining a transaction request in response to a scanning operation of a first user; the transaction request indicating a first account corresponding to the first user, a product type corresponding to the first account, a second account corresponding to the scanning operation, and a transaction amount; determining whether the first account opens a targeted transaction function according to the product type; in the case that the first account opens the targeted transaction function, determining whether the second account is a targeted account; and if so, responding to the transaction request according to the transaction amount to implement a transaction between the first account and the second account.

[0103] According to the technical scheme of the embodiment of the present application, whether the targeted transaction function needs to be started is judged according to the product type of the first account corresponding to the first user, so that different transaction limits for different types of products can be realized. In the case of starting the targeted transaction function, whether the second account is a targeted account is verified, and only in the case that the second account is a targeted account, the transaction can be carried out, so that the first account can only transact with the second account in the targeted account, that is, the targeted transaction between the first account and the second account is realized.

[0104] The above detailed description does not constitute a limitation on the protection scope of the present application. Those skilled in the art should understand that various modifications, combinations, sub-combinations and substitutions can occur depending on design requirements and other factors. Any modification, equivalent replacement and improvement within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

1. A method for targeted transactions, characterized in that, include: In response to the first user's QR code scanning action, obtain the transaction request; The transaction request indicates the first account corresponding to the first user, the product type corresponding to the first account, the second account corresponding to the scanning operation, and the transaction amount; Determine whether the first account has enabled the targeted transaction function based on the product type; If the targeted trading function is enabled, determine whether the second account is a targeted account; If so, respond to the transaction request based on the transaction amount to realize the transaction between the first account and the second account; The transaction request also indicated the product code corresponding to the first account; The step of responding to the transaction request based on the transaction amount includes: determining the daily transaction limit and account balance of the first account based on the product code; and responding to the transaction request based on the transaction amount if the transaction amount meets the daily transaction limit and is not greater than the account balance. If the transaction amount meets the daily transaction limit but is greater than the account balance, the method further includes: determining the difference between the transaction amount and the account balance; determining a third account to pay the difference through an account selection interface; and, if the account balance of the third account is greater than the difference, executing the transaction request based on the account balance of the third account and the account balance of the first account.

2. The method according to claim 1, characterized in that, Also includes: Receive an account opening request from the first user; the account opening request includes an account opening limit; A first account corresponding to the first user is generated based on the account opening request, and the transaction amount corresponding to the account opening limit is stored in the first account.

3. The method according to claim 2, characterized in that, Also includes: Determine the transaction period for the first account; Before determining whether the second account is a designated account, the method further includes: Determine whether the transaction period of the first account is valid; If the transaction period is valid, determine whether the second account is a designated account.

4. The method according to claim 3, characterized in that, Also includes: If the transaction expires, the transaction request is rejected, and a first notification message is sent to the first user to prompt the first user to send an extension request for the first account.

5. The method according to claim 1, characterized in that, If the transaction amount does not meet the daily transaction limit, the following is also included: A second prompt message is sent to the first user to prompt the first user to re-enter the transaction amount according to the daily transaction limit.

6. The method according to claim 1, characterized in that, Determining whether the second account is a designated account includes: Retrieve a pre-defined list of targeted accounts; The second account is matched with the list of targeted accounts. If a match is found, the second account is determined to be a targeted account; otherwise, the second account is a non-targeted account.

7. The method according to claim 6, characterized in that, In the case where the second account is a non-directed account, it also includes: The transaction request is rejected, and a third notification message is sent to the first user to inform the first user that the current payment account is not a payment access account and the transaction cannot be completed.

8. The method according to claim 1, characterized in that, Also includes: Without enabling the targeted transaction function, the transaction request is executed on the first account and the second account based on the transaction period, account balance, and transaction amount corresponding to the first account.

9. The method according to any one of claims 1-8, characterized in that, The method is applied to the transaction scenario of farmer loans.

10. A device for targeted trading, characterized in that, include: The acquisition module is used to acquire transaction requests in response to the first user's QR code scanning operation; The transaction request indicates the first account corresponding to the first user, the product type corresponding to the first account, the second account corresponding to the scanning operation, and the transaction amount; The determination module is used to determine whether the first account has enabled the targeted transaction function based on the product type; if the targeted transaction function is enabled, it determines whether the second account is a targeted account. The transaction module is used to respond to the transaction request based on the transaction amount if the transaction is true, so as to realize the transaction between the first account and the second account; The transaction request also indicates the product code corresponding to the first account; the transaction module is further configured to determine the daily transaction limit and account balance of the first account based on the product code; and respond to the transaction request based on the transaction amount if the transaction amount meets the daily transaction limit and is not greater than the account balance. The transaction module is further configured to, when the transaction amount meets the daily transaction limit but the transaction amount is greater than the account balance, determine the difference between the transaction amount and the account balance; determine a third account to pay the difference through an account selection interface; and, if the account balance of the third account is determined to be greater than the difference, execute the transaction request based on the account balance of the third account and the account balance of the first account.

11. An electronic device for targeted transactions, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-9.

12. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-9.

13. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-9.

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