Transaction processing method and apparatus

Abstract

Embodiments of the present specification provide a transaction processing method and device, wherein the transaction processing method comprises: after a transaction order is generated by a payment party and a payee in a transaction, performing fund freezing processing in a payment account according to a transaction amount of the transaction order; thereafter, after detecting a transaction confirmation instruction of the transaction order, calling an invoice application interface to apply for an electronic invoice of the transaction order, and after obtaining the electronic invoice returned by the interface call, performing identification processing on the electronic invoice to obtain invoice information, performing unfreezing processing on the frozen funds in the payment account, and finally performing transfer processing to the payee based on the invoice information.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a transaction processing method and apparatus. Background Technology

[0002] With the continuous development and promotion of the Internet, the application scope of online transactions based on the Internet is becoming wider and wider, gradually covering most users. In this case, various forms of transaction scenarios have emerged. In many scenarios, after the transaction is completed, electronic invoices can be applied for online, and further reimbursement can be processed based on the electronic invoices. However, as the transaction scenarios in actual applications become more and more diversified, higher demands are being placed on online transaction methods. Summary of the Invention

[0003] This specification provides one or more embodiments of a transaction processing method, including: obtaining the transaction amount of a transaction order between a payer and a payee, and freezing funds in a payment account according to the transaction amount. Upon detecting a transaction confirmation instruction for the transaction order, an invoice application interface is invoked to apply for an electronic invoice for the transaction order. The electronic invoice returned by the interface call is obtained, and the electronic invoice is identified to obtain invoice information. The frozen funds in the payment account are unfrozen, and a transfer is made to the payee based on the invoice information.

[0004] This specification provides one or more embodiments of another transaction processing method, including: after detecting a transaction confirmation instruction for a transaction order, calling an invoice application interface to apply for an electronic invoice for the transaction order; obtaining the electronic invoice returned by the interface call and performing identification processing on the electronic invoice to obtain invoice information; verifying whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order; if so, transferring funds to the merchant corresponding to the receiving account information contained in the invoice information.

[0005] This specification provides one or more embodiments of a transaction processing apparatus, including: a funds freezing module configured to obtain the transaction amount of a transaction order between a payer and a payee, and freeze funds in the payer's account according to the transaction amount; an electronic invoice application module configured to, upon detecting a transaction confirmation instruction for the transaction order, call an invoice application interface to apply for an electronic invoice for the transaction order; an electronic invoice recognition module configured to obtain the electronic invoice returned by the interface call, and perform recognition processing on the electronic invoice to obtain invoice information; and a transfer processing module configured to unfreeze the frozen funds in the payer's account and transfer funds to the payee based on the invoice information.

[0006] This specification provides one or more embodiments of another transaction processing apparatus, including: an electronic invoice application module, configured to, upon detecting a transaction confirmation instruction for a transaction order, call an invoice application interface to apply for an electronic invoice for the transaction order; an electronic invoice recognition module, configured to obtain the electronic invoice returned by the interface call and perform recognition processing on the electronic invoice to obtain invoice information; and an invoice amount verification module, configured to verify whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order; if so, to run a transfer processing module. The transfer processing module is configured to perform transfer processing to the merchant corresponding to the receiving account information contained in the invoice information.

[0007] This specification provides one or more embodiments of a transaction processing device, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: obtain the transaction amount of a transaction order between a payer and a payee, and freeze funds in a payment account according to the transaction amount; after detecting a transaction confirmation instruction for the transaction order, invoke an invoice application interface to apply for an electronic invoice for the transaction order; obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information; unfreeze the frozen funds in the payment account, and transfer funds to the payee based on the invoice information.

[0008] This specification provides one or more embodiments of another transaction processing device, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: upon detecting a transaction confirmation instruction for a transaction order, invoke an invoice application interface to apply for an electronic invoice for the transaction order; obtain the electronic invoice returned by the interface call and perform identification processing on the electronic invoice to obtain invoice information; verify whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order; if so, transfer funds to the merchant corresponding to the receiving account information contained in the invoice information.

[0009] This specification provides one or more embodiments of a storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: obtaining the transaction amount of a transaction order between a payer and a payee, and freezing funds in the payment account according to the transaction amount; upon detecting a transaction confirmation instruction for the transaction order, calling an invoice application interface to apply for an electronic invoice for the transaction order; obtaining the electronic invoice returned by the interface call, and performing identification processing on the electronic invoice to obtain invoice information; unfreezing the frozen funds in the payment account, and transferring funds to the payee based on the invoice information.

[0010] This specification provides one or more embodiments of another storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: After detecting a transaction confirmation instruction for a transaction order, an invoice application interface is invoked to apply for an electronic invoice for the transaction order. The electronic invoice returned by the interface call is obtained, and the electronic invoice is processed to obtain invoice information. The invoice amount contained in the invoice information is verified to match the transaction amount of the transaction order; if so, the funds are transferred to the merchant corresponding to the receiving account information contained in the invoice information. Attached Figure Description

[0011] To more clearly illustrate the technical solutions in one or more embodiments of this specification or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0012] Figure 1 A schematic diagram illustrating the implementation environment of a transaction processing method provided in one or more embodiments of this specification;

[0013] Figure 2 A flowchart illustrating a transaction processing method provided in one or more embodiments of this specification;

[0014] Figure 3 A flowchart illustrating a transaction processing method for a escrow transaction scenario, provided for one or more embodiments of this specification.

[0015] Figure 4 A flowchart illustrating another transaction processing method provided in one or more embodiments of this specification;

[0016] Figure 5A flowchart illustrating a transaction processing method for an expense reimbursement scenario, provided for one or more embodiments of this specification.

[0017] Figure 6 A schematic diagram of an embodiment of a transaction processing apparatus provided for one or more embodiments of this specification;

[0018] Figure 7 A schematic diagram of another embodiment of a transaction processing apparatus provided in one or more embodiments of this specification;

[0019] Figure 8 A schematic diagram of the structure of a transaction processing device provided in one or more embodiments of this specification;

[0020] Figure 9 This is a schematic diagram of another transaction processing device provided in one or more embodiments of this specification. Detailed Implementation

[0021] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0022] The transaction processing method provided in one or more embodiments of this specification can be applied to the implementation environment of online transactions. The implementation environment includes at least a transaction server 101 provided by the transaction platform for transaction processing, or at least a server for transaction services provided by the payment platform.

[0023] In addition, the implementation environment also includes the terminal equipment or trading equipment that the two parties rely on for online transactions. In terms of the flow of funds during the transaction, the implementation environment also includes the terminal equipment 102 of the payer and the terminal equipment 103 of the payee.

[0024] It should be noted that when the account operator of the receiving account and the trading platform are the same platform, the trading server 101 can be responsible for the freezing and unfreezing of funds in the payment account. In addition, when the account operator of the receiving account and the trading platform are different platforms, the implementation environment may also include the operation server 104 of the account operator of the receiving account, which is responsible for the freezing and unfreezing of funds in the payment account.

[0025] The transaction server 101 can be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform, used for transaction processing during the merchant's operation; the terminal device 102 of the payer and the terminal device 103 of the payee can be a smartphone, tablet, e-book reader, wearable device, device for information interaction based on AR (Augmented Reality) / VR (Virtual Reality), etc., and can also have an application or browser installed, so that online transactions can be carried out through the application or browser, or through subroutines within the application.

[0026] In this implementation environment, during the online transaction between the payer and payee through terminal devices 102 and 103, after a transaction order is generated, the funds in the payment account are frozen according to the transaction amount. After the payer confirms receipt through terminal device 102, an electronic invoice is applied for through an interface call, and the invoice information contained in the obtained electronic invoice is identified. Finally, after the funds in the payment account are unfrozen, the funds are transferred to the payee according to the invoice information. In this way, the electronic invoice drives the online transaction processing between the payer and payee.

[0027] One or more embodiments of a transaction processing method provided in this specification are as follows:

[0028] Reference Figure 2 The transaction processing method provided in this embodiment specifically includes steps S202 to S208.

[0029] Step S202: Obtain the transaction amount of the transaction order between the payer and the payee, and freeze the funds in the payment account according to the transaction amount.

[0030] In this embodiment, the payer and the payee refer to the two parties involved in the transaction. From the perspective of the flow of funds between the two parties involved in the transaction, the transaction process requires the transfer of transaction funds from one party to another. Here, the party that transfers the transaction funds is called the payer, and the party that receives the transaction funds is called the payee.

[0031] Specifically, the payer and payee can be institutional users or individual users. Based on this, the scenarios in which the payer and payee conduct transactions include: transactions between institutional users, transactions between individual users and institutional users, transactions between institutional users and individual users, and transactions between individual users.

[0032] In this embodiment, after the payer and payee conduct a transaction and generate a corresponding transaction order, an electronic invoice is issued for the transaction order to obtain the corresponding electronic invoice. Based on the electronic invoice, a corresponding transaction transfer is carried out between the payer and payee for the transaction order, thereby driving the flow of transaction funds between the payer and payee through the electronic invoice.

[0033] In this process, to reduce the probability of transaction transfer failure after the electronic invoice is issued, funds are frozen in the payment account according to the transaction amount of the transaction order before the electronic invoice is issued. This ensures that there are sufficient funds for the transaction transfer between the payer and the payee after the electronic invoice is issued.

[0034] In practice, the payment account targeted for the fund freezing process can be the payer's funds account. Based on this, during the process of freezing funds in the payment account according to the transaction amount, the corresponding funds can be frozen in the payer's funds account according to the transaction amount of the transaction order, which will be used as funds for subsequent transaction transfer to the payee after the electronic invoice is issued.

[0035] In addition, in actual transaction scenarios, there are also situations where the payee conducts transaction transfers through a credit account or a credit account. To address this, the funds in the payer's credit account or credit account can be frozen, allowing for transfers to the payee based on the frozen funds after the electronic invoice is issued. Specifically, in one optional implementation of this embodiment, freezing funds in the payment account according to the transaction amount includes: freezing the funds in the payer's credit account or credit account according to the transaction amount, that is, freezing the payer's credit account or credit account as the payment account.

[0036] In practical applications, in the process of processing transaction transfers between payers and payees based on electronic invoices—that is, in a transaction model where electronic invoices drive the flow of funds between payers and payees—to increase the probability of successful fund transfers after the issuance of electronic invoices, a guarantor can be introduced into the transaction scenario between the payer and payee. The guarantor guarantees the transaction between the payee and payee, specifically guaranteeing the transfer of funds from the payer to the payee for the transaction order. Thus, if the payer is unable to transfer funds to the payee, the guarantor can transfer funds to the payee based on the guarantor's guarantee, ensuring the successful execution of the transaction transfer after the issuance of the electronic invoice.

[0037] Specifically, in a transaction scenario involving both the payee and the payer, a guarantor is introduced to guarantee the transfer of funds from the payer to the payee for the transaction order. In one optional implementation of this embodiment, the funds are frozen in the payment account according to the transaction amount. This includes freezing the funds in the guarantor's fund account according to the transaction amount, that is, freezing the guarantor's fund account as the payment account.

[0038] Alternatively, in a transaction scenario involving both the payee and the payer, a guarantor can be introduced to guarantee the transfer of funds from the payer to the payee for the transaction order. In this case, the guarantor can first check whether the funds in the payer's account meet the conditions for subsequent transfer to the payee after the electronic invoice is issued. That is, check whether the amount of funds in the payer's account is greater than or equal to the transfer amount (the invoice amount of the electronic invoice).

[0039] If the amount of funds in the payer's funds account is greater than or equal to the transfer amount, the corresponding funds can be frozen in the payer's funds account according to the transaction amount of the transaction order, as funds to be transferred to the payee after the electronic invoice is issued.

[0040] If the amount of funds in the payer's account is less than the transfer amount, the funds can be frozen in the guarantor's account according to the transaction amount.

[0041] Furthermore, in the transaction scenario involving both the payee and the payer, a guarantor can be introduced to guarantee the transfer of funds from the payer to the payee in accordance with the transaction order. In the process of the guarantor guaranteeing the transaction order between the payer and the payee, a partial guarantee method can also be adopted. That is, the transaction transfer from the payer's funds account to the payee is made first. If the transaction transfer from the payer's funds account to the payee is insufficient, the guarantor shall bear the guarantee of the remaining part and the transaction transfer to the payee.

[0042] Specifically, in one optional implementation of this embodiment, freezing funds in the payment account according to the transaction amount includes: freezing funds in the payer's fund account according to a first sub-amount, and freezing funds in the guarantor's fund account according to a second sub-amount. That is, freezing funds in both the payer's fund account and the guarantor's fund account simultaneously as payment accounts.

[0043] Optionally, the transaction amount is equal to the sum of the first sub-amount and the second sub-amount; wherein the first sub-amount can be determined based on the balance of funds in the payer's fund account, and the second sub-amount can be obtained by subtracting the transaction amount from the first sub-amount.

[0044] It should be noted that the aforementioned authority to freeze funds in the receiving account can be obtained in advance before freezing funds in the receiving account. Optionally, the authority to freeze funds can be obtained after signing the transaction agreement with the payer and the payee. Furthermore, the authority to unfreeze the frozen funds in the payment account can also be obtained after signing the transaction agreement with the payer and the payee.

[0045] Furthermore, when a guarantor is introduced to guarantee the transfer of funds from the payer to the payee in accordance with the transaction order, the authority to freeze funds can be obtained after signing a guarantee transaction agreement with the payer, payee, and guarantor; furthermore, the authority to unfreeze the frozen funds in the payment account can also be obtained after signing the guarantee transaction agreement with the payer, payee, and guarantor.

[0046] Step S204: After detecting the transaction confirmation instruction of the transaction order, call the invoice application interface to apply for an electronic invoice for the transaction order.

[0047] The transaction confirmation instruction described in this embodiment can be submitted by the payer, such as a confirmation of receipt instruction submitted by the payee; or it can be submitted by the payee, such as a shipment confirmation instruction submitted by the payee.

[0048] In practice, after detecting the transaction confirmation instruction of the transaction order, the invoice application interface is called to apply for an electronic invoice for the transaction order. During the electronic invoice application process, the invoice application interface can be an access interface provided by the payee for applying for electronic invoices, or it can be an access interface provided by a third-party platform on which the payee has registered for applying for electronic invoices.

[0049] Specifically, when calling the invoice application interface to apply for an electronic invoice for a transaction order, the order information of the transaction order, the invoice application information of the payer and the payee (such as the electronic invoice header information) can be passed to the invoice application interface so that the electronic invoice for the transaction order can be issued on the corresponding invoice issuing platform and the electronic invoice for the transaction order can be returned.

[0050] Step S206: Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information.

[0051] After applying for an electronic invoice for a transaction order by calling the invoice application interface, the electronic invoice returned by the invoice application interface is obtained. The returned electronic invoice refers to the electronic invoice issued for the transaction order between the payer and the payee. After obtaining the electronic invoice of the transaction order returned by the invoice application interface, the electronic invoice is identified and processed to obtain invoice information. Based on the identified invoice information, the subsequent execution of transaction fund flow can be driven.

[0052] In one optional method provided in this embodiment, the electronic invoice is processed to obtain invoice information, including: character recognition of the electronic invoice, and extraction of payee account information from the obtained character information. The payee account information may consist of one or more of the following: payee name, taxpayer identification number, payee address and contact information, bank name, and account number.

[0053] For example, OCR (Optical Character Recognition) processing can be performed on electronic invoices for transaction orders to obtain all the character information recorded in the electronic invoices, and then the payee's account information can be extracted from the obtained character information.

[0054] In another optional approach provided in this embodiment, the electronic invoice is processed to obtain invoice information, including: performing text recognition on the text features in the electronic invoice, and extracting the receiving account information from the obtained text information.

[0055] In specific implementation, after identifying and processing the electronic invoices of the transaction order to obtain invoice information, in order to ensure the consistency between the transaction fund transfer driven by the electronic invoice and the electronic invoice, that is, to ensure that the electronic invoice and the transaction order can match, in an optional implementation of this embodiment, it is verified whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order. If yes, proceed to the next step, that is: perform the following step S208 to unfreeze the frozen funds in the payment account and transfer funds to the payee based on the invoice information; if no, generate an electronic invoice exception reminder and send it to the payer and / or payee to remind the payer and / or payee to verify and confirm the electronic invoice of the transaction order returned by the interface call.

[0056] Step S208: Unfreeze the frozen funds in the payment account and transfer the funds to the payee based on the invoice information.

[0057] The above-mentioned process involves freezing funds in the payment account before issuing the electronic invoice for the transaction order. Here, after obtaining the electronic invoice for the transaction order through an interface call, the frozen funds in the payment account are unfrozen, and the funds are transferred to the payee based on the invoice information.

[0058] Specifically, when the payment account subject to the aforementioned fund freeze is the payer's funds account, the process of unfreezing the frozen funds in the payment account includes unfreezing the frozen funds in the payer's funds account. Based on this, a transfer is made to the payee based on the invoice information, implemented using the following optional method provided in this embodiment: First, the payee account corresponding to the payee account information contained in the invoice information is determined, i.e., the payee's account recorded in the electronic invoice is used as the payee account for the transfer; then, the unfrozen funds in the payment account are transferred to the payee account.

[0059] In addition, regarding situations where the payee transfers funds through a credit account or credit account in actual transaction scenarios, in addition to freezing funds in the payer's credit account or credit account according to the transaction amount during the process of freezing funds in the payment account, this embodiment provides an optional implementation method that unfreezes the frozen funds in the payment account and transfers funds to the payee based on the invoice information, including:

[0060] Unfreeze the frozen funds in the credit account or the credit account;

[0061] According to the invoice amount contained in the invoice information, funds are transferred from the credit account or the credit account to the receiving account corresponding to the receiving account information contained in the invoice information.

[0062] As described above, in the transaction processing method where electronic invoices drive the flow of funds between payers and payees for a transaction order, that is, in a transaction model where electronic invoices drive the flow of funds between payers and payees, to increase the probability of successful fund transfer between payers and payees after the issuance of electronic invoices, this embodiment introduces a guarantor in the transaction scenario between payers and payees. Based on freezing funds in the guarantor's account according to the transaction amount, this embodiment provides an optional implementation method that unfreezes the frozen funds in the payment account and transfers funds to the payee based on the invoice information, including:

[0063] Unfreeze the frozen funds in the guarantor's capital account;

[0064] Based on the payment account information and receiving account information contained in the invoice information, determine the payment account corresponding to the payment account information and the receiving account corresponding to the receiving account information;

[0065] According to the invoice amount contained in the invoice information, funds are transferred from the payment account corresponding to the payment account information to the receiving account corresponding to the receiving account information.

[0066] Furthermore, after the operation of transferring funds from the payment account corresponding to the payment account information to the receiving account corresponding to the receiving account information is executed, if the fund transfer is successful, no further processing is required; if the fund transfer fails, the guarantor's fund account can be used for the escrow transaction transfer. In one optional implementation of this embodiment, the escrow transaction transfer through the guarantor's fund account is implemented in the following way: the unfrozen funds in the guarantor's fund account are transferred to the receiving account corresponding to the receiving account information, thereby ensuring that the transaction transfer after the electronic invoice is issued can be successfully executed.

[0067] In addition, funds can be directly transferred from the guarantor's fund account to the receiving account corresponding to the receiving account information; or, it can be checked whether the amount of funds in the payer's fund account is greater than or equal to the transfer amount (the invoice amount of the electronic invoice). If so, funds are transferred from the payer's fund account to the receiving account corresponding to the receiving account information according to the invoice amount; if not, funds are transferred from the guarantor's fund account to the receiving account corresponding to the receiving account information according to the invoice amount.

[0068] Furthermore, in the transaction scenario involving both the payee and the payer, a guarantor can be introduced to guarantee the transfer of funds from the payer to the payee in accordance with the transaction order. In the process of the guarantor guaranteeing the transaction order between the payer and the payee, a partial guarantee method can also be adopted. That is, the transaction transfer from the payer's funds account to the payee is made first. If the transaction transfer from the payer's funds account to the payee is insufficient, the guarantor shall bear the guarantee of the remaining part and the transaction transfer to the payee.

[0069] In response to this, based on the aforementioned freezing of funds in the payer's account according to the first sub-amount and freezing of funds in the guarantor's account according to the second sub-amount, this embodiment provides an optional implementation that unfreezes the frozen funds in the payment account and transfers the funds to the payee based on the invoice information, including:

[0070] Unfreeze the funds in the payer's and guarantor's accounts;

[0071] The first and second funds obtained from unfreezing the funds will be transferred to the receiving account corresponding to the receiving account information contained in the invoice information.

[0072] It should be noted that the above method of freezing funds in the payment account before issuing the electronic invoice for a transaction order and unfreezing the funds after the electronic invoice is issued ensures sufficient funds are available for the transaction transfer between the payer and payee after the electronic invoice is issued. Based on this, the corresponding transaction transfer between the payer and payee is then initiated from the electronic invoice for the transaction order. Alternatively, the transaction funds can be directly driven between the payer and payee through the electronic invoice without freezing and unfreezing the payment account. For example, if the transaction amount between the payer and payee is small, freezing and unfreezing the payment account is unnecessary. Similarly, if the payee has a good credit rating, freezing and unfreezing the payment account may also be unnecessary.

[0073] Specifically, after the operation of obtaining the transaction amount of the transaction order between the payer and the payee is executed, and before the operation of freezing funds in the payment account according to the transaction amount is executed, a detection process can be performed to determine whether to freeze and unfreeze funds in the payment account. In an optional implementation of this embodiment, the detection process is performed in the following manner:

[0074] The system checks whether the transaction amount of the transaction order is less than a preset threshold. If so, it proceeds to the next step, namely, freezing the funds in the payment account according to the transaction amount.

[0075] If not, the transaction transfer process between the payer and payee for the transaction order can be initiated based on the electronic invoice. Specifically, in one optional implementation of this embodiment, the transaction transfer between the payer and payee for the transaction order is implemented in the following way:

[0076] Upon detecting the transaction confirmation instruction, the invoice application interface is invoked to apply for an electronic invoice for the transaction order;

[0077] The system identifies and processes the electronic invoice returned by the API call to obtain the payee's account information, and then transfers funds to the payee's account according to the obtained payee's account information.

[0078] In another optional implementation method provided in this embodiment, the detection process is performed in the following manner:

[0079] The system checks whether the trust level obtained from the transaction trust rating based on the payer's transaction records is lower than the preset level. If so, it proceeds to the next step, namely: freezing funds in the payer's account according to the transaction amount.

[0080] If not, the transaction fund transfer between the payer and payee can be driven by electronic invoices. Specifically, in one optional implementation of this embodiment, the transaction fund transfer between the payer and payee driven by electronic invoices is implemented in the following way:

[0081] Upon detecting the transaction confirmation instruction, the invoice application interface is invoked to apply for an electronic invoice for the transaction order;

[0082] The system identifies and processes the electronic invoice returned by the API call to obtain the payee's account information, and then transfers funds to the payee's account according to the obtained payee's account information.

[0083] In summary, the one or more transaction processing methods provided in this embodiment, after the payer and payee generate a transaction order, freeze the funds in the payment account based on the transaction amount of the order. After the funds are frozen, and a transaction confirmation instruction is detected, the electronic invoice of the transaction order is obtained through an interface call. The payee's account information is obtained by recognizing and processing the electronic invoice. After obtaining the payee's account information for the transaction transfer to the payee, the funds in the payment account are first unfrozen. After the funds are unfrozen, the payee performs the transaction transfer based on the payee's account information. In this way, the corresponding transaction transfer between the payer and payee is carried out based on the electronic invoice, thereby realizing the flow of transaction funds between the payer and payee through electronic invoices, which helps to improve the transaction success rate between the payer and payee.

[0084] Furthermore, by introducing a guarantor into the transaction scenario between the payee and the payer, the guarantor guarantees the transaction between the two parties. Specifically, the guarantor guarantees the transfer of funds from the payer to the payee in response to the transaction order. Thus, in the event that the payer is unable to transfer funds to the payee, the guarantor can transfer funds to the payee based on the guarantor's guarantee of the transaction. This ensures that the transaction transfer to the payee after the electronic invoice is issued can be successfully executed, thereby increasing the probability of successful fund transfer between the payer and the payee after the electronic invoice is issued.

[0085] The following example uses a transaction processing method provided in this embodiment to illustrate its application in a escrow transaction scenario. Figure 3 The transaction processing method provided in this embodiment will be further explained below. See [link to documentation]. Figure 3The transaction processing method applied to escrow transaction scenarios includes the following steps.

[0086] Step S302: Obtain the transaction amount of the transaction order between the shopping mall and the manufacturer.

[0087] Step S304: Detect whether the transaction amount of the transaction order is less than a preset threshold;

[0088] If so, proceed with steps S306 to S316 below;

[0089] If not, no action is needed. Alternatively, perform the following steps:

[0090] After detecting the mall's confirmation of receipt instruction, the invoice application interface is called to apply for an electronic invoice for the transaction order;

[0091] The system identifies and processes the electronic invoices returned by the API call to obtain the payment account information, and then transfers funds to the manufacturer's account according to the obtained payment account information.

[0092] The step of detecting whether the transaction amount of a transaction order is less than a preset threshold provided here can also be replaced by detecting whether the trust level obtained by the transaction trust rating based on the transaction records of the first institution is lower than the preset level.

[0093] Step S306: Freeze funds in the guarantor's fund account for the transaction order according to the transaction amount.

[0094] Step S308: After the mall confirms receipt, the invoice application interface is called to apply for an electronic invoice for the transaction order.

[0095] Step S310: Perform OCR processing on the electronic invoice returned by the interface call to obtain the invoice amount, the shopping mall's payment account information, and the manufacturer's receiving account information.

[0096] Step S312: Unfreeze the frozen funds in the guarantor's fund account.

[0097] Step S314: Transfer funds from the payment account corresponding to the payment account information to the receiving account corresponding to the receiving account information according to the invoice amount.

[0098] Step S316: If the fund transfer fails, the unfrozen funds in the guarantor's fund account will be transferred to the receiving account corresponding to the receiving account information.

[0099] One or more embodiments of another transaction processing method provided in this specification are as follows:

[0100] Step S402: After detecting the transaction confirmation instruction of the transaction order, call the invoice application interface to apply for an electronic invoice for the transaction order.

[0101] The transaction order mentioned in this embodiment refers to a transaction order generated during the transaction process between two parties. The scenarios in which the two parties participate in the transaction include: a user-merchant transaction scenario, a merchant-user transaction scenario, a merchant-merchant transaction scenario, and a user-user transaction scenario. This embodiment uses a user-merchant transaction scenario as an example to illustrate the transaction process between the two parties.

[0102] Optionally, the transaction order is created after an institutional member initiates a transaction with the merchant based on the institutional payment identifier. The institutional payment identifier refers to an identification code provided by the institution to its members for conducting transactions in the name of the institution. For example, when a company employee makes purchases for the company, they pay for the order by displaying the company's payment code. Alternatively, the transaction order can also be created after an institutional member initiates a transaction with the merchant based on a reimbursement code, where the reimbursement code refers to an identification code configured by the institution for its members to conduct transaction payments and reimbursements.

[0103] Based on this, in practice, when employees of an organization transact with merchants, they often need to claim reimbursements for transactions made using the organization's payment identifier or reimbursement code. To address this, employees can submit reimbursement requests. The transaction processing method provided in this embodiment is used to process these requests. In one optional implementation of this embodiment, before calling the invoice application interface to apply for an electronic invoice for the transaction order, the reimbursement request submitted by the organization member for the transaction order is obtained.

[0104] The transaction confirmation instruction described in this embodiment can be submitted by the user, such as a confirmation of receipt instruction submitted by the user; or it can be submitted by the merchant, such as a shipment confirmation instruction submitted by the merchant.

[0105] In practice, after detecting the transaction confirmation instruction of the transaction order, the invoice application interface is called to apply for an electronic invoice for the transaction order. During the electronic invoice application process, the invoice application interface can be an access interface provided by the merchant for applying for electronic invoices, or it can be an access interface provided by the third-party platform on which the merchant has joined for applying for electronic invoices.

[0106] Specifically, when calling the invoice application interface to apply for an electronic invoice for a transaction order, the order information of the transaction order, the invoice application information of the user and the merchant (such as the electronic invoice header information) can be passed to the invoice application interface so that the electronic invoice for the transaction order can be issued on the corresponding invoice issuing platform and the electronic invoice for the transaction order can be returned.

[0107] Step S404: Obtain the electronic invoice returned by the interface call, and perform recognition processing on the electronic invoice to obtain invoice information.

[0108] After applying for an electronic invoice for a transaction order by calling the invoice application interface, the electronic invoice returned by the invoice application interface is obtained. The electronic invoice returned here refers to the electronic invoice issued for the transaction order between the user and the merchant. After obtaining the electronic invoice of the transaction order returned by the invoice application interface, the electronic invoice is identified and processed to obtain invoice information. Based on the identified invoice information, the subsequent execution of transaction fund flow can be driven.

[0109] In one optional method provided in this embodiment, the electronic invoice is processed to obtain invoice information, including: character recognition of the electronic invoice, and extraction of payee account information from the obtained character information. The payee account information may consist of one or more of the following: payee name, taxpayer identification number, payee address and contact information, bank name, and account number.

[0110] For example, OCR (Optical Character Recognition) processing can be performed on electronic invoices for transaction orders to obtain all the character information recorded in the electronic invoices, and then the payee's account information can be extracted from the obtained character information.

[0111] In another optional approach provided in this embodiment, the electronic invoice is processed to obtain invoice information, including: performing text recognition on the text features in the electronic invoice, and extracting the receiving account information from the obtained text information.

[0112] Step S406: Verify whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order.

[0113] In practice, after identifying and processing the electronic invoices of the transaction order to obtain the invoice information, in order to ensure the consistency between the transaction fund transfer between users and merchants driven by electronic invoices and the electronic invoices, that is, to ensure that the electronic invoices and transaction orders can be matched, it is necessary to verify whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order.

[0114] If so, perform the following step S408: transfer funds to the merchant corresponding to the receiving account information according to the receiving account information contained in the invoice information;

[0115] If not, a transaction anomaly alert can be generated and sent to the institution, reminding the institution to verify and confirm the electronic invoice of the transaction order returned by the interface call; alternatively, the transaction order can be transferred based on the institution member's fund account, specifically implemented using the following optional method: transfer funds from the institution member's fund account to the merchant's fund account according to the invoice amount.

[0116] Furthermore, if the invoice amount contained in the invoice information does not match the transaction amount of the transaction order, the transaction order can also be transferred by making advance payments based on the institutional member's capital account. Specifically, in one optional implementation method provided in this embodiment, the transaction order transfer is carried out by making advance payments based on the institutional member's capital account in the following manner:

[0117] The funds will be frozen in the institutional member's capital account according to the invoice amount.

[0118] After the electronic invoice and the transaction order have been verified for reimbursement, the frozen funds in the funds account will be unfrozen.

[0119] Funds will be transferred from the stated invoice amount to the merchant's funds account.

[0120] Step S408: Transfer funds to the merchant corresponding to the receiving account information contained in the invoice information.

[0121] As described above, when a transaction order is created after an institutional member initiates a transaction with a merchant based on the institutional payment identifier or reimbursement code, during the process of transferring funds to the merchant for the transaction order, funds can be transferred from the institutional account of the institutional member's organization to the merchant's fund account. This improves the efficiency of fund transfer in the reimbursement scenario for institutional members. Specifically, in one optional implementation of this embodiment, the transfer process is carried out according to the receiving account information contained in the invoice information to the merchant corresponding to the receiving account information, including: transferring funds from the institutional account of the organization to the fund account of the merchant according to the invoice amount.

[0122] Furthermore, in actual transaction scenarios, there are also situations where transactions are transferred through credit accounts or credit accounts. To address this, and in order to improve the efficiency of fund transfers in reimbursement scenarios for institutional members, this embodiment provides another optional implementation method, which involves transferring funds to the merchant corresponding to the receiving account information contained in the invoice information, including:

[0123] The available credit limit of the institution's credit account or credit account is deducted according to the invoice amount, and the funds corresponding to the deducted amount are transferred to the merchant's funds account.

[0124] The funds corresponding to the deduction limit of the credit account or the credit account shall be settled and repaid by the institution according to a preset period.

[0125] It should be noted that, in order to increase the probability of successful transaction fund transfer between institutional members and merchants after the issuance of electronic invoices, funds can be frozen in the institutional account according to the transaction amount after the transaction confirmation instruction of the transaction order is detected, and before the electronic invoice application for the transaction order is called through the invoice application interface.

[0126] Accordingly, if the verification result after confirming whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order is yes, before transferring funds to the merchant corresponding to the receiving account information contained in the invoice information, the frozen funds in the institutional account can be unfrozen, and after the unfreezing process is completed, the process of transferring funds to the merchant corresponding to the receiving account information contained in the invoice information will be executed.

[0127] The following example uses a transaction processing method provided in this embodiment to illustrate its application in an expense reimbursement scenario. Figure 5 The transaction processing method provided in this embodiment will be further explained below. See [link to documentation]. Figure 5 The transaction processing method applied to reimbursement scenarios includes the following steps.

[0128] Step S502: Obtain the reimbursement applications submitted by the organization's members for the transaction orders.

[0129] The transaction order is created after an institutional member initiates a transaction with a merchant based on the institutional payment identifier.

[0130] Step S504: After detecting the transaction confirmation instruction of the transaction order, call the invoice application interface to apply for an electronic invoice for the transaction order.

[0131] Step S506: Perform OCR processing on the electronic invoice returned by the interface call to obtain the invoice amount, the institution's payment account information, and the merchant's receiving account information.

[0132] Step S508: Verify whether the invoice amount matches the transaction amount of the transaction order;

[0133] If so, proceed to step S510;

[0134] If not, funds will be transferred from the institutional member's institutional account to the merchant's funds account according to the invoice amount.

[0135] Step S510: Transfer funds from the institution's payment account information to the merchant's receiving account information according to the invoice amount.

[0136] The following is an embodiment of a transaction processing device provided in this specification:

[0137] In the above embodiments, a transaction processing method is provided, and correspondingly, a transaction processing apparatus is also provided, which will be described below with reference to the accompanying drawings.

[0138] Reference Figure 6 The diagram illustrates an embodiment of a transaction processing apparatus provided in this embodiment.

[0139] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0140] This embodiment provides a transaction processing apparatus, including:

[0141] The funds freezing processing module 602 is configured to obtain the transaction amount of the transaction order between the payer and the payee, and freeze the funds in the payment account according to the transaction amount.

[0142] The electronic invoice application module 604 is configured to call the invoice application interface to apply for an electronic invoice for the transaction order after detecting the transaction confirmation instruction of the transaction order;

[0143] The electronic invoice recognition module 606 is configured to obtain the electronic invoice returned by the interface call and to perform recognition processing on the electronic invoice to obtain invoice information;

[0144] The transfer processing module 608 is configured to unfreeze the frozen funds in the payment account and transfer funds to the payee based on the invoice information.

[0145] Another embodiment of the transaction processing device provided in this specification is as follows:

[0146] In the above embodiments, another transaction processing method is provided, and correspondingly, another transaction processing apparatus is also provided, which will be described below with reference to the accompanying drawings.

[0147] Reference Figure 7 The diagram illustrates an embodiment of a transaction processing apparatus provided in this embodiment.

[0148] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0149] This embodiment provides a transaction processing apparatus, including:

[0150] The electronic invoice application module 702 is configured to call the invoice application interface to apply for an electronic invoice for the transaction order after detecting a transaction confirmation instruction for the transaction order;

[0151] The electronic invoice recognition module 704 is configured to obtain the electronic invoice returned by the interface call and to perform recognition processing on the electronic invoice to obtain invoice information;

[0152] The invoice amount verification module 706 is configured to verify whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order. If so, the transfer processing module 708 is run.

[0153] The transfer processing module 708 is configured to transfer funds to the merchant corresponding to the receiving account information according to the receiving account information contained in the invoice information.

[0154] The following is an embodiment of a transaction processing device provided in this specification:

[0155] Corresponding to the transaction processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a transaction processing device for executing the transaction processing method provided above. Figure 8 This is a schematic diagram of the structure of a transaction processing device provided for one or more embodiments of this specification.

[0156] This embodiment provides a transaction processing device, including:

[0157] like Figure 8As shown, transaction processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 801 and memory 802, with memory 802 storing one or more application programs or data. Memory 802 can be temporary or persistent storage. The application programs stored in memory 802 may include one or more modules (not shown), each module including a series of computer-executable instructions from the transaction processing device. Furthermore, processor 801 may be configured to communicate with memory 802, executing the series of computer-executable instructions stored in memory 802 on the transaction processing device. The transaction processing device may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input / output interfaces 805, one or more keyboards 806, etc.

[0158] In one specific embodiment, the transaction processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the transaction processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0159] Obtain the transaction amount of the transaction order between the payer and the payee, and freeze the funds in the payment account according to the transaction amount;

[0160] After detecting the transaction confirmation instruction of the transaction order, the invoice application interface is called to apply for an electronic invoice for the transaction order;

[0161] Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information;

[0162] The frozen funds in the payment account are unfrozen, and the funds are transferred to the payee based on the invoice information.

[0163] Another embodiment of the transaction processing device provided in this specification is as follows:

[0164] Corresponding to the other transaction processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another transaction processing apparatus for executing the other transaction processing method provided above. Figure 9 This is a schematic diagram of another transaction processing device provided in one or more embodiments of this specification.

[0165] This embodiment provides a transaction processing device, including:

[0166] like Figure 9 As shown, transaction processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 901 and memory 902, with memory 902 storing one or more application programs or data. Memory 902 can be temporary or persistent storage. The application programs stored in memory 902 may include one or more modules (not shown), each module including a series of computer-executable instructions from the transaction processing device. Furthermore, processor 901 may be configured to communicate with memory 902, executing the series of computer-executable instructions stored in memory 902 on the transaction processing device. The transaction processing device may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input / output interfaces 905, one or more keyboards 906, etc.

[0167] In one specific embodiment, the transaction processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the transaction processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0168] After detecting the transaction confirmation instruction for the transaction order, the invoice application interface is invoked to apply for an electronic invoice for the transaction order;

[0169] Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information;

[0170] Verify whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order;

[0171] If so, transfer funds to the merchant corresponding to the receiving account information contained in the invoice information.

[0172] This specification provides an example of a storage medium as follows:

[0173] Corresponding to the transaction processing method described above, and based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0174] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0175] Obtain the transaction amount of the transaction order between the payer and the payee, and freeze the funds in the payment account according to the transaction amount;

[0176] After detecting the transaction confirmation instruction of the transaction order, the invoice application interface is called to apply for an electronic invoice for the transaction order;

[0177] Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information;

[0178] The frozen funds in the payment account are unfrozen, and the funds are transferred to the payee based on the invoice information.

[0179] It should be noted that the embodiments of a storage medium and the embodiments of a transaction processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0180] Another embodiment of the storage medium provided in this specification is as follows:

[0181] Corresponding to the other transaction processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another storage medium.

[0182] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0183] After detecting the transaction confirmation instruction for the transaction order, the invoice application interface is invoked to apply for an electronic invoice for the transaction order;

[0184] Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information;

[0185] Verify whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order;

[0186] If so, transfer funds to the merchant corresponding to the receiving account information contained in the invoice information.

[0187] It should be noted that the embodiments of another storage medium in this specification and the embodiments of another transaction processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0188] The various embodiments in this specification are described in a progressive manner. For the same or similar parts between the various embodiments, please refer to each other. Each embodiment focuses on describing the differences from other embodiments. For example, the device embodiment, equipment embodiment, and storage medium embodiment are all similar to the method embodiment, so the description is relatively simple. For reading the relevant content of the device embodiment, equipment embodiment, and storage medium embodiment, please refer to the description of the method embodiment.

[0189] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0190] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using a hardware physical module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0191] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0192] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0193] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0194] Those skilled in the art will understand that one or more embodiments of this specification can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0195] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a machine for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0196] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0197] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0198] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0199] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0200] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0201] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0202] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0203] The above description is merely an embodiment of this document and is not intended to limit the scope of this document. Various modifications and variations can be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. A transaction processing method applied to a transaction server, the method comprising: Obtain the transaction amount of the transaction order between the payer and the payee, and freeze the funds in the payer's credit account or credit account according to the transaction amount; After detecting the transaction confirmation instruction submitted by the payee for the transaction order, the invoice application interface is called to apply for an electronic invoice for the transaction order; Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information containing the invoice amount and the receiving account information; The frozen funds in the credit account or credit account are unfrozen according to the invoice amount. The account of the payee recorded in the payee account information is used as the payee account. Funds are transferred from the credit account or credit account to the payee account according to the invoice amount.

2. In the transaction processing method according to claim 1, the authority to freeze funds and the authority to unfreeze funds are obtained after signing the transaction agreement with the payer and the payee.

3. The transaction processing method according to claim 1, after the step of obtaining the electronic invoice returned by the interface call and identifying and processing the electronic invoice to include invoice information such as invoice amount and payee account information, and before the step of unfreezing the frozen funds of the credit account or the credit account according to the invoice amount, using the payee's account recorded in the payee account information as the payee account, and transferring funds from the credit account or the credit account to the payee account according to the invoice amount, further includes: Verify whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order. If yes, proceed to the next step.

4. The transaction processing method according to claim 1, after obtaining the transaction amount of the transaction order between the payer and the payee, and before executing the operation of freezing the funds in the payer's credit account or credit account according to the transaction amount, further includes: Check if the transaction amount of the transaction order is less than a preset threshold; if so, proceed to the next step. or, Check whether the trust level obtained by the transaction trust rating based on the payer's transaction records is lower than the preset level. If so, proceed to the next step.

5. The transaction processing method according to claim 4, if the execution result after the operation of detecting whether the transaction amount of the transaction order is less than a preset threshold is negative, or if the execution result after the operation of detecting whether the trust level obtained by the transaction trust rating based on the payment party's transaction record is lower than a preset level is negative, the following operation is performed: Upon detecting the transaction confirmation instruction, the invoice application interface is invoked to apply for an electronic invoice for the transaction order; The system identifies and processes the electronic invoice returned by the API call to obtain the payee's account information, and then transfers funds to the payee's account according to the obtained payee's account information.

6. The transaction processing method according to claim 1, wherein the step of identifying and processing the electronic invoice to obtain invoice information includes: The electronic invoice is subjected to character recognition, and the receiving account information is extracted from the recognized character information; or, Text recognition is performed on the text features in the electronic invoice, and the receiving account information is extracted from the recognized text information.

7. A transaction processing method applied to a transaction server, the method comprising: After detecting the transaction confirmation instruction submitted by the merchant for the transaction order, the invoice application interface provided by the merchant is called to apply for an electronic invoice for the transaction order; Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information containing the invoice amount and the receiving account information; Verify whether the invoice amount matches the transaction amount of the transaction order; If so, the available credit limit of the institution's credit account or credit account will be deducted according to the invoice amount, and the funds corresponding to the deducted amount will be transferred to the merchant's funds account.

8. The transaction processing method according to claim 7, wherein the transaction order is created after an institutional member of the institution initiates a transaction with the merchant based on the institutional payment identifier; Before executing the electronic invoice application step for the transaction order by calling the invoice application interface after detecting the transaction confirmation instruction, the process further includes: Obtain the reimbursement applications submitted by the organization's members for the transaction order.

9. The transaction processing method according to claim 7, wherein the step of deducting the available credit limit from the institution's credit account or credit account according to the invoice amount, and transferring the funds corresponding to the deducted credit limit to the merchant's funds account, comprises: Funds will be transferred from the institution's institutional account to the merchant's funds account according to the invoice amount.

10. The transaction processing method according to claim 7, wherein the step of deducting the available credit limit from the institution's credit account or credit account according to the invoice amount, and transferring the funds corresponding to the deducted credit limit to the merchant's funds account, comprises: The available credit limit of the institution's credit account or credit account is deducted according to the invoice amount, and the funds corresponding to the deducted amount are transferred to the merchant's funds account. The funds corresponding to the deduction limit of the credit account or the credit account shall be settled and repaid by the institution according to a preset period.

11. The transaction processing method according to claim 7, if the execution result after the step of verifying whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order is negative, the following operation is performed: Funds are transferred from the institutional member's fund account to the merchant's fund account according to the invoice amount.

12. The transaction processing method according to claim 7, if the execution result after the step of verifying whether the invoice amount contained in the invoice information matches the transaction amount of the transaction order is negative, the following operation is performed: Funds will be frozen in the institutional members' cash accounts according to the stated invoice amount; After the electronic invoice and the transaction order have been verified for reimbursement, the frozen funds in the funds account will be unfrozen. Funds will be transferred from the stated invoice amount to the merchant's funds account.

13. A transaction processing apparatus, operating on a transaction server, the apparatus comprising: The funds freezing module is configured to obtain the transaction amount of the transaction order between the payer and the payee, and freeze the funds in the payer's credit account or credit account according to the transaction amount. The electronic invoice application module is configured to, upon detecting a transaction confirmation instruction from the payee for the transaction order, call the invoice application interface provided by the payee to apply for an electronic invoice for the transaction order. The electronic invoice recognition module is configured to obtain electronic invoices returned by interface calls and to perform recognition processing on the electronic invoices to obtain invoice information including invoice amount and receiving account information; The transfer processing module is configured to unfreeze the frozen funds in the credit account or the credit account according to the invoice amount, use the payee's account recorded in the payee account information as the payee account, and transfer funds from the credit account or the credit account to the payee account according to the invoice amount.

14. A transaction processing apparatus, operating on a transaction server, the apparatus comprising: The electronic invoice application module is configured to call the invoice application interface provided by the merchant to apply for an electronic invoice for the transaction order after detecting the transaction confirmation instruction submitted by the merchant for the transaction order; The electronic invoice recognition module is configured to obtain electronic invoices returned by interface calls and to perform recognition processing on the electronic invoices to obtain invoice information including invoice amount and receiving account information; The invoice amount verification module is configured to verify whether the invoice amount matches the transaction amount of the transaction order. If so, the transfer processing module is run. The transfer processing module is configured to deduct the available credit limit of the institution's credit account or credit account according to the invoice amount, and transfer the funds corresponding to the deducted credit limit to the merchant's funds account.

15. A transaction processing device, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: Obtain the transaction amount of the transaction order between the payer and the payee, and freeze the funds in the payer's credit account or credit account according to the transaction amount; After detecting the transaction confirmation instruction from the payee for the transaction order, the system calls the invoice application interface provided by the payee to apply for an electronic invoice for the transaction order. Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information containing the invoice amount and the receiving account information; The frozen funds in the credit account or credit account are unfrozen according to the invoice amount. The account of the payee recorded in the payee account information is used as the payee account. Funds are transferred from the credit account or credit account to the payee account according to the invoice amount.

16. A transaction processing device, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: After detecting the transaction confirmation instruction submitted by the merchant for the transaction order, the invoice application interface provided by the merchant is called to apply for an electronic invoice for the transaction order; Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information containing the invoice amount and the receiving account information; Verify whether the invoice amount matches the transaction amount of the transaction order; If so, the available credit limit of the institution's credit account or credit account will be deducted according to the invoice amount, and the funds corresponding to the deducted amount will be transferred to the merchant's funds account.

17. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: Obtain the transaction amount of the transaction order between the payer and the payee, and freeze the funds in the payer's credit account or credit account according to the transaction amount; After detecting the transaction confirmation instruction from the payee for the transaction order, the system calls the invoice application interface provided by the payee to apply for an electronic invoice for the transaction order. Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information containing the invoice amount and the receiving account information; The frozen funds in the credit account or credit account are unfrozen according to the invoice amount. The account of the payee recorded in the payee account information is used as the payee account. Funds are transferred from the credit account or credit account to the payee account according to the invoice amount.

18. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: After detecting the merchant's transaction confirmation instruction for the transaction order, the system calls the invoice application interface provided by the merchant to apply for an electronic invoice for the transaction order. Obtain the electronic invoice returned by the interface call, and perform identification processing on the electronic invoice to obtain invoice information containing the invoice amount and the receiving account information; Verify whether the invoice amount matches the transaction amount of the transaction order; If so, the available credit limit of the institution's credit account or credit account will be deducted according to the invoice amount, and the funds corresponding to the deducted amount will be transferred to the merchant's funds account.

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