Transaction data processing method, apparatus, device, and storage medium

Abstract

Embodiments of the present application disclose a transaction data processing method, device and equipment, and a storage medium, wherein the method comprises: in response to a target object's transaction operation on a target product in a transaction platform, displaying transaction order data generated according to the transaction operation in a transaction interface of the transaction platform; determining a payment platform used for performing payment processing on the transaction order data; obtaining a transaction account of the target object in the transaction platform, and determining an open payment account of the target object in the payment platform according to the transaction account; calling a target payment component embedded in the transaction platform, and performing payment processing on the transaction order data according to the open payment account and the transaction account in the transaction interface of the transaction platform; and the target payment component is adapted to the payment platform. The present application can improve the efficiency of payment processing and reduce the complexity of payment processing.

Description

Technical Field

[0001] This application relates to the field of Internet technology, and in particular to a transaction data processing method, apparatus, device and storage medium. Background Technology

[0002] With the rapid development of mobile internet, online shopping has been widely used in various fields such as food, clothing, medical care, and electronic products. Here, online shopping refers to users placing orders for products on a trading platform and paying for the virtual goods through a mobile payment platform. In practice, it has been found that the payment process requires the user to be redirected from the trading platform to the mobile payment platform to complete the payment operation. This process is complex and inefficient. Summary of the Invention

[0003] This application provides a transaction data processing method, apparatus, device, and storage medium, which can improve the efficiency of payment processing and reduce the complexity of payment processing.

[0004] One embodiment of this application provides a transaction data processing method, including:

[0005] In response to a transaction operation by a target object targeting a target product on a trading platform, transaction order data generated based on the transaction operation is displayed on the trading interface of the trading platform.

[0006] Identify the payment platform to perform payment processing on the transaction order data;

[0007] Obtain the transaction account of the target object in the transaction platform, and determine the open payment account of the target object in the payment platform based on the transaction account;

[0008] The target payment component embedded in the transaction platform is invoked, and payment processing is performed on the transaction order data in the transaction interface of the transaction platform based on the open payment account and the transaction account; the target payment component is compatible with the payment platform.

[0009] One embodiment of this application provides a transaction data processing apparatus, including:

[0010] The display module is used to respond to the transaction operation of the target object for the target product in the trading platform and to display the transaction order data generated according to the transaction operation in the trading interface of the trading platform.

[0011] The determination module is used to determine the payment platform used to perform payment processing on the transaction order data; obtain the transaction account of the target object in the transaction platform, and determine the open payment account of the target object in the payment platform based on the transaction account;

[0012] The processing module is used to call the target payment component embedded in the transaction platform, and perform payment processing on the transaction order data according to the open payment account and the transaction account in the transaction interface of the transaction platform; the target payment component is compatible with the payment platform.

[0013] One embodiment of this application provides a computer-readable storage medium storing a computer program, the computer program including program instructions, which, when executed by a processor, perform the following steps:

[0014] In response to a transaction operation by a target object targeting a target product on a trading platform, transaction order data generated based on the transaction operation is displayed on the trading interface of the trading platform.

[0015] Identify the payment platform to perform payment processing on the transaction order data;

[0016] Obtain the transaction account of the target object in the transaction platform, and determine the open payment account of the target object in the payment platform based on the transaction account;

[0017] The target payment component embedded in the transaction platform is invoked, and payment processing is performed on the transaction order data in the transaction interface of the transaction platform based on the open payment account and the transaction account; the target payment component is compatible with the payment platform.

[0018] One embodiment of this application provides a computer program product, including a computer program / instructions, which, when executed by a processor, performs the following steps:

[0019] In response to a transaction operation by a target object targeting a target product on a trading platform, transaction order data generated based on the transaction operation is displayed on the trading interface of the trading platform.

[0020] Identify the payment platform to perform payment processing on the transaction order data;

[0021] Obtain the transaction account of the target object in the transaction platform, and determine the open payment account of the target object in the payment platform based on the transaction account;

[0022] The target payment component embedded in the transaction platform is invoked, and payment processing is performed on the transaction order data in the transaction interface of the transaction platform based on the open payment account and the transaction account; the target payment component is compatible with the payment platform.

[0023] In this application, when a target object performs a transaction operation on a target item in a trading platform, the computer device, in response to the target object's transaction operation on the trading platform, displays the transaction order data generated based on the transaction operation in the trading interface of the trading platform, determines the payment platform used to perform payment processing on the transaction order data, obtains the target object's transaction account in the trading platform, and determines the target object's open payment account in the payment platform based on the transaction account. The target payment component embedded in the trading platform is invoked, and payment processing is performed on the transaction order data in the trading interface of the trading platform based on the open payment account and the transaction account. In other words, during the payment processing of transaction order data, the payment processing of transaction order data can be completed by invoking the target payment component embedded in the trading platform, without needing to start the payment platform, thus improving the efficiency and convenience of payment processing and saving terminal resources. Simultaneously, by performing payment processing on the transaction order data based on the open payment account and the transaction account, it is not necessary to send the target object's private payment account in the payment platform to the trading platform, thereby improving the security of payment processing. Attached Figure Description

[0024] To more clearly illustrate the technical solutions in the embodiments of this application 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 of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0025] Figure 1 This is a schematic diagram of the architecture of a transaction data processing system provided in this application;

[0026] Figure 2 This is a schematic diagram of the interaction scenario between various devices in a transaction data processing system provided in this application;

[0027] Figure 3 This is a schematic diagram of the interaction scenario between various devices in a transaction data processing system provided in this application;

[0028] Figure 4 This is a flowchart illustrating a transaction data processing method provided in this application;

[0029] Figure 5This application provides an intention regarding the relationship between a development payment account, a transaction account, and a private payment account;

[0030] Figure 6 This is a flowchart illustrating a transaction data processing method provided in this application;

[0031] Figure 7 This is a flowchart illustrating a transaction data processing method provided in this application;

[0032] Figure 8 This is a flowchart illustrating a transaction data processing method provided in this application;

[0033] Figure 9 This is a schematic diagram of the structure of a transaction data processing device provided in an embodiment of this application;

[0034] Figure 10 This is a schematic diagram of the structure of a computer device provided in an embodiment of this application. Detailed Implementation

[0035] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0036] To facilitate a clearer understanding of this application, the transaction data processing system that implements the transaction data processing method of this application is first introduced, such as... Figure 1 As shown, the transaction data processing system includes a transaction service device 10, a payment service device 11, and a terminal cluster. The terminal cluster may include one or more terminals. This application does not limit the number of terminals. Figure 1 As shown, the terminal cluster specifically includes terminals 100a, 100b, 100c, ..., 100n, etc. It can be understood that each terminal is network-connected to the transaction service device 10 so that each terminal can interact with the transaction server 10 via the network connection. The transaction service device 10 is network-connected to the payment service device 11 so that data can be interacted between the two devices. Optionally, each terminal is network-connected to the payment service device 11 so that each terminal can interact with the payment server 11 via the network connection.

[0037] The terminals in the terminal cluster can be equipped with a transaction platform. This transaction platform is used to execute product transactions and can refer to transaction applications (shopping applications, social applications), transaction mini-programs, public accounts, web pages, etc. The transaction platform embeds one or more payment components adapted to the payment platform. These payment components are software development kits (SDKs) used to perform payment processing within the transaction platform, and they are lightweight and plug-and-play. The compatibility of the payment component with the payment platform means that the payment component has some or all of the functionality of the payment platform, and that the payment component is compatible with the payment platform. This payment platform can refer to payment applications, payment mini-programs, etc.

[0038] Optionally, the transaction platform may embed payment components from multiple payment platforms. For example, the transaction platform may embed payment component 1 adapted to payment platform 1 and payment component 2 adapted to payment component 2. In this way, users can choose the payment component in the transaction platform to perform payment processing according to their needs or preferences, which is equivalent to being able to flexibly choose different payment platforms to perform payment processing.

[0039] Optionally, the trading platform may embed multiple payment components adapted to the same payment platform. These components have different payment processing capabilities, allowing the terminal to adaptively select the appropriate payment component based on the product's transaction attributes, thus improving payment processing flexibility and meeting diverse user payment needs. Here, "products" can refer to clothing, electronic products, game products (such as game equipment, game skins, and game currency), food, or services, etc. Services may include consulting services, course services, recruitment services, etc. Transaction attributes include price change rate, unit price, transaction validity period, number of tradable products, product type, etc. For example, the trading platform may embed payment components a, b, c, etc., adapted to payment platform 3. Payment component a has higher payment processing efficiency, payment component b has higher payment processing security, and payment component c has higher stability. If the virtual item refers to a product with a relatively rapid price change rate, the terminal can choose payment component a to execute the product-related transaction order data, improving payment processing efficiency and avoiding losses to users due to price changes. If the product is a product with a relatively high unit price, payment component b can be used to execute the product-related transaction order data, which can improve the security of payment processing. If the product type has a relatively cumbersome payment processing process, payment component c can be used to execute the product-related transaction order data, thus avoiding payment processing failures due to anomalies and improving the success rate of payment processing.

[0040] Figure 1The transaction service device 10 is a back-end service device used to provide transaction services to the transaction platform. For example, the transaction service device can be used to update and maintain the transaction platform, as well as to verify the legality of transaction operations. Figure 1 The payment service device 11 can be a back-end service device used to provide payment services to the payment platform. For example, the payment service device 11 can be used to verify the legality of the transaction platform and the operation object corresponding to the transaction operation, and to perform payment processing, etc.

[0041] Optionally, transaction service device 10 and payment service device 11 can both refer to a single physical server, a server cluster or distributed system consisting of at least two physical servers, or cloud servers providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, Content Delivery Network (CDN), and big data and artificial intelligence platforms. The terminals in the aforementioned terminal cluster can refer to in-vehicle terminals, smartphones, tablets, laptops, desktop computers, smart speakers, speakers with screens, smartwatches, etc., but are not limited to these.

[0042] Figure 1 The transaction data processing system can be used in application scenarios such as food, clothing, medical care, electronic products, and games. Figure 2 and Figure 3 Taking game application scenarios as an example, for Figure 1 This section describes the interaction scenarios between various devices in a transaction data processing system. In a game application scenario, the transaction platform can refer to the game application itself, while the payment platform is the platform used to provide payment services for the game application. Figure 2 and Figure 3 The transaction service equipment 20 in the text can refer to Figure 1 Transaction service equipment 10 in the middle, Figure 2 and Figure 3 The payment service device 21 in the text can refer to Figure 1 Payment service device 21 in the middle, Figure 2 and Figure 3 Terminal 20a in the text can refer to Figure 1 Any terminal in the terminal cluster.

[0043] like Figure 2In this context, when a target user needs to purchase a target product within a game application, this target product can be one or more of the following: game currency, game equipment, game clothing, game skins, etc. The target user can place an order to purchase the target product within the game application. Correspondingly, the target user's terminal 20a can respond to the target user's transaction operation regarding the target product within the game application. The transaction interface 20b of the game application displays the transaction order data generated based on this transaction operation. This transaction order data may include the transaction time, product information of the target product (such as name and purpose), transaction amount, transaction order number, and recipient information (i.e., the user or merchant providing the target product), etc. The transaction interface 20b also includes a confirmation option for the transaction order data. If the terminal 20a detects a touch operation on this confirmation option, indicating that the target user has confirmed the accuracy of the transaction order data, the game application's transaction interface 20c can be displayed. The transaction interface 20c includes the payment methods supported by the game application, order number, transaction amount, and authentication and payment options. Figure 2 As shown, the payment modes supported by the game application include payment platform 1 and prepayment mode. Payment platform 1 includes two payment methods: bank 1 and bank 2. The target audience can choose the corresponding payment mode to perform payment processing on the transaction order data according to their needs or preferences.

[0044] Assuming the target user selects payment platform 1 to process transaction order data, if a touch operation targeting the authentication and payment option is detected, and it is detected that this is the target user's first time using payment platform 1 to process payment within the game application, then real-name authentication of the target user is required. Specifically, terminal 20a can jump from the game application's transaction interface 20c to the real-name authentication interface 20d of payment platform 1. Real-name authentication interface 20d includes options for inputting object information, authorization confirmation, etc. The object information input options include personal information input options such as name. The target user can input their object information in real-name authentication interface 20d. The authorization confirmation option is used by the target user to confirm whether they allow terminal 20a to obtain their object information and whether they allow terminal 20a to use this object information for payment processing. If the terminal obtains the target user's object information and detects a touch operation targeting the authorization confirmation option, terminal 20a can generate a permission granting request carrying the target user's object information and the game application's platform information, and send this permission granting request to the payment service device. The target object's information may include its transaction account, number of transactions, and personal information within the game application. The game application's platform information includes its creation time, creator, active online users, and average online time per user. When the payment service device receives this permission request, it can verify the legitimacy of the game application and the target object based on the request.

[0045] Specifically, the payment service device can refer to a node device in the blockchain network corresponding to payment platform 1. Each node device can generate a first dynamic factor based on platform information, and group the node devices in the blockchain network according to the first dynamic factor to obtain a first grouping result. A first valid group is determined based on the first grouping result, and the node devices in the first valid group verify the legitimacy of the target object based on the object information of the target object. For example, each node device can accumulate the values ​​corresponding to various platform information of the game application to obtain a first dynamic factor. Node devices in the blockchain network whose node numbers are integer multiples (or common divisors) of the first dynamic factor are grouped into the same group to obtain the first group, and node devices whose node numbers are not integer multiples of the first dynamic factor are grouped into the same group to obtain the second group. That is, the first grouping result includes the first group and the second group. Each node device can determine the first group or the second group as the first valid group, and the node devices in the first valid group verify the legitimacy of the target object based on the object information of the target object. Specifically, the node devices in the first valid group can verify whether the number of transactions of the target object exceeds the transaction number threshold, whether the transaction amount exceeds the transaction amount threshold, whether the target object's transaction account is correct, and whether the transaction time is within the valid time period, etc. If the node devices in the first valid group determine that the target object's transaction number does not exceed the transaction number threshold, the transaction amount does not exceed the transaction amount threshold, the target object's transaction account is correct, and the transaction time is within the valid time period, etc., one or more of the above conditions are met, then the target object is determined to be legitimate. If the node devices in the first valid group determine that the target object's transaction number exceeds the transaction number threshold, the transaction amount exceeds the transaction amount threshold, the target object's transaction account is incorrect, and the transaction time is outside the valid time period, one or more of the above conditions are met, then the target object is determined to be illegitimate.

[0046] Similarly, each node device can generate a second dynamic factor based on the object information of the target object. Based on this second dynamic factor, the node devices in the blockchain network are grouped to obtain a second grouping result. A second valid group is then determined based on this second grouping result. The node devices in the second valid group verify the legitimacy of the trading platform (i.e., the game application) based on the platform information of the trading platform. For example, each node device can accumulate the values ​​corresponding to various object information of the target object to obtain a second dynamic factor. Node devices whose node numbers are integer multiples (or common divisors) of the second dynamic factor are grouped into the same group to obtain a third group. Node devices whose node numbers are not integer multiples (or common divisors) of the second dynamic factor are grouped into the same group to obtain a fourth group. That is, the second grouping result includes the third and fourth groups. Each node device can determine the third or fourth group as the second valid group, and the node devices in the second valid group verify the legitimacy of the game application based on the platform information of the game application. Specifically, the node devices in the second valid group can verify whether the number of active online users of the game application is greater than the number threshold, whether the average online time per user is greater than the duration threshold, and whether the time interval between the creation time and the current time is greater than the time interval threshold. If one or more of the above conditions are met, the game application is deemed legitimate. If one or more of the above conditions are met, the game application is deemed illegitimate. The node devices in the first valid group are different from those in the second valid group. This allows the first and second valid groups to verify the legitimacy of the game application and the target object in parallel, improving the efficiency of legitimacy verification. Simultaneously, the first valid group used to verify the legitimacy of the target object is dynamically determined based on the game application's platform information. This avoids associating the first valid group with the target object, which could affect the accuracy of the target object's legitimacy verification, thus improving the accuracy of the target object's legitimacy verification. Similarly, the second valid group used to verify the legitimacy of the game application is dynamically determined based on the target object's object information. This avoids associating the second valid group with the game application, which could affect the accuracy of the game application's legitimacy verification, thus improving the accuracy of the game application's legitimacy verification.

[0047] When payment service device 21 determines that both the game application and the target object are legitimate, it can generate an open payment account for the target object on payment platform 1 and associate this open payment account with the target object's transaction account in the game application. Further, payment service device 21 can send this open payment account to transaction service device 20. Upon receiving the open payment account, transaction service device 20 can associate and store the open payment account with the transaction account. This open payment account is associated with the target object's private payment account on payment platform 1. The open payment account searches for the target object's private payment account on the payment platform and performs payment processing on the transaction order data based on the electronic resources in the private payment account. The open payment account is used for scenarios where payment platform 1 processes transaction order data related to the game application, while the private payment account is used for scenarios where payment platform 1 processes transaction order data related to payment platform 1. In other words, the payment service device generates different open payment accounts for different transaction platforms. This facilitates the orderly management of payment processing events on different transaction platforms and avoids exposing the private payment account to the transaction platform (i.e., the game application), thus improving the security of payment processing.

[0048] like Figure 3 As shown, after the transaction service device 20 receives the open payment account, it can send the open payment account to the terminal 20a. The terminal 20a can display the real-name authentication result (i.e., successful authentication) and the "Continue Payment" option in the authentication result interface 2e of the payment application. If the terminal 20a detects a touch operation on the "Continue Payment" option, or if it detects a touch operation on the "Authenticate and Pay" option, and detects that the target object is not using the payment platform 1 for payment processing in the game application for the first time, the terminal 20a can call the payment component in the game application, obtain the target object's payment method in the payment platform 1 from the payment service device 21, and display the payment method in the transaction interface 20f of the game application. Figure 3The target object's payment methods on payment platform 1 include Bank 1 and Bank 2. The target object can choose either Bank 1 or Bank 2 to process the transaction order data. Assuming the target object chooses Bank 1, terminal 20a can call the payment component to obtain the payment password entered by the target object for Bank 1 in the game application's transaction interface 20f. The payment component can encapsulate the payment password and transaction order data to obtain a payment data packet, which is then sent to payment service device 21. Upon receiving the payment data packet, the payment service device can parse it to obtain the payment password and transaction order data. Based on the open payment account, it can query the target object's private payment account on the payment platform to verify whether the payment password is associated with the private payment account. If the payment password is associated with the private payment account, it indicates that the payment password is incorrect, and a payment processing result of payment failure is generated; if the payment password is associated with the private payment account, it indicates that the payment password is correct, and the electronic resources of the target value are transferred from the private payment account to the payee's account, completing the payment processing of the transaction order data, and generating a payment processing result indicating successful payment processing; the target value is the same as the transaction amount.

[0049] like Figure 3 In the process, after the payment service device completes the payment processing of the transaction order data, it can generate a payment processing result and send the payment processing result to the terminal 20a. The terminal 20a calls the payment component and displays the payment processing result in the transaction interface 20g of the game application. The payment processing result indicates that the payment processing of the transaction order data was successful. The transaction interface 20g also includes the payee information, the payee store name: xxx game application, and the payee account name: Xiao Li.

[0050] As can be seen, in the process of executing transaction order data using payment platform 1 in the game application, it is not necessary to jump from the transaction interface of the game application to payment platform 1. In other words, in the process of processing the payment of transaction order data, the payment of transaction order data can be completed by calling the payment component embedded in the game application, without having to start the payment platform. This improves the efficiency and convenience of payment processing and saves terminal resources.

[0051] Further, please see Figure 4 This is a flowchart illustrating a transaction data processing method provided in an embodiment of this application. Figure 4 As shown, this method can be derived from... Figure 1 It can be executed by any terminal in the terminal cluster, or by... Figure 1The transaction data processing method is executed by a transaction service device, and the device used to execute this transaction data processing method in this application can be collectively referred to as a computer device. The transaction data processing method may include the following steps S101 to S104:

[0052] S101. In response to a transaction operation by the target object for a target product in the trading platform, the transaction order data generated according to the transaction operation is displayed in the trading interface of the trading platform.

[0053] In this application, the transaction interface of the trading platform displays multiple candidate products for trading. These candidate products can include food, clothing, medical devices, electronic products, game products, and services, etc. The target object corresponding to the computer device can perform a transaction operation on any product in the transaction interface. Accordingly, in response to the target object's transaction operation on the target product in the trading platform, the computer device displays the transaction order data generated based on the transaction operation in the transaction interface of the trading platform. The transaction order data may include the transaction time, product information of the target product (such as name and purpose), transaction amount, transaction order number, and recipient information (i.e., information of the merchant providing the target product), etc.

[0054] S102. Determine the payment platform used to perform payment processing on the transaction order data.

[0055] The computer device can display multiple candidate payment platforms for performing payment processing in the transaction platform, and select the candidate payment platform chosen by the target object as the payment platform for performing payment processing on the transaction order data; or, the computer device can determine the payment platform preset in the transaction platform as the payment platform for performing payment processing on the transaction order data.

[0056] Optionally, the transaction platform contains multiple candidate payment platforms for performing payment processing. The determination of the payment platform for performing payment processing on the transaction order data includes: displaying a list of payment platforms for performing payment processing on the transaction order data in the transaction interface of the transaction platform; the payment platform list includes at least one candidate payment platform; and in response to a selection operation on a candidate payment platform in the payment list, determining the selected candidate payment platform as the payment platform for performing payment processing on the transaction order data.

[0057] The computer device can display a list of payment platforms for processing transaction order data on the transaction interface of the trading platform. This list includes at least one candidate payment platform. These candidate payment platforms are those with payment processing qualifications. For example, a candidate payment platform may meet one or more of the following conditions: security level greater than a security threshold, efficiency level greater than an efficiency threshold, and stability level greater than a stability threshold. The payment processing performance of a candidate payment platform can be determined based on its historical payment processing logs. Furthermore, the target user can select any candidate payment platform from the list to process the transaction order data. Correspondingly, the computer device can, in response to the selection operation of a candidate payment platform in the list, determine the selected candidate payment platform as the payment platform for processing the transaction order data. The target user can select a payment platform according to their needs or preferences, thereby improving the security of payment processing.

[0058] S103. Obtain the transaction account of the target object in the transaction platform, and determine the open payment account of the target object in the payment platform based on the transaction account.

[0059] The computer device can obtain the target object's transaction account on the trading platform. This transaction account can refer to the account used to log in to the trading platform, specifically the target object's nickname, name, ID, etc. Furthermore, it can query the target object's open payment account on the payment platform from the trading service device based on this transaction account. This open payment account is associated with a private payment account on the payment platform and is used by the target object to perform payment processing on the trading platform. Different trading platforms may have different corresponding open payment accounts, or they may have the same open payment account across different trading platforms.

[0060] For example, when different trading platforms have different payment accounts available, such as Figure 5As shown, the target entity has a private payment account on the payment platform and can use the payment platform to perform payment processing on trading platforms A, B, C, and D. Therefore, trading platforms A, B, C, and D can be referred to as the cooperating platforms of the delivery platform. When the target entity uses the payment platform for payment processing on trading platform A, the corresponding payment account is open payment account 1; when the target entity uses the payment platform for payment processing on trading platform B, the corresponding payment account is open payment account 2; when the target entity uses the payment platform for payment processing on trading platform C, the corresponding payment account is open payment account 3; and when the target entity uses the payment platform for payment processing on trading platform D, the corresponding payment account is open payment account 4. The target's trading accounts on trading platforms A, B, C, and D are id1, id2, id3, and id4, respectively. id1 is associated with open payment account 1, id2 with open payment account 2, id3 with open payment account 3, and id4 with open payment account 4. Furthermore, open payment accounts 1, 2, 3, and 4 are all associated with private payment accounts. By assigning different open payment accounts to different trading platforms, information isolation between different trading platforms and between trading platforms and payment platforms can be achieved, thereby improving the target's information security.

[0061] Optionally, the computer device can generate a permission request for the target object to use the payment platform for payment processing on the transaction platform; the permission request carries object information of the target object and platform information of the transaction platform; the permission request is sent to the payment service device corresponding to the payment platform, the permission request instructing the payment service device to generate an open payment account for the target object on the payment platform when it determines that the target object is legitimate based on the object information carried in the permission request and that the transaction platform is legitimate based on the platform information carried in the permission request, and to associate and store the open payment account with the transaction account of the target object on the transaction platform, and to send the open payment account to the transaction service device; the open payment account instructs the transaction service device to associate and store the open payment account with the transaction account of the target object on the transaction platform.

[0062] Specifically, when a target user uses the payment platform for the first time to execute a payment transaction, the computer device needs to authenticate both the platform and the target user. First, the computer device obtains the platform information of the transaction platform and the target user's information, generates an authorization request carrying both platform and target user information, and sends this request to the payment service device. The platform information may include one or more of the following: private key signature, platform creation time, creator, active online users, average online time per user, etc. The target user's information includes their transaction account, number of transactions, and personal information on the platform. Upon receiving the authorization request, the payment service device parses it to obtain the target user's information and the platform information of the transaction platform. It verifies the target user's legitimacy based on the target user's information and verifies the transaction platform's legitimacy based on the platform information. When both the target user and the transaction platform are deemed legitimate, the payment service device generates an open payment account for the target user on the transaction platform. This open payment account is associated with the target user's private payment account on the transaction platform, and the open payment account and transaction account are stored together. Furthermore, the open payment account is sent to the transaction service device, which then associates and stores the open payment account with the transaction account.

[0063] Specifically, the payment service device can refer to a node device in the blockchain network of the payment application. This node device can dynamically select the node device used to verify the legitimacy of the target object and the transaction platform. Specifically, the process for verifying the legitimacy of the transaction platform can be referred to the above. Figure 2 The process for verifying the legitimacy of game applications and the process for verifying the legitimacy of target objects can be referenced above. Figure 2 The process of verifying the legitimacy of the target object is repeated and will not be described again.

[0064] Optionally, determining the target object's open payment account in the payment platform based on the transaction account includes: querying the open payment account associated with the transaction account in the transaction service device corresponding to the transaction platform, and using it as the target object's open payment account in the payment platform.

[0065] Once the payment service device completes the authentication of the target object and the transaction platform, the computer device can query the open payment account associated with the transaction account in the transaction service device corresponding to the transaction platform, which serves as the open payment account of the target object in the payment platform.

[0066] S104. Invoke the target payment component embedded in the transaction platform, and perform payment processing on the transaction order data in the transaction interface of the transaction platform according to the open payment account and the transaction account; the target payment component is compatible with the payment platform.

[0067] Computer devices can call the target payment component embedded in the transaction platform. In the transaction interface of the transaction platform, the target payment component performs payment processing on the transaction order data according to the open payment account and the transaction account. The target payment component is compatible with the payment platform, that is, the target payment component recognizes the data sent by the payment platform and has some of the functions of the payment platform, such as payment interface display and payment password acquisition function.

[0068] Optionally, a target payment component embedded in the transaction platform is invoked to perform payment processing on the transaction order data in the transaction interface of the transaction platform based on the open payment account and the transaction account. This includes: generating a payment request carrying the open payment account and the transaction account; sending the payment request to the payment service device corresponding to the payment platform; the payment request instructing the payment service device to generate a payment link when it determines that the open payment account and the transaction account are associated; receiving the payment link sent by the payment service device; invoking the target payment component embedded in the transaction platform; and performing payment processing on the transaction order data in the transaction interface of the transaction platform based on the payment link.

[0069] The computer device can generate a payment request carrying an open payment account and a transaction account, and send this request to the payment service device corresponding to the payment platform. Upon receiving the payment request, the payment service device verifies whether the transaction account and the open payment account are associated. If the transaction account is confirmed to be associated with the open payment account, indicating the target object is authentic, it can generate a payment link carrying the payment platform's private key signature, buyer and seller information, transaction amount, etc., and return this payment link to the computer device. After receiving the payment link, the computer device invokes the target payment component embedded in the transaction platform. Within the transaction platform's transaction interface, it executes payment processing for the transaction order data based on the payment link. The payment processing of the transaction order data is completed within the transaction platform, without requiring a redirect to the payment platform, thus improving payment processing efficiency.

[0070] Optionally, the step of invoking the target payment component embedded in the transaction platform and performing payment processing on the transaction order data according to the payment link in the transaction interface of the transaction platform includes: invoking the target payment component to display the payment link in the transaction interface of the transaction platform; responding to a touch operation on the payment link, invoking the target payment component to obtain a list of candidate payment methods for the target object in the payment platform from the payment service device; invoking the target payment component to display the list of candidate payment methods in the transaction interface of the transaction platform; and invoking the target payment component to perform payment processing on the transaction order data according to the list of candidate payment methods displayed in the transaction interface.

[0071] The computer device can invoke the target payment component to display the payment link on the transaction interface of the trading platform. If a touch operation is detected on the payment link, it indicates that the target object has confirmed the execution of payment processing for the order transaction data. The computer device can respond to the touch operation on the payment link by invoking the target payment component according to the payment link, and obtaining the list of candidate payment methods for the target object in the payment platform from the payment service device. Further, the target payment component is invoked to display the list of candidate payment methods on the transaction interface of the trading platform, and then invoked again to execute payment processing for the transaction order data based on the list of candidate payment methods displayed on the transaction interface. Therefore, in the process of executing payment processing for transaction order data, all steps that require the payment platform to perform are executed by the target payment component, eliminating the need for the computer device to jump to the payment platform, thus improving the efficiency of payment processing.

[0072] Optionally, the candidate payment method list includes at least two candidate payment methods; the above-mentioned invocation of the target payment component to perform payment processing on the transaction order data according to the candidate payment method list displayed in the transaction interface includes: in response to the selection operation of the candidate payment method in the candidate payment method list displayed in the transaction interface, selecting the candidate payment method as the target payment method; invoking the target payment component to obtain the payment password entered by the target object for the target payment method; invoking the target payment component to encapsulate the payment password and the transaction order data to obtain a payment data packet associated with the payment platform; and sending the payment data packet to the payment service device, wherein the payment data packet is used to instruct the payment service device to perform payment processing on the transaction order data based on the payment password in the payment data packet.

[0073] After the computer device displays a list of candidate payment methods on the transaction interface, the target user can select any candidate payment method from the list to process the payment for the transaction order data. Correspondingly, the computer device can respond to the selection operation of a candidate payment method from the list displayed on the transaction interface and use the selected candidate payment method as the target payment method. Further, the target payment component is invoked to obtain the payment password entered by the target user for the target payment method. The target payment component then encapsulates the payment password and the transaction order data to obtain a payment data packet associated with the payment platform; this payment data packet is then sent to the payment service device. Upon receiving the payment data packet, the payment service device can parse it to obtain the payment password and transaction order data. It then queries the target user's private payment account on the payment platform based on the open payment account to verify whether the payment password is associated with the private payment account. If it is determined that the payment password is not associated with the private payment account, it indicates that the payment password entered by the target user is incorrect, and the payment processing for the transaction order data is refused. If the payment password is confirmed to be associated with a private account, it indicates that the payment password entered by the target recipient is correct. Then, based on the transaction order data, electronic resources of the target value can be transferred from the private account to the payee. The target value can refer to the transaction amount. Since the payment password and other private information are obtained by the target payment component, the transaction platform cannot obtain the target recipient's private information, thus achieving information isolation between the transaction platform and the payment platform and improving the security of payment processing.

[0074] Optionally, the above-mentioned invocation of the target payment component to encapsulate the payment password and the transaction order data to obtain a payment data packet associated with the payment platform includes: obtaining a data encapsulation template associated with the payment platform from the target payment component; encapsulating the payment password and the transaction order data according to the data encapsulation format in the data encapsulation template to obtain a payment data message; and encrypting the payment data message according to the data encryption method in the data encapsulation template to obtain a payment data packet associated with the payment platform.

[0075] Computer equipment can obtain a data encapsulation template associated with the payment platform from the target payment component. This template includes a data encapsulation format and a data encryption method. The data encapsulation format can be determined according to the payment platform's data processing protocol, and the data encryption method can include one or more of shared key encryption, Message Digest Algorithm 5 (MD5), and Des Symmetric Encryption (DES). Furthermore, the computer equipment can encapsulate the payment password and the transaction order data according to the data encapsulation format in the template to obtain a payment data message; and encrypt the payment data message according to the data encryption method in the template to obtain a payment data packet associated with the payment platform. By encrypting the payment data message using a data encryption method, the leakage of private data can be avoided, improving data security.

[0076] In this application, when a target object performs a transaction operation on a target item in a trading platform, the computer device, in response to the target object's transaction operation on the trading platform, displays the transaction order data generated based on the transaction operation in the trading interface of the trading platform, determines the payment platform used to perform payment processing on the transaction order data, obtains the target object's transaction account in the trading platform, and determines the target object's open payment account in the payment platform based on the transaction account. The target payment component embedded in the trading platform is invoked, and payment processing is performed on the transaction order data in the trading interface of the trading platform based on the open payment account and the transaction account. In other words, during the payment processing of transaction order data, the payment processing of transaction order data can be completed by invoking the target payment component embedded in the trading platform, without needing to start the payment platform, thus improving the efficiency and convenience of payment processing and saving terminal resources. Simultaneously, by performing payment processing on the transaction order data based on the open payment account and the transaction account, it is not necessary to send the target object's private payment account in the payment platform to the trading platform, thereby improving the security of payment processing.

[0077] Further, please see Figure 6 This is a flowchart illustrating a transaction data processing method provided in an embodiment of this application. Figure 6 As shown, this method can be derived from... Figure 1 It can be executed by any terminal in the terminal cluster, or by... Figure 1 The transaction data processing method is executed by a transaction service device, and the device used to execute this transaction data processing method in this application can be collectively referred to as a computer device. The transaction data processing method may include the following steps S201 to S204:

[0078] S201. In response to a transaction operation by the target object for a target product in the trading platform, the transaction order data generated according to the transaction operation is displayed in the trading interface of the trading platform.

[0079] S202. Determine the payment platform used to perform payment processing on the transaction order data.

[0080] S203. Obtain the transaction account of the target object in the transaction platform, and determine the open payment account of the target object in the payment platform based on the transaction account.

[0081] S204. Obtain the first payment processing log data of the candidate payment components among the N candidate payment components in the transaction platform within a first time period, and the transaction attribute characteristics of the target product; the transaction platform is embedded with N candidate payment components adapted to the payment platform; N is a positive integer greater than 1.

[0082] S205. Invoke the target component selection model, and select a candidate payment component that matches the transaction attribute features from the N candidate payment components based on the first payment processing log data, as the target payment component for performing payment processing on the transaction order data.

[0083] Optionally, the above-mentioned target component selection model, which selects a candidate payment component matching the transaction attribute features from the N candidate payment components based on the first payment processing log data, as the target payment component for performing payment processing on the transaction order data, includes: calling the processing parameter identification layer in the target component selection model to identify the first payment processing log data of the candidate payment component Pi, and obtaining M payment processing performance parameters of the candidate payment component Pi; the candidate payment component Pi belongs to the N candidate payment components, i is a positive integer less than or equal to N, and M is a positive integer greater than 1; calling the weight determination layer in the target component selection model to identify the transaction feature attributes of the target product, and obtaining the processing weights corresponding to the M payment processing performance parameters respectively; calling the component selection layer in the target component selection model to select the target payment component for performing payment processing on the transaction order data from the N candidate payment components based on the M payment processing performance parameters and the processing weights corresponding to the M payment processing performance parameters respectively.

[0084] The target component selection model includes a processing parameter identification layer, a weight determination layer, and a component selection layer. The processing parameter identification layer identifies the payment processing performance parameters of candidate payment components. The weight determination layer determines the weights corresponding to the payment processing performance parameters of candidate payment components. The component selection layer selects the target payment component to perform payment processing on the transaction order data. Specifically, the computer device can call the processing parameter identification layer in the target component selection model to identify the first payment processing log data of candidate payment component Pi, obtaining M payment processing performance parameters of candidate payment component Pi. These M parameters reflect the payment processing performance of candidate payment component Pi, and may include multiple parameters such as payment processing efficiency, payment processing security, and payment processing stability; or, the M parameters may reflect the candidate payment component Pi's proficiency in processing M types of products. Further, the weight determination layer in the target component selection model can be called to identify the transaction feature attributes of the target product and the M payment processing performance parameters, obtaining the processing weights corresponding to each of the M parameters. These weights reflect the importance of the payment processing performance parameters to the payment processing of the transaction order data corresponding to the target product. Therefore, the computer device can invoke the component selection layer in the target component selection model, and select the target payment component for performing payment processing on the transaction order data from the N candidate payment components based on the M payment processing performance parameters and their corresponding processing weights. By adaptively selecting candidate payment components that match the transaction feature attributes of the target product based on their payment processing performance parameters, the processing efficiency and accuracy of order transaction data can be improved, meeting different user payment processing needs.

[0085] For example, if the target product's price change rate exceeds a threshold, a candidate payment component with high payment processing efficiency and stability can be selected to process the corresponding transaction order data. This avoids losses to users due to price fluctuations. If the target product's transaction amount exceeds a limit, a candidate payment component with high payment processing security can be selected to process the corresponding transaction order data. This avoids information leakage during payment processing, preventing significant losses to users. If the target product's remaining quantity is less than a quantity threshold, a candidate payment component with high payment processing efficiency can be selected to process the corresponding transaction order data. This avoids slow payment processing leading to transaction failures.

[0086] Optionally, the above-mentioned invocation of the component selection layer in the target component selection model, based on the M payment processing performance parameters and their corresponding processing weights, selects a target payment component from the N candidate payment components to perform payment processing on the transaction order data. This includes: invoking the component selection layer in the target component selection model, performing a weighted summation of the M payment processing performance parameters using their respective processing weights to obtain a payment processing performance score for the candidate payment component Pi; and identifying the candidate payment components among the N candidate payment components whose payment processing performance scores are greater than a score threshold as the target payment components to perform payment processing on the transaction order data.

[0087] The computer device can invoke the component selection layer in the target component selection model, and perform a weighted summation of the M payment processing performance parameters using the processing weights corresponding to each parameter, to obtain a payment processing performance score for the candidate payment component Pi. This score reflects the candidate payment component Pi's proficiency in processing transaction order data corresponding to the target product; a higher score indicates greater proficiency, while a lower score indicates less proficiency. Therefore, the computer device can identify candidate payment components with payment processing performance scores greater than a threshold from among the N candidate payment components as the target payment components for processing the transaction order data. By determining the target payment component based on the payment processing performance score, the efficiency and accuracy of payment processing are improved.

[0088] Optionally, before executing step S205, the computer device can train the candidate component selection model to obtain the target component selection model using the following method. Specifically, it obtains the second payment processing log data of the candidate payment components among the N candidate payment components within a second time period, and obtains the sample transaction attribute features and labeled payment components of the sample products in the transaction platform; the second time period is before the first time period, and the labeled payment components belong to the N candidate payment components; it calls the candidate component selection model, and selects the candidate payment component that matches the sample transaction attribute features from the N candidate payment components based on the second payment processing log data, as the predicted payment component for performing payment processing on the sample transaction order data corresponding to the sample product; it adjusts the candidate component selection model based on the labeled payment component and the predicted payment component to obtain the target component selection model.

[0089] The computer device can acquire second payment processing log data of the candidate payment components from the N candidate payment components within a second time period, and acquire sample transaction attribute features and labeled payment components of the sample products in the trading platform. The sample product can refer to any product in the trading platform, the second time period is prior to the first time period, and the labeled payment component can refer to the payment component selected by the user for the sample product, belonging to the N candidate payment components. Further, the computer device can invoke a candidate component selection model, and based on the second payment processing log data, select a candidate payment component from the N candidate payment components that matches the sample transaction attribute features, as a predicted payment component for performing payment processing on the sample transaction order data corresponding to the sample product. The predicted payment component and the labeled payment component reflect the accuracy of the payment component selection model. For example, a small difference between the predicted payment component and the labeled payment component indicates high accuracy; a large difference indicates low accuracy. Therefore, the computer device can adjust the candidate component selection model based on the labeled payment component and the predicted payment component to obtain the target component selection model, which can improve the accuracy of the target component selection model in selecting payment components.

[0090] Optionally, adjusting the candidate component selection model based on the labeled payment component and the predicted payment component to obtain the target component selection model includes: determining the component prediction error of the candidate component selection model based on the labeled payment component and the predicted payment component; if the component prediction error is not in a convergent state, adjusting the candidate component selection model based on the component prediction error to obtain the target component selection model.

[0091] The computer device can determine the component prediction error of the candidate component selection model based on the labeled payment component and the predicted payment component. If the component prediction error is in a convergent state, i.e., the component prediction error is less than the error threshold, it indicates that the candidate component selection model has a relatively high accuracy in selecting the payment component. Therefore, this candidate component selection model can be used as the target component selection model. If the component prediction error is not in a convergent state, i.e., the component prediction error is greater than or equal to the error threshold, it indicates that the candidate component selection model has a relatively low accuracy in selecting the payment component. In this case, the candidate component selection model is adjusted based on the component prediction error to obtain the target component selection model, which can improve the accuracy of the target component selection model in selecting the payment component.

[0092] S206. Invoke the target payment component and, in the transaction interface of the transaction platform, perform payment processing on the transaction order data based on the open payment account and the transaction account.

[0093] In steps S204-S206, the trading platform embeds multiple candidate payment components with different payment processing capabilities. The computer device can select a matching candidate payment component for the target product to process its transaction order data. Specifically, the computer device can obtain the first payment processing log data of the candidate payment components among the N candidate payment components in the trading platform within a first time period, as well as the transaction attribute characteristics of the target product. The first time period can refer to the past week, the past month, or the past year, etc. The first payment processing log data reflects the information of the transaction order data processed by the candidate payment components within the first time period. The transaction attribute characteristics include one or more of the following: the type of the target product, the price change rate, the remaining quantity, and the effective transaction time period. Further, the computer device can invoke a target component selection model to select a candidate payment component that matches the transaction attribute characteristics from the N candidate payment components based on the first payment processing log data. This selected component is then used as the target payment component to perform payment processing on the transaction order data; that is, the target payment component is the one that is adept at processing transaction order data related to the target product. Then, the target payment component is invoked, and payment processing is performed on the transaction order data in the transaction interface of the transaction platform based on the open payment account and the transaction account. By adaptively selecting a candidate payment component that matches the transaction attribute characteristics of the target product based on the first payment processing log data of the candidate payment components, it is beneficial to improve the processing efficiency and accuracy of order transaction data.

[0094] In this application, when a target object performs a transaction operation on a target item in a trading platform, the computer device, in response to the target object's transaction operation on the target product in the trading platform, displays the transaction order data generated based on the transaction operation in the trading interface of the trading platform, determines the payment platform used to perform payment processing on the transaction order data, obtains the target object's transaction account in the trading platform, and determines the target object's open payment account in the payment platform based on the transaction account. Furthermore, the computer device can obtain the first payment processing log data of the candidate payment components among N candidate payment components in the trading platform within a first time period, as well as the transaction attribute characteristics of the target product, invokes the target component selection model, and selects the candidate payment component matching the transaction attribute characteristics from the N candidate payment components based on the first payment processing log data, as the target payment component for performing payment processing on the transaction order data. By adaptively selecting the candidate payment component matching the transaction attribute characteristics of the target product based on the first payment processing log data of the candidate payment components, this helps improve the processing efficiency and accuracy of order transaction data. Then, the target payment component embedded in the transaction platform is invoked. Within the transaction interface of the platform, payment processing is executed on the transaction order data based on the open payment account and the transaction account. In other words, the payment processing of transaction order data can be completed by invoking the target payment component embedded in the transaction platform, without needing to launch the payment platform itself. This improves the efficiency and convenience of payment processing and saves terminal resources. Furthermore, by executing payment processing on the transaction order data based on the open payment account and the transaction account, the target object's private payment account within the payment platform does not need to be sent to the platform, thus enhancing payment security.

[0095] The transaction data processing method of this application can be applied to application scenarios such as food, clothing, medical care, electronic products, and games. By embedding a payment component in the transaction platform, payment processing can be completed in a closed loop within the platform, improving both efficiency and security. Specifically, such as... Figure 7 and Figure 8 As shown, the transaction data processing method may include the following steps S51 to S62:

[0096] S51. Product Order Placement: The computer device can display one or more products on the trading interface of the trading platform. The target object can perform a transaction operation (i.e., place an order) on any product. The computer device can refer to the product being traded as the target product and generate the corresponding order transaction data based on the transaction operation. S52. Payment Platform Selection: After generating the transaction order data, the computer device can send the order transaction data to the trading service device. The trading service device returns the order result to the computer device. After receiving the order result, if the order result is a failure, the computer device ends the process; if the order result is a success, it displays the payment platform associated with the trading platform and the transaction result on the trading interface of the trading platform. The target object can select any payment platform from the trading interface as the payment platform for processing the order transaction data. S53. Open Payment Account Query: When the computer device obtains the payment platform selected by the target object, it sends the platform information of the payment platform to the trading service device. The trading service device can query the target object's open payment account on that payment platform based on the platform information. If an open account for the target object is found on the payment platform, proceed to step S58; otherwise, proceed to step S54. S54: Permission Activation Request; that is, the transaction service device sends a permission activation request to the payment service device, and the payment service device returns relevant Uniform Resource Locator (URL) information to the transaction service device. This URL information refers to the address used to obtain the activation page of the payment platform.

[0097] Further, S55, based on the authorization URL information, redirect to the payment platform; that is, after receiving the URL information, the transaction service device can send the URL information to the computer device, which can display the URL information in the transaction interface of the transaction platform. If a touch operation targeting the URL information is detected, the payment platform is launched based on the URL information. S56, the computer device queries the payment service device to see if the target object has activated the payment platform. If the target object has not activated it, it means that the target object has not registered on the payment platform, and the activation page can be displayed on the payment platform. The computer device can obtain the object information entered by the target object on the activation page, generate an activation request carrying the object information of the target object and the platform information of the transaction platform, and send the activation request to the payment service device. S57, the payment service device verifies the legality of the object based on the object information and verifies the legality of the transaction platform based on the platform information. When both the target object and the transaction platform are legal, the activation result and the activated payment account are returned to the transaction service device. This activation result reflects that the target object has successfully registered on the payment platform and has the authorization to use the payment platform on the transaction platform. S58. When the transaction service device receives the activation result and the open payment account, it can record the activation result and the open payment account locally, generate a payment request carrying the open payment account and the transaction account, and send the payment request to the payment service device. S59. When the payment service device receives the payment request, it can verify whether the open payment account and the transaction account are associated. S60. If the payment service device determines that the open payment account and the transaction account are associated, it returns a payment link to the computer device. S61. The computer device calls the target payment component based on the payment link, queries the payment method list from the payment service device, displays the payment method list on the transaction interface of the transaction platform, and obtains the payment method selected by the target object, as well as the payment password entered for that payment method. S62. The computer device calls the target payment component and initiates payment based on the payment password and transaction order data.

[0098] In summary, the process of granting permissions to a target object requires a redirect to the payment platform. In other words, when a target object registers on the payment platform for the first time, it needs to be redirected to the payment platform. Subsequent payment processing is completed in a closed loop within the transaction platform, without needing to be redirected to the payment platform again, thus improving the efficiency and security of payment processing.

[0099] Please see Figure 9 This is a schematic diagram of the structure of a transaction data processing apparatus provided in an embodiment of this application. The aforementioned transaction data processing apparatus can be a computer program (including program code) running on a network device; for example, the transaction data processing apparatus is an application software. This apparatus can be used to execute the corresponding steps in the method provided in the embodiments of this application. Figure 9As shown, the transaction data processing device may include: a display module 911, a determination module 912, a processing module 913, a selection module 914, an adjustment module 915, and a generation module 916.

[0100] The display module is used to respond to the transaction operation of the target object for the target product in the trading platform and to display the transaction order data generated according to the transaction operation in the trading interface of the trading platform.

[0101] The determination module is used to determine the payment platform used to perform payment processing on the transaction order data; obtain the transaction account of the target object in the transaction platform, and determine the open payment account of the target object in the payment platform based on the transaction account;

[0102] The processing module is used to call the target payment component embedded in the transaction platform, and perform payment processing on the transaction order data according to the open payment account and the transaction account in the transaction interface of the transaction platform; the target payment component is compatible with the payment platform.

[0103] Optionally, the processing module invokes the target payment component embedded in the transaction platform, and performs payment processing on the transaction order data based on the open payment account and the transaction account in the transaction interface of the transaction platform, including:

[0104] Generate a payment request carrying the open payment account and the transaction account;

[0105] The payment request is sent to the payment service device corresponding to the payment platform; the payment request is used to instruct the payment service device to generate a payment link when it determines that the open payment account and the transaction account are associated.

[0106] The system receives a payment link sent by the payment service device, invokes the target payment component embedded in the transaction platform, and performs payment processing on the transaction order data according to the payment link in the transaction interface of the transaction platform.

[0107] Optionally, the processing module invokes the target payment component embedded in the transaction platform, and performs payment processing on the transaction order data according to the payment link in the transaction interface of the transaction platform, including:

[0108] The target payment component is invoked to display the payment link in the transaction interface of the transaction platform;

[0109] In response to a touch operation on the payment link, the target payment component is invoked according to the payment link to obtain a list of candidate payment methods for the target object in the payment platform from the payment service device;

[0110] The target payment component is invoked to display the list of candidate payment methods on the transaction interface of the transaction platform;

[0111] The target payment component is invoked to perform payment processing on the transaction order data based on the list of candidate payment methods displayed in the transaction interface.

[0112] Optionally, the candidate payment method list includes at least two candidate payment methods; the processing module calls the target payment component to perform payment processing on the transaction order data according to the candidate payment method list displayed on the transaction interface, including:

[0113] In response to the selection operation of a candidate payment method from the list of candidate payment methods displayed in the transaction interface, the selected candidate payment method is used as the target payment method;

[0114] Invoke the target payment component to obtain the payment password entered by the target object for the target payment method;

[0115] The target payment component is invoked to encapsulate the payment password and the transaction order data to obtain a payment data packet associated with the payment platform;

[0116] The payment data packet is sent to the payment service device, and the payment data packet is used to instruct the payment service device to perform payment processing on the transaction order data based on the payment password in the payment data packet.

[0117] Optionally, the processing module calls the target payment component to encapsulate the payment password and the transaction order data to obtain a payment data packet associated with the payment platform, including:

[0118] Obtain the data encapsulation template associated with the payment platform from the target payment component;

[0119] According to the data encapsulation format in the data encapsulation template, the payment password and the transaction order data are encapsulated to obtain a payment data message;

[0120] The payment data message is encrypted according to the data encryption method in the data encapsulation template to obtain a payment data packet associated with the payment platform.

[0121] Optionally, the transaction platform embeds N candidate payment components adapted to the payment platform; N is a positive integer greater than 1; the processing module calls the target payment component embedded in the transaction platform, and performs payment processing on the transaction order data according to the open payment account and the transaction account in the transaction interface of the transaction platform, including:

[0122] Obtain the first payment processing log data of the candidate payment components among the N candidate payment components in the transaction platform within a first time period, as well as the transaction attribute characteristics of the target product;

[0123] The target component selection model is invoked, and a candidate payment component matching the transaction attribute features is selected from the N candidate payment components based on the first payment processing log data, which is then used as the target payment component for performing payment processing on the transaction order data;

[0124] The target payment component is invoked, and payment processing is performed on the transaction order data based on the open payment account and the transaction account in the transaction interface of the transaction platform.

[0125] Optionally, the processing module invokes a target component selection model to select a candidate payment component that matches the transaction attribute features from the N candidate payment components based on the first payment processing log data. This candidate payment component is then used as the target payment component for performing payment processing on the transaction order data. This includes:

[0126] The processing parameter identification layer in the target component selection model is invoked to identify the first payment processing log data of the candidate payment component Pi, thereby obtaining M payment processing performance parameters of the candidate payment component Pi; the candidate payment component Pi belongs to the N candidate payment components, where i is a positive integer less than or equal to N, and M is a positive integer greater than 1;

[0127] The weight determination layer in the target component selection model is invoked to identify the transaction feature attributes of the target product and the M payment processing performance parameters, thereby obtaining the processing weights corresponding to the M payment processing performance parameters respectively.

[0128] The component selection layer in the target component selection model is invoked, and the target payment component for performing payment processing on the transaction order data is selected from the N candidate payment components based on the M payment processing performance parameters and the processing weights corresponding to the M payment processing performance parameters.

[0129] Optionally, the processing module invokes the component selection layer in the target component selection model to select a target payment component from the N candidate payment components for performing payment processing on the transaction order data, based on the M payment processing performance parameters and their corresponding processing weights. This selection includes:

[0130] The component selection layer in the target component selection model is invoked, and the M payment processing performance parameters are weighted and summed using the processing weights corresponding to the M payment processing performance parameters respectively, to obtain the payment processing performance score of the candidate payment component Pi.

[0131] The candidate payment components with payment processing performance scores greater than the score threshold among the N candidate payment components are determined as the target payment components for performing payment processing on the transaction order data.

[0132] Optionally, a selection module is used to obtain second payment processing log data of candidate payment components among the N candidate payment components within a second time period, and to obtain sample transaction attribute features and labeled payment components of sample products in the transaction platform; the second time period is located before the first time period, and the labeled payment components belong to the N candidate payment components; the candidate component selection model is invoked, and based on the second payment processing log data, a candidate payment component matching the sample transaction attribute features is selected from the N candidate payment components as a predicted payment component for performing payment processing on the sample transaction order data corresponding to the sample product;

[0133] The adjustment module is used to adjust the candidate component selection model based on the labeled payment component and the predicted payment component to obtain the target component selection model.

[0134] Optionally, the adjustment module adjusts the candidate component selection model based on the labeled payment component and the predicted payment component to obtain the target component selection model, including:

[0135] Based on the labeled payment component and the predicted payment component, determine the component prediction error of the candidate component selection model;

[0136] If the component prediction error is not in a convergent state, the candidate component selection model is adjusted according to the component prediction error to obtain the target component selection model.

[0137] Optionally, the determining module determines a payment platform for performing payment processing on the transaction order data, including:

[0138] The transaction interface of the transaction platform displays a list of payment platforms used to perform payment processing on the transaction order data; the list of payment platforms includes at least one candidate payment platform.

[0139] In response to the selection operation of the candidate payment platform in the list of payment platforms, the selected candidate payment platform is determined as the payment platform for performing payment processing on the transaction order data.

[0140] Optionally, a generation module is used to generate a permission activation request for the target object to use the payment platform for payment processing on the transaction platform; the permission activation request carries the object information of the target object and the platform information of the transaction platform;

[0141] The permission activation request is sent to the payment service device corresponding to the payment platform. The permission activation request instructs the payment service device to generate an open payment account for the target object on the payment platform when it determines that the target object is legitimate based on the object information carried in the permission activation request and that the transaction platform is legitimate based on the platform information carried in the permission activation request. The open payment account and the target object's transaction account on the transaction platform are then associated and stored together. The open payment account is then sent to the transaction service device. The open payment account instructs the transaction service device to associate and store the open payment account and the target object's transaction account on the transaction platform.

[0142] The determining module determines the target object's open payment account on the payment platform based on the transaction account, including:

[0143] In the transaction service device corresponding to the transaction platform, query the open payment account associated with the transaction account, which is the open payment account of the target object in the payment platform.

[0144] According to one embodiment of this application, Figure 4 The steps involved in the transaction data processing method shown can be derived from... Figure 9 The various modules within the transaction data processing device shown are used to execute this process. For example, Figure 3 Step S101 shown can be performed by Figure 9 The display module 911 in the middle is used to perform the operation. Figure 3 Steps S102 and S103 shown can be derived from Figure 9 The determination module 912 in the middle is used for execution; Figure 3 Step S104 shown can be derived from Figure 9 The processing module 113 in the middle is used to execute it.

[0145] According to one embodiment of this application, Figure 9 The modules in the transaction data processing apparatus shown can be individually or entirely combined into one or more units, or some of these units can be further divided into at least two functionally smaller sub-units to achieve the same operation without affecting the technical effects of the embodiments of this application. The above modules are based on logical functional division. In practical applications, the function of one module can also be implemented by at least two units, or the function of at least two modules can be implemented by one unit. In other embodiments of this application, the transaction data processing apparatus may also include other units. In practical applications, these functions can also be implemented with the assistance of other units, and can be implemented collaboratively by at least two units.

[0146] According to one embodiment of this application, a general-purpose computer device, such as a computer, which includes processing elements and storage elements such as a central processing unit (CPU), random access memory (RAM), and read-only memory (ROM), can perform operations such as... Figure 3 The computer program (including program code) for each step involved in the corresponding method shown, to construct such... Figure 9 The transaction data processing apparatus shown herein, and the transaction data processing method for implementing the embodiments of this application, are described. The aforementioned computer program may be recorded on, for example, a computer-readable recording medium, loaded onto the aforementioned computing device via the computer-readable recording medium, and run therein.

[0147] In this application, when a target object performs a transaction operation on a target item in a trading platform, the computer device, in response to the target object's transaction operation on the trading platform, displays the transaction order data generated based on the transaction operation in the trading interface of the trading platform, determines the payment platform used to perform payment processing on the transaction order data, obtains the target object's transaction account in the trading platform, and determines the target object's open payment account in the payment platform based on the transaction account. The target payment component embedded in the trading platform is invoked, and payment processing is performed on the transaction order data in the trading interface of the trading platform based on the open payment account and the transaction account. In other words, during the payment processing of transaction order data, the payment processing of transaction order data can be completed by invoking the target payment component embedded in the trading platform, without needing to start the payment platform, thus improving the efficiency and convenience of payment processing and saving terminal resources. Simultaneously, by performing payment processing on the transaction order data based on the open payment account and the transaction account, it is not necessary to send the target object's private payment account in the payment platform to the trading platform, thereby improving the security of payment processing.

[0148] Please see Figure 10This is a schematic diagram of the structure of a computer device provided in an embodiment of this application. Figure 10 As shown, the computer device 1000 may include a processor 1001, a network interface 1004, and a memory 1005. Furthermore, the computer device 1000 may also include a user interface 1003 and at least one communication bus 1002. The communication bus 1002 is used to enable communication between these components. The user interface 1003 may include a display screen and a keyboard; optionally, the user interface 1003 may also include a standard wired interface or a wireless interface. The network interface 1004 may optionally include a standard wired interface or a wireless interface (such as a Wi-Fi interface). The memory 1005 may be high-speed RAM or non-volatile memory, such as at least one disk storage device. Optionally, the memory 1005 may also be at least one storage device located remotely from the processor 1001. Figure 10 As shown, the memory 1005, which is a computer-readable storage medium, may include an operating system, a network communication module, a user interface module, and a device control application program.

[0149] exist Figure 10 In the computer device 1000 shown, the network interface 1004 provides network communication functionality; the user interface 1003 is mainly used to provide an input interface; and the processor 1001 can be used to call the device control application stored in the memory 1005 to achieve:

[0150] In response to a transaction operation by a target object targeting a target product on a trading platform, transaction order data generated based on the transaction operation is displayed on the trading interface of the trading platform.

[0151] Identify the payment platform to perform payment processing on the transaction order data;

[0152] Obtain the transaction account of the target object in the transaction platform, and determine the open payment account of the target object in the payment platform based on the transaction account;

[0153] The target payment component embedded in the transaction platform is invoked, and payment processing is performed on the transaction order data in the transaction interface of the transaction platform based on the open payment account and the transaction account; the target payment component is compatible with the payment platform.

[0154] Optionally, the processor 1001 can be used to call the device control application stored in the memory 1005 to invoke the target payment component embedded in the transaction platform, and perform payment processing on the transaction order data based on the open payment account and the transaction account in the transaction interface of the transaction platform, including:

[0155] Generate a payment request carrying the open payment account and the transaction account;

[0156] The payment request is sent to the payment service device corresponding to the payment platform; the payment request is used to instruct the payment service device to generate a payment link when it determines that the open payment account and the transaction account are associated.

[0157] The system receives a payment link sent by the payment service device, invokes the target payment component embedded in the transaction platform, and performs payment processing on the transaction order data according to the payment link in the transaction interface of the transaction platform.

[0158] Optionally, the processor 1001 can be used to call the device control application stored in the memory 1005 to invoke the target payment component embedded in the transaction platform, and perform payment processing on the transaction order data according to the payment link in the transaction interface of the transaction platform, including:

[0159] The target payment component is invoked to display the payment link in the transaction interface of the transaction platform;

[0160] In response to a touch operation on the payment link, the target payment component is invoked according to the payment link to obtain a list of candidate payment methods for the target object in the payment platform from the payment service device;

[0161] The target payment component is invoked to display the list of candidate payment methods on the transaction interface of the transaction platform;

[0162] The target payment component is invoked to perform payment processing on the transaction order data based on the list of candidate payment methods displayed in the transaction interface.

[0163] Optionally, the candidate payment method list includes at least two candidate payment methods; the processor 1001 can be used to call the device control application stored in the memory 1005 to invoke the target payment component and perform payment processing on the transaction order data according to the candidate payment method list displayed in the transaction interface, including:

[0164] In response to the selection operation of a candidate payment method from the list of candidate payment methods displayed in the transaction interface, the selected candidate payment method is used as the target payment method;

[0165] Invoke the target payment component to obtain the payment password entered by the target object for the target payment method;

[0166] The target payment component is invoked to encapsulate the payment password and the transaction order data to obtain a payment data packet associated with the payment platform;

[0167] The payment data packet is sent to the payment service device, and the payment data packet is used to instruct the payment service device to perform payment processing on the transaction order data based on the payment password in the payment data packet.

[0168] Optionally, the processor 1001 can be used to call the device control application stored in the memory 1005 to invoke the target payment component, encapsulate the payment password and the transaction order data, and obtain a payment data packet associated with the payment platform, including:

[0169] Obtain the data encapsulation template associated with the payment platform from the target payment component;

[0170] According to the data encapsulation format in the data encapsulation template, the payment password and the transaction order data are encapsulated to obtain a payment data message;

[0171] The payment data message is encrypted according to the data encryption method in the data encapsulation template to obtain a payment data packet associated with the payment platform.

[0172] Optionally, the transaction platform embeds N candidate payment components adapted to the payment platform; N is a positive integer greater than 1; the processor 1001 can be used to call the device control application stored in the memory 1005 to call the target payment component embedded in the transaction platform, and in the transaction interface of the transaction platform, perform payment processing on the transaction order data according to the open payment account and the transaction account, including:

[0173] Obtain the first payment processing log data of the candidate payment components among the N candidate payment components in the transaction platform within a first time period, as well as the transaction attribute characteristics of the target product;

[0174] The target component selection model is invoked, and a candidate payment component matching the transaction attribute features is selected from the N candidate payment components based on the first payment processing log data, which is then used as the target payment component for performing payment processing on the transaction order data;

[0175] The target payment component is invoked, and payment processing is performed on the transaction order data based on the open payment account and the transaction account in the transaction interface of the transaction platform.

[0176] Optionally, the processor 1001 can be used to call the device control application stored in the memory 1005 to implement the invocation of the target component selection model, and select a candidate payment component that matches the transaction attribute features from the N candidate payment components according to the first payment processing log data, as the target payment component for performing payment processing on the transaction order data, including:

[0177] The processing parameter identification layer in the target component selection model is invoked to identify the first payment processing log data of the candidate payment component Pi, thereby obtaining M payment processing performance parameters of the candidate payment component Pi; the candidate payment component Pi belongs to the N candidate payment components, where i is a positive integer less than or equal to N, and M is a positive integer greater than 1;

[0178] The weight determination layer in the target component selection model is invoked to identify the transaction feature attributes of the target product and the M payment processing performance parameters, thereby obtaining the processing weights corresponding to the M payment processing performance parameters respectively.

[0179] The component selection layer in the target component selection model is invoked, and the target payment component for performing payment processing on the transaction order data is selected from the N candidate payment components based on the M payment processing performance parameters and the processing weights corresponding to the M payment processing performance parameters.

[0180] Optionally, the processor 1001 can be used to call the device control application stored in the memory 1005 to invoke the component selection layer in the target component selection model, and select a target payment component from the N candidate payment components to perform payment processing on the transaction order data according to the M payment processing performance parameters and the processing weights corresponding to the M payment processing performance parameters, including:

[0181] The component selection layer in the target component selection model is invoked, and the M payment processing performance parameters are weighted and summed using the processing weights corresponding to the M payment processing performance parameters respectively, to obtain the payment processing performance score of the candidate payment component Pi.

[0182] The candidate payment components with payment processing performance scores greater than the score threshold among the N candidate payment components are determined as the target payment components for performing payment processing on the transaction order data.

[0183] Optionally, the processor 1001 can be used to call the device control application stored in the memory 1005 to achieve:

[0184] Obtain the second payment processing log data of the candidate payment components among the N candidate payment components within the second time period, and obtain the sample transaction attribute features and labeled payment components of the sample products in the transaction platform; the second time period is before the first time period, and the labeled payment components belong to the N candidate payment components;

[0185] The candidate component selection model is invoked, and a candidate payment component matching the sample transaction attribute features is selected from the N candidate payment components based on the second payment processing log data. This candidate payment component is then used as the predictive payment component for performing payment processing on the sample transaction order data corresponding to the sample product.

[0186] Based on the labeled payment component and the predicted payment component, the candidate component selection model is adjusted to obtain the target component selection model.

[0187] Optionally, the processor 1001 can be used to call a device control application stored in the memory 1005 to adjust the candidate component selection model according to the labeled payment component and the predicted payment component to obtain the target component selection model, including:

[0188] Based on the labeled payment component and the predicted payment component, determine the component prediction error of the candidate component selection model;

[0189] If the component prediction error is not in a convergent state, the candidate component selection model is adjusted according to the component prediction error to obtain the target component selection model.

[0190] Optionally, the processor 1001 can be used to invoke a device control application stored in the memory 1005 to determine a payment platform for performing payment processing on the transaction order data, including:

[0191] The transaction interface of the transaction platform displays a list of payment platforms used to perform payment processing on the transaction order data; the list of payment platforms includes at least one candidate payment platform.

[0192] In response to the selection operation of the candidate payment platform in the list of payment platforms, the selected candidate payment platform is determined as the payment platform for performing payment processing on the transaction order data.

[0193] Optionally, the processor 1001 can be used to call the device control application stored in the memory 1005 to achieve:

[0194] Generate a permission request for the target object to use the payment platform for payment processing on the transaction platform; the permission request carries the object information of the target object and the platform information of the transaction platform;

[0195] The permission activation request is sent to the payment service device corresponding to the payment platform. The permission activation request instructs the payment service device to generate an open payment account for the target object on the payment platform when it determines that the target object is legitimate based on the object information carried in the permission activation request and that the transaction platform is legitimate based on the platform information carried in the permission activation request. The open payment account and the target object's transaction account on the transaction platform are then associated and stored together. The open payment account is then sent to the transaction service device. The open payment account instructs the transaction service device to associate and store the open payment account and the target object's transaction account on the transaction platform.

[0196] The step of determining the target object's open payment account in the payment platform based on the transaction account includes:

[0197] In the transaction service device corresponding to the transaction platform, query the open payment account associated with the transaction account, which is the open payment account of the target object in the payment platform.

[0198] In this application, when a target object performs a transaction operation on a target item in a trading platform, the computer device, in response to the target object's transaction operation on the trading platform, displays the transaction order data generated based on the transaction operation in the trading interface of the trading platform, determines the payment platform used to perform payment processing on the transaction order data, obtains the target object's transaction account in the trading platform, and determines the target object's open payment account in the payment platform based on the transaction account. The target payment component embedded in the trading platform is invoked, and payment processing is performed on the transaction order data in the trading interface of the trading platform based on the open payment account and the transaction account. In other words, during the payment processing of transaction order data, the payment processing of transaction order data can be completed by invoking the target payment component embedded in the trading platform, without needing to start the payment platform, thus improving the efficiency and convenience of payment processing and saving terminal resources. Simultaneously, by performing payment processing on the transaction order data based on the open payment account and the transaction account, it is not necessary to send the target object's private payment account in the payment platform to the trading platform, thereby improving the security of payment processing.

[0199] It should be understood that the computer device 1000 described in the embodiments of this application can perform the foregoing... Figure 4 and the preceding text Figure 6 The description of the transaction data processing method in the corresponding embodiments can also be performed as described above. Figure 9 The description of the transaction data processing apparatus in the corresponding embodiments will not be repeated here. Furthermore, the beneficial effects of using the same method will also not be repeated.

[0200] Furthermore, it should be noted that this application embodiment also provides a computer-readable storage medium, which stores a computer program executed by the transaction data processing device mentioned above. The computer program includes program instructions, and when the processor executes the program instructions, it can execute the aforementioned... Figure 4 and the preceding text Figure 6 The description of the transaction data processing method in the corresponding embodiments is already provided, and therefore will not be repeated here. Furthermore, the beneficial effects of using the same method will also not be repeated. For technical details not disclosed in the computer-readable storage medium embodiments related to this application, please refer to the description of the method embodiments of this application.

[0201] As an example, the above program instructions can be deployed and executed on a computer device, or deployed and executed on at least two computer devices in one location, or executed on at least two computer devices distributed in at least two locations and interconnected by a communication network. At least two computer devices distributed in at least two locations and interconnected by a communication network can form a blockchain network.

[0202] The aforementioned computer-readable storage medium can be a transaction data processing apparatus provided in any of the foregoing embodiments or a central storage unit of the aforementioned computer device, such as a hard disk or central storage of the computer device. The computer-readable storage medium can also be an external storage device of the computer device, such as a plug-in hard disk, smart media card (SMC), secure digital (SD) card, flash card, etc., provided on the computer device. Furthermore, the computer-readable storage medium may include both the central storage unit and external storage devices of the computer device. The computer-readable storage medium is used to store the computer program and other programs and data required by the computer device. The computer-readable storage medium can also be used to temporarily store data that has been output or will be output.

[0203] The terms "first," "second," etc., in the specification, claims, and drawings of this application are used to distinguish content in different media, rather than to describe a specific order. Furthermore, the term "comprising," and any variations thereof, are intended to cover non-exclusive inclusion. For example, a process, method, apparatus, product, or device that includes a series of steps or units is not limited to the listed steps or modules, but may optionally include steps or modules not listed, or may optionally include other step units inherent to these processes, methods, apparatuses, products, or devices.

[0204] This application also provides a computer program product, including a computer program / instructions, which, when executed by a processor, implement the foregoing description. Figure 4 and Figure 6 The description of the transaction data processing method in the corresponding embodiments is already provided, and therefore will not be repeated here. Furthermore, the beneficial effects of using the same method will also not be repeated. For technical details not disclosed in the embodiments of the computer program product involved in this application, please refer to the description of the method embodiments of this application.

[0205] Those skilled in the art will recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the components and steps of the various examples have been generally described in terms of functionality in the foregoing description. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementations should not be considered beyond the scope of this application.

[0206] The methods and related apparatus provided in this application are described with reference to the method flowcharts and / or structural diagrams provided in this application. Specifically, each block of the method flowchart and / or structural diagram, as well as combinations of blocks in the flowchart and / or block diagram, 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 network-connected device to create a machine, such that the instructions, which execute via the processor of the computer or other programmable network-connected device, generate instructions for implementing the process. Figure 1 A schematic diagram of one or more processes and / or structures. Figure 1 The computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable network-connected 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 A schematic diagram of one or more processes and / or structures. Figure 1 The functions specified in one or more boxes. These computer program instructions may also be loaded onto a computer or other programmable network-connected device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable device for implementing the process. Figure 1 A process or multiple processes and / or structures illustrate the steps of the functions specified in one or more boxes.

[0207] The above-disclosed embodiments are merely preferred embodiments of this application and should not be construed as limiting the scope of this application. Therefore, any equivalent variations made in accordance with the claims of this application shall still fall within the scope of this application.

Claims

1. A method for processing transaction data, characterized in that, include: In response to a transaction operation by a target object targeting a target product on a trading platform, transaction order data generated based on the transaction operation is displayed on the trading interface of the trading platform. Identify the payment platform to perform payment processing on the transaction order data; Obtain the target object's transaction account on the transaction platform, and determine the target object's open payment account on the payment platform based on the transaction account; the open payment account is an account associated with the transaction account and used by the target object to perform payment processing on the transaction platform using the payment platform. The target payment component embedded in the transaction platform is invoked, and payment processing is performed on the transaction order data in the transaction interface of the transaction platform based on the open payment account and the transaction account; the target payment component is compatible with the payment platform.

2. The method as described in claim 1, characterized in that, The step of invoking the target payment component embedded in the transaction platform, and performing payment processing on the transaction order data based on the open payment account and the transaction account in the transaction interface of the transaction platform, includes: Generate a payment request carrying the open payment account and the transaction account; The payment request is sent to the payment service device corresponding to the payment platform; the payment request is used to instruct the payment service device to generate a payment link when it determines that the open payment account and the transaction account are associated. The system receives a payment link sent by the payment service device, invokes the target payment component embedded in the transaction platform, and performs payment processing on the transaction order data according to the payment link in the transaction interface of the transaction platform.

3. The method as described in claim 2, characterized in that, The step of invoking the target payment component embedded in the transaction platform, and performing payment processing on the transaction order data according to the payment link in the transaction interface of the transaction platform, includes: The target payment component is invoked to display the payment link in the transaction interface of the transaction platform; In response to a touch operation on the payment link, the target payment component is invoked according to the payment link to obtain a list of candidate payment methods for the target object in the payment platform from the payment service device; The target payment component is invoked to display the list of candidate payment methods on the transaction interface of the transaction platform; The target payment component is invoked to perform payment processing on the transaction order data based on the list of candidate payment methods displayed in the transaction interface.

4. The method as described in claim 3, characterized in that, The candidate payment method list includes at least two candidate payment methods; the step of invoking the target payment component and performing payment processing on the transaction order data according to the candidate payment method list displayed on the transaction interface includes: In response to the selection operation of a candidate payment method from the list of candidate payment methods displayed in the transaction interface, the selected candidate payment method is used as the target payment method; Invoke the target payment component to obtain the payment password entered by the target object for the target payment method; The target payment component is invoked to encapsulate the payment password and the transaction order data to obtain a payment data packet associated with the payment platform; The payment data packet is sent to the payment service device, and the payment data packet is used to instruct the payment service device to perform payment processing on the transaction order data based on the payment password in the payment data packet.

5. The method as described in claim 4, characterized in that, The step of invoking the target payment component to encapsulate the payment password and the transaction order data to obtain a payment data packet associated with the payment platform includes: Obtain the data encapsulation template associated with the payment platform from the target payment component; According to the data encapsulation format in the data encapsulation template, the payment password and the transaction order data are encapsulated to obtain a payment data message; The payment data message is encrypted according to the data encryption method in the data encapsulation template to obtain a payment data packet associated with the payment platform.

6. The method as described in claim 1, characterized in that, The transaction platform embeds N candidate payment components adapted to the payment platform; N is a positive integer greater than 1. The step of invoking the target payment component embedded in the transaction platform, and performing payment processing on the transaction order data based on the open payment account and the transaction account in the transaction interface of the transaction platform, includes: Obtain the first payment processing log data of the candidate payment components among the N candidate payment components in the transaction platform within a first time period, as well as the transaction attribute characteristics of the target product; the transaction attribute characteristics include at least one of price change rate, unit price, transaction validity time, number of tradable products, and product type; The processing parameter identification layer in the target component selection model is invoked to identify the first payment processing log data of the candidate payment component Pi, thereby obtaining M payment processing performance parameters of the candidate payment component Pi; the candidate payment component Pi belongs to the N candidate payment components, i is a positive integer less than or equal to N, and M is a positive integer greater than 1; the M payment processing performance parameters include multiple of payment processing efficiency, payment processing security, and payment processing stability; The weight determination layer in the target component selection model is invoked to identify the transaction feature attributes of the target product and the M payment processing performance parameters, thereby obtaining the processing weights corresponding to the M payment processing performance parameters respectively. The component selection layer in the target component selection model is invoked, and the target payment component for performing payment processing on the transaction order data is selected from the N candidate payment components based on the M payment processing performance parameters and the processing weights corresponding to the M payment processing performance parameters. The target payment component is invoked, and payment processing is performed on the transaction order data based on the open payment account and the transaction account in the transaction interface of the transaction platform.

7. The method as described in claim 6, characterized in that, The step of invoking the component selection layer in the target component selection model, based on the M payment processing performance parameters and their corresponding processing weights, selects a target payment component from the N candidate payment components to perform payment processing on the transaction order data, including: The component selection layer in the target component selection model is invoked, and the M payment processing performance parameters are weighted and summed using the processing weights corresponding to the M payment processing performance parameters respectively, to obtain the payment processing performance score of the candidate payment component Pi. The candidate payment components with payment processing performance scores greater than the score threshold among the N candidate payment components are determined as the target payment components for performing payment processing on the transaction order data.

8. The method as described in claim 6, characterized in that, The method further includes: Obtain the second payment processing log data of the candidate payment components among the N candidate payment components within the second time period, and obtain the sample transaction attribute features and labeled payment components of the sample products in the transaction platform; the second time period is before the first time period, and the labeled payment components belong to the N candidate payment components; The candidate component selection model is invoked, and a candidate payment component matching the sample transaction attribute features is selected from the N candidate payment components based on the second payment processing log data. This candidate payment component is then used as the predictive payment component for performing payment processing on the sample transaction order data corresponding to the sample product. Based on the labeled payment component and the predicted payment component, the candidate component selection model is adjusted to obtain the target component selection model.

9. The method as described in claim 8, characterized in that, The step of adjusting the candidate component selection model based on the labeled payment component and the predicted payment component to obtain the target component selection model includes: Based on the labeled payment component and the predicted payment component, determine the component prediction error of the candidate component selection model; If the component prediction error is not in a convergent state, the candidate component selection model is adjusted according to the component prediction error to obtain the target component selection model.

10. The method as described in claim 1, characterized in that, The determination of the payment platform for performing payment processing on the transaction order data includes: The transaction interface of the transaction platform displays a list of payment platforms used to perform payment processing on the transaction order data; the list of payment platforms includes at least one candidate payment platform. In response to the selection operation of the candidate payment platform in the list of payment platforms, the selected candidate payment platform is determined as the payment platform for performing payment processing on the transaction order data.

11. The method as described in claim 1, characterized in that, The method further includes: Generate a permission request for the target object to use the payment platform for payment processing on the transaction platform; the permission request carries the object information of the target object and the platform information of the transaction platform; The permission activation request is sent to the payment service device corresponding to the payment platform. The permission activation request instructs the payment service device to generate an open payment account for the target object on the payment platform when it determines that the target object is legitimate based on the object information carried in the permission activation request and that the transaction platform is legitimate based on the platform information carried in the permission activation request. The open payment account and the target object's transaction account on the transaction platform are then associated and stored together. The open payment account is then sent to the transaction service device. The open payment account instructs the transaction service device to associate and store the open payment account and the target object's transaction account on the transaction platform. The step of determining the target object's open payment account on the payment platform based on the transaction account includes: In the transaction service device corresponding to the transaction platform, query the open payment account associated with the transaction account, which is the open payment account of the target object in the payment platform.

12. A transaction data processing apparatus, characterized in that, include: The display module is used to respond to the transaction operation of the target object for the target product in the trading platform and to display the transaction order data generated according to the transaction operation in the trading interface of the trading platform. The determination module is used to determine the payment platform used to perform payment processing on the transaction order data; obtain the transaction account of the target object in the transaction platform, and determine the open payment account of the target object in the payment platform based on the transaction account; the open payment account is an account associated with the transaction account and used by the target object to use the payment platform to perform payment processing in the transaction platform; The processing module is used to call the target payment component embedded in the transaction platform, and perform payment processing on the transaction order data according to the open payment account and the transaction account in the transaction interface of the transaction platform; the target payment component is compatible with the payment platform.

13. A computer device, characterized in that, include: Processor and memory; The processor is connected to a memory; the memory is used to store program code, and the processor is used to occupy the program code to execute the method as described in any one of claims 1-11.

14. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, the computer program including program instructions that, when executed by a processor, cause the processor to perform the method as described in any one of claims 1-11.

15. A computer program product comprising a computer program / instructions, characterized in that, When the computer program / instructions are executed by the processor, they implement the steps of the method according to any one of claims 1-11.

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