Transaction data processing method and apparatus, storage medium, and electronic device
By segmenting online and offline processes, freezing and verifying credit limit resource flows, the complexity and real-time issues of credit limit accounting in online transactions are resolved, enabling timely and stable credit limit accounting.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- CHONGQING ANT CONSUMER FINANCE CO LTD
- Filing Date
- 2023-11-03
- Publication Date
- 2026-06-19
Smart Images
Figure CN117391845B_ABST
Abstract
Description
Technical Field
[0001] This specification relates to the field of online payment, and in particular to a transaction data processing method, apparatus, storage medium, and electronic device. Background Technology
[0002] With the continuous development of online transactions, more and more people are choosing to shop online on electronic trading platforms. The range of products involved in these transactions is becoming increasingly diverse, and the amounts involved are also increasing. For electronic trading platforms that provide transaction matching services for merchants and users, offering installment payment options for transaction products can enhance users' willingness to participate in transactions. Furthermore, introducing a credit system can allocate credit limits to users for installment payments.
[0003] Bookkeeping typically involves recording accounting information chronologically and categorized into accounts. In the process of handling credit limit transactions within a financial processing system, in addition to recording the transaction itself, it is also necessary to record the accounting data related to that transaction.
[0004] However, the different ways of extending credit to users include joint ventures where consumer finance institutions and financial institutions jointly invest, and self-operated models where consumer finance institutions or financial institutions invest alone. These different investment models and collaborations between multiple institutions lead to the complexity of credit limit accounting, and the current accounting methods are difficult to meet the timeliness and stability requirements of online transactions. Summary of the Invention
[0005] This specification provides a transaction data processing method, apparatus, storage medium, and electronic device, which can solve some or all of the problems mentioned above. The technical solution is as follows:
[0006] Firstly, embodiments of this specification provide a transaction data processing method, the transaction data processing method comprising:
[0007] Obtain user requests for access to first-transaction data during user-merchant interactions;
[0008] Based on the application, a pre-selected organization is determined, the target resources corresponding to the pre-selected organization are frozen and recorded, and a first recording result is obtained. The value of the target resource is the value required by the application.
[0009] Verify the first record result, determine the target institution based on the verification result, and aggregate the target resources corresponding to the target institution to the merchant.
[0010] Secondly, embodiments of this specification provide a transaction data processing apparatus, the transaction data processing apparatus comprising:
[0011] The application acquisition module is used to acquire the user's and merchant's application for the use of the first transaction data during the interaction process;
[0012] The first recording module is used to determine the pre-selected institution based on the application, freeze and record the target resources corresponding to the pre-selected institution, and obtain the first recording result, wherein the value of the target resource is the value required by the application.
[0013] The record verification module is used to verify the first record result, determine the target institution based on the verification result, and aggregate the target resources corresponding to the target institution to the merchant.
[0014] Thirdly, embodiments of this specification provide a computer storage medium storing a plurality of instructions adapted for loading by a processor and executing the above-described method steps.
[0015] Fourthly, embodiments of this specification provide a computer program product that stores multiple instructions adapted for loading by a processor and executing the above-described method steps.
[0016] Fifthly, embodiments of this specification provide an electronic device that may include: a processor and a memory; wherein the memory stores a computer program adapted to be loaded by the processor and to execute the above-described method steps.
[0017] The beneficial effects of the technical solutions provided in some embodiments of this specification include at least the following:
[0018] In the embodiments of this specification, during the interaction between a user and a merchant, a user request for the use of the first transaction data is obtained. A pre-selected institution is then identified, the target resources required for the use request corresponding to the pre-selected institution are frozen and recorded, the record results are further verified, the target institution is determined based on the verification results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the use request is designed as a two-stage process. The first stage of the resource flow is applied to the online link between the user and the merchant, specifically freezing the target resources required for the use request. The second stage of the resource flow is mainly applied to the offline link for verifying the record results, specifically unfreezing the target resources and aggregating them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of institutional transaction data and the capping decision. On the other hand, the process of processing institutional transaction data is decoupled from the process of users initiating use requests and using transaction data. The online link does not participate in the capping decision of initiating use requests through the pre-selected institution method, while the offline link provides a safety net for the actual funding target institution, solving the problems of low real-time performance of transaction data processing and its inability to be applied to the online link. Attached Figure Description
[0019] To more clearly illustrate the technical solutions in the embodiments or prior art of this specification, the drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.
[0020] Figure 1 This is a schematic diagram of the architecture of a transaction data processing account provided in the embodiments of this specification;
[0021] Figure 2 This is a flowchart illustrating a transaction data processing method provided in an embodiment of this specification;
[0022] Figure 3 This is a schematic diagram of the structure of a transaction data processing method provided in the embodiments of this specification;
[0023] Figure 4 This is a flowchart illustrating a transaction data processing method provided in an embodiment of this specification;
[0024] Figure 5 This is a schematic diagram of a resource flow for a usage application provided in an embodiment of this specification;
[0025] Figure 6 This is a schematic diagram of the structure of a transaction data processing method provided in the embodiments of this specification;
[0026] Figure 7 This is a schematic diagram of the structure of a transaction data processing device provided in the embodiments of this specification;
[0027] Figure 8 This is a schematic diagram of the structure of an electronic device provided in the embodiments of this specification. Detailed Implementation
[0028] The technical solutions in the embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this specification, and not all embodiments. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this specification.
[0029] In the description of this specification, it should be understood that the terms "first," "second," etc., are used for descriptive purposes only and should not be construed as indicating or implying relative importance. In the description of this specification, it should be noted that, unless otherwise expressly specified and limited, "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion. For example, a process, method, system, product, or device that includes a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units not listed, or may optionally include other steps or units inherent to these processes, methods, products, or devices. Those skilled in the art can understand the specific meaning of the above terms in this specification based on the specific circumstances. Furthermore, in the description of this specification, unless otherwise stated, "multiple" means two or more. "And / or" describes the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A alone, A and B simultaneously, and B alone. The character " / " generally indicates that the preceding and following related objects are in an "or" relationship.
[0030] The present specification will now be described in detail with reference to specific embodiments.
[0031] It should be noted that the information (including but not limited to user device information, user personal information, etc.), data (including but not limited to data used for analysis, stored data, displayed data, etc.), and signals involved in the embodiments of this specification are all authorized by the user or fully authorized by all parties, and the collection, use, and processing of related data must comply with the relevant laws, regulations, and standards of the relevant countries and regions. For example, the user information involved in this specification was obtained with full authorization.
[0032] Transaction data refers to data related to credit limits. A credit limit can be understood as a series of limits related to credit transactions. Credit refers to funds directly provided by commercial banks to non-financial institution users, or guarantees made by banks for potential compensation or payment liabilities in related economic activities. This includes on-balance-sheet transactions such as loans, trade finance, bill financing, financial leasing, overdrafts, and various advances, as well as off-balance-sheet transactions such as bill acceptance, issuance of letters of credit, guarantees, standby letters of credit, letter of credit confirmation, bond issuance guarantees, loan guarantees, recourse asset sales, and unused irrevocable loan commitments. In other words, a credit granting institution is an institution that directly provides financial support to users or guarantees users' creditworthiness in related economic activities to third parties; it can also be understood as a participant in a transaction providing credit services.
[0033] A credit line refers to a limit on the amount of resources a user is granted within a specified period, based on their credit information and the value of their various assets. The user has the right to use these resources within that limit during the specified period. While the user has the right to withdraw or use these resources, they are also required to repay them within the agreed-upon period after use.
[0034] like Figure 1 As shown, Figure 1 This is a schematic diagram of the architecture of a transaction data processing account provided in the embodiments of this specification. Figure 1 The diagram illustrates a transaction data processing method applied to a credit granting service scenario. The architecture includes user 101, merchant 102, and multiple institutions, including at least institution 103, institution 104, institution 105, and institution 106. It is understood that... Figure 1 The number of organizations, user images, merchant images, and types shown are for illustrative purposes only, and this specification does not impose any limitations on them.
[0035] Credit granting institutions such as Institution 103, Institution 104, Institution 105, and Institution 106 can be understood as a cluster of one or more servers. Each institution receives requests or information through multiple configured interfaces and provides corresponding data or services based on the request content. These multiple servers can be multiple physical servers, which are hardware-independent; or multiple virtual servers deployed in the same hardware resource pool. The deployment methods of virtual servers include, but are not limited to, VMware, VirtualBox, and Virtual PC. Each institution provides credit services to users based on the corresponding credit granting protocol.
[0036] User 101 intends to purchase goods sold by merchant 102. Figure 1 Using fruit as a representative commodity, a user initiates a usage application for the first transaction data to institution 103 through a terminal device. When the transaction data represents the total credit limit, the usage application is considered a credit application. The following explanation uses the first transaction data as the total credit limit and the usage application as a credit application as an example.
[0037] Terminal devices include, but are not limited to, physical or virtual servers, mobile stations (MS), mobile terminals, mobile phones, handsets, portable equipment, Bluetooth headsets, smartwatches, etc. These electronic devices can communicate with one or more core networks via a Radio Access Network (RAN). It is understood that the embodiments in this specification do not limit the types of the aforementioned electronic devices. In the embodiments of this specification, the terminal device may also be equipped with a display device. The display device can be any device capable of displaying functions, such as a cathode ray tube display (CR), a light-emitting diode display (LED), an electronic ink screen, a liquid crystal display (LCD), a plasma display panel (PDP), etc. User 101 can use the display device on the terminal device to view displayed text, images, videos, and other information, and send instructions to the electronic device through the display device. For example, by long-pressing, clicking, or double-clicking the display device on the terminal device, the user can send instructions to the terminal device. These instructions include sending a credit application for the total credit limit to institution 103 through the terminal device.
[0038] The total credit line refers to the total credit limit provided to a user by one or more credit institutions through joint ventures or self-operation, after comprehensively evaluating the user's characteristic information. User characteristic information can be understood as information used to characterize the user's identity and assess their credit limit. For example, user characteristic information includes at least one or more of the following: geographic location information, credit limit information, interest rate information, and business characteristic information. Geographic location information indicates the user's address; credit limit information represents the user's historical credit limit, remaining credit limit, or other credit data; interest rate information represents the user's historical credit interest rate and other interest rate data; and business characteristic information represents the nature of the user's business, such as whether the user is a sole proprietor or works for a listed company.
[0039] For example, user characteristic information also includes user device data, basic user data, user borrowing behavior data, and user risk default data. User device data includes device location data, activity category data, and application list data, such as the number of times an application was installed or uninstalled in the past three months. Basic user data includes information such as occupation and education level provided during credit assessment. User borrowing behavior data is generated when a user engages in borrowing activities, such as loan amount, loan duration, and number of loans. User risk default data is generated when a user defaults, such as overdue amount and overdue duration. Frequent changes in user location and multiple downloads of loan-related apps indicate relatively poor user creditworthiness and high risk; the credit granting platform will grant the user a lower total credit limit, meaning the user's creditworthiness is poor. Conversely, users with relatively better creditworthiness and lower risk will receive a higher credit limit, meaning their creditworthiness is better.
[0040] In one embodiment, the method for obtaining user feature information may be that the user sends it to another terminal device through the user's corresponding terminal device, and the terminal device further sends the user's feature information to the authorization institution. For example, user 101 sends the user's feature information to the terminal device through the input device or display device of the terminal device by means of touch, remote control, voice, or click, or user 101 authorizes the terminal device to obtain the user's feature information, such as authorizing the terminal device to obtain the user's feature information in local memory or other platforms based on the user's authorization, such as the user authorizing the terminal device by means of facial recognition or fingerprint recognition.
[0041] In this embodiment, as Figure 1 As shown, User 101's total credit limit is 10,000 yuan, and the credit limit required for User 101's credit application is 50 yuan. Here, a credit application can be understood as an application to use or occupy part or all of the total credit limit, and the credit limit is the amount required for the credit application.
[0042] User 101's terminal device can communicate with multiple organizations through communication links established based on communication protocols, such as gRPC. gRPC is a high-performance, general-purpose, open-source Remote Procedure Call (RPC) framework primarily designed for mobile application development and based on the HTTP / 2 protocol standard. It is developed using Protocol Buffers (PB) serialization and supports numerous programming languages. Communication links can be wireless or wired. For example, wired communication links include fiber optic cables, twisted-pair cables, or coaxial cables, while wireless communication links include Bluetooth, Wi-Fi, or microwave communication links.
[0043] When Institution 103 receives a credit application from User 101, it needs to record the application and related accounting information. When the first transaction data is the total credit limit, this recording action can be understood as bookkeeping, which means sequentially and categorizedly registering the accounting information to the account and providing corresponding credit services to User 101 in response to the credit application. However, since the methods of granting credit to users include joint ventures with multiple institutions contributing funds, as well as self-operated models with individual contributions, the different funding models and cooperation between multiple institutions lead to the complexity of credit limit bookkeeping, and the current bookkeeping methods are difficult to meet the timeliness and stability requirements of online transactions.
[0044] Therefore, embodiments of this specification propose a transaction data processing method to solve some or all of the above-mentioned problems. In one embodiment, such as Figure 2 The diagram illustrates a transaction data processing method proposed in an embodiment of this specification. This method can be implemented using a computer program and can run on a transaction data processing device based on the von Neumann architecture. The computer program can be integrated into an application or run as a standalone utility application.
[0045] Specifically, the transaction data processing method includes:
[0046] S102, Obtain the user's request to use the first transaction data during the interaction between the user and the merchant.
[0047] This embodiment uses the first transaction data as the total credit limit and the application as a credit application as an example for explanation.
[0048] The total credit limit is the total credit line granted to a user by one or more credit institutions through joint ventures or self-operation, after comprehensively evaluating the user's characteristics. The institution providing the total credit limit obtains the user's credit application related to that total credit limit, such as... Figure 1As shown, institution 103 receives a credit application from user 101 via a terminal device for a total credit limit of 10,000 yuan, with the required credit limit being 50 yuan.
[0049] Based on the credit application, the institution can obtain the required credit limit, as well as other information needed for processing transaction data, such as user information, merchant information, and order creation time. User information includes the user's total credit limit, available credit, and other credit-related information. Merchant information includes merchant identity information and merchant account information; for example, merchant identity information includes business name and business address, while merchant account information includes information about the merchant's expenditure accounts.
[0050] S104. Determine the pre-selected organization based on the application, freeze the target resources corresponding to the pre-selected organization and record them to obtain the first recording result.
[0051] The target resource value is the value required for the application. The following explanation uses a credit application as an example, where the value required for the application is the credit limit required for the credit application.
[0052] Based on the credit application, the pre-selected institutions for funding are determined using usage rules, i.e., credit granting rules, and decision-making algorithms or models. For example, a greedy algorithm (also known as a greedy algorithm) can be used to determine the pre-selected institutions for funding. A greedy algorithm always makes the choice that seems better at the moment when solving a problem. In other words, a greedy algorithm does not consider the overall situation and obtains a locally better solution in some sense.
[0053] In one embodiment, pre-selected institutions are determined based on preset usage rules and usage applications. The target resources corresponding to these pre-selected institutions are frozen and recorded, resulting in a first recording result. The usage rules are the credit granting rules, which include the credit granting rules in the credit agreements established between each institution and the user. The specific content of the credit granting rules is set as needed by relevant personnel of each institution. In other words, in this embodiment, the pre-selected institutions for funding are determined by comprehensively considering the credit granting rules between each institution and the user, as well as the specific content of the credit application, such as the type of merchant corresponding to the credit application and the credit limit of the application.
[0054] After the pre-selected institutions are determined based on the credit application, the target resources in the pre-selected institutions' accounts will be frozen. Target resources can be any resources that meet the credit requirements and satisfy the credit limit, such as cash, funds, government bonds, bonds, foreign exchange, and stocks; this specification does not limit this. For example, if... Figure 1As shown, institution 103 determines the pre-selected institutions as institutions 103 and 104. That is, institutions 103 and 104 respond to user 101's credit application through joint operation. The pre-selected institutions include institutions 103 and 104. The accounts of the pre-selected institutions are the settlement accounts of institutions 103 and 104 that jointly provide credit services. Freezing the target resources in the accounts of the pre-selected institutions means freezing the target resources in the settlement accounts of institutions 103 and 104 that jointly provide credit services, and the amount of the target resources is the amount required for the credit application.
[0055] After executing the credit granting action of determining a pre-selected institution and freezing the target resources in the pre-selected institution's account, the specific details of the aforementioned credit granting action are recorded to obtain a first recording result. In one embodiment, a pre-selected institution is determined based on a usage application, the target resources corresponding to the pre-selected institution are frozen, and the results are recorded according to preset fusion recording rules to obtain a first recording result. For example... Figure 3 As shown, Figure 3 This is a schematic diagram of the structure of a transaction data processing method provided in the embodiments of this specification, based on... Figure 3 The structure shown integrates the credit limit recording rules. Figure 3 In this context, the first transaction data is the total credit limit, and the fusion record rule is the record rule for the fusion limit.
[0056] Specifically, User 201's total credit limit includes a fixed limit and a temporary limit. The fixed limit type includes at least the general fixed limit type, and the temporary limit type includes at least the general temporary limit, scenario-based temporary limit, and special-purpose temporary limit types. A fixed limit can be understood as a credit limit of a fixed type granted to a user by an institution, which is generally valid for a long period of time. A temporary limit can be understood as a credit limit granted to a user by an institution temporarily, which is generally temporary and has a short validity period.
[0057] Because the credit agreements between different institutions and users vary, the total credit limit provided to users by each institution includes multiple types, such as scenario-based temporary credit limits and special-purpose temporary credit limits, which arise from the credit agreement for consumer finance temporary credit limits. This is understandable. Figure 3 The types of fixed and temporary credit limits shown are for illustrative purposes only. This manual also includes other types of fixed or temporary credit limits, and the fixed and temporary credit limits corresponding to each user are not exactly the same. This manual does not impose any restrictions on this.
[0058] During interaction with a merchant, User 201 initiates a credit application targeting the total credit limit. Based on this application, user-side records are generated, including the usage of various types of credit limits. At the institution-side, records are aggregated based on different business models. Aggregated credit limits can be understood as combining fixed, temporary, and other types of credit limits into a single, uniformly sized credit limit. For example... Figure 3 As shown, Institution 202 records only the joint venture credit limit and the self-operated credit limit, and Institution 203 records only the joint venture credit limit and the self-operated credit limit, without considering the usage of each type of credit limit in the user's record results. The above recording rules are the credit limit recording rules described in this manual.
[0059] Based on the preset fusion credit limit recording rules provided in the embodiments of this specification, the behavior of freezing the target resources in the account of the pre-selected institution is recorded to obtain the first recording result. This can effectively reduce the complexity of the institution's recording, improve the recording efficiency, and improve the efficiency of subsequent verification of whether the credit limit conforms to the capping rules based on the first recording result.
[0060] S106. Verify the results of the first record, determine the target institution based on the verification results, and collect the target resources corresponding to the target institution to the merchant.
[0061] The system verifies the freezing operations of target resources in the pre-selected institutions in the first record result. It then checks whether the value of the frozen target resources exceeds the value of the second transaction data for that pre-selected institution, according to the capping rule. The second transaction data represents the credit limit granted by the pre-selected institution to the user. Further, based on the detection result, it determines whether the pre-selected institution is the target institution. If it is, the frozen target resources in the pre-selected institution are aggregated to the merchant, such as by settling the target resources into the merchant's account. If the pre-selected institution is not the target institution, a new target institution is determined, and the target resources corresponding to the target institution are aggregated to the merchant.
[0062] Specifically, such as Figure 4 As shown, Figure 4 This is a schematic flowchart of a transaction data processing method provided in an embodiment of this specification. The transaction data processing flow includes online links and offline links. Figure 4 The diagram shows the application of the transaction data processing method in a credit service-related scenario. The first transaction data is the total credit limit, the application is the credit application, the value required for the application is the credit limit, the recording result is the accounting result, and the second transaction data of the pre-selected institution is the credit limit granted to the user by the pre-selected institution.
[0063] On the online connection, user 301 initiates a credit application for the total credit limit, which includes the credit limit. For example... Figure 1 As shown, the total credit limit is 10,000 yuan, and the credit limit applied for is 50 yuan.
[0064] Furthermore, a credit capping test is performed on the user's end, that is, to determine whether the credit limit exceeds the available credit limit of the total credit limit. The available credit limit can be understood as the remaining credit limit after deducting the used amount from the total credit limit. Figure 1 As shown, the available credit is 5,000 yuan.
[0065] When the credit limit capping test on the user's end indicates that the available credit is sufficient (i.e., the credit limit is less than the available credit), the payment system 3021 determines a pre-selected institution 303 based on the credit application and freezes the target resource in the pre-selected institution 303's account with a credit limit equal to the credit limit. The accounting system 3022 then records this action. For example, it freezes a target resource of 50 yuan in the settlement account of the institution jointly operated by pre-selected institution 303 and the corresponding institution of payment system 3031 providing credit services. When the credit limit capping test on the user's end indicates that the available credit is insufficient (i.e., the credit limit requested by user 301 exceeds the available credit), the credit application is rejected, or a message to the user to increase the total credit limit is sent.
[0066] On the offline link, a credit capping test is performed based on the records obtained from the online link, that is, to determine whether the frozen target resource limit of the pre-selected institution exceeds the credit limit of the pre-selected institution. For example, if a target resource limit of 50 yuan is frozen in the settlement account of pre-selected institution 303 and its affiliated credit service provider, of which 40 yuan of target resource belonging to pre-selected institution 303 is frozen, it is determined whether this part of the limit exceeds the credit limit granted by pre-selected institution 303 to user 301.
[0067] If the credit limit of the pre-selected institution is deemed sufficient based on the credit capping test results from the institution's end, and pre-selected institution 303 is identified as the target institution, then the target resources in the account of pre-selected institution 303 are settled to the account of merchant 304 through payment system 3021. For example, a target resource of RMB 50 is frozen in the settlement account of the institution providing credit services jointly operated by pre-selected institution 303 and payment system 3031, and then the target resource is further settled to the account of merchant 304.
[0068] When the credit limit of a pre-selected institution is insufficient according to the credit capping test results from the institution's end, the target resources in the pre-selected institution's account are unfrozen. Based on this constraint, a new target institution 304, different from the pre-selected institution 303, is determined through other algorithms or models. The target resources in the account of the newly determined target institution 304 are then settled to merchant 304 through payment system 3021. For example, if it is determined that the frozen target resources of 40 yuan corresponding to the pre-selected institution 304 exceed the credit limit granted by the pre-selected institution 304 to user 301, the target resources are unfrozen, and a new target institution 304 is determined. The target resources in the settlement account of the joint credit service provider corresponding to the institution 304 and payment system 3021 are then settled to merchant 304's account.
[0069] In this embodiment, as Figure 5 As shown, Figure 5 This is a schematic diagram of the resource flow for a credit limit provided in the embodiments of this specification. Figure 4 The diagram illustrates how transaction data processing methods are applied in credit granting service scenarios. For example... Figure 5 This includes the expenditure account corresponding to merchant 401, the expenditure account corresponding to institution 402, the expenditure account corresponding to institution 403, and the transitional account jointly operated by institution 402 and institution 403. Institution 402 can be understood as the institution that executes the transaction data processing method, and institution 403 can be understood as the pre-selected institution that institution 403 pre-selects in the online link based on the user's application.
[0070] In the offline process, when the credit limit assessment by the institution is sufficient, the target resources corresponding to institutions 402 and 403 are aggregated to the merchant. This means that the target resources with a credit limit in the transitional account jointly operated by institutions 402 and 403 are settled to the expenditure account of merchant 401. When the credit limit assessment by the institution is insufficient, institution 403 is not the target institution. The target resources funded by institution 403 in the transitional account jointly operated by institutions 402 and 403 are refunded to institution 403's expenditure account. Institution 402 then becomes the target institution, and the target resources in institution 402's expenditure account with a refunded amount are aggregated to the transitional account. Furthermore, the target resources with a credit limit in the transitional account are settled to the expenditure account of merchant 401.
[0071] In one embodiment, a second recording result is obtained by verifying the first recording result, determining the target institution based on the verification result, and aggregating and recording the target resources corresponding to the target institution to the merchant. In other words, the actions of determining the target institution and settling the target resources in the target institution's account to the merchant's account are recorded to obtain the second recording result. The second recording result may include the action of unfreezing the target resources in the pre-selected institution's account, as well as the specific content related to the credit limit for each action, i.e., the values or actions related to the transaction data. In this embodiment, a fusion recording rule used to obtain the first recording result can be adopted to record the second recording result. Through the obtained second recording result, relevant personnel can verify the actions related to the transaction data, such as the target resource settlement merchant corresponding to the target institution, to ensure the correctness of the above actions and corresponding content.
[0072] In the embodiments of this specification, during the interaction between a user and a merchant, a user request for the use of the first transaction data is obtained. A pre-selected institution is then identified, the target resources required for the use request corresponding to the pre-selected institution are frozen and recorded, the record results are further verified, the target institution is determined based on the verification results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the use request is designed as a two-stage process. The first stage of the resource flow is applied to the online link between the user and the merchant, specifically freezing the target resources required for the use request. The second stage of the resource flow is mainly applied to the offline link for verifying the record results, specifically unfreezing the target resources and aggregating them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of institutional transaction data and the capping decision. On the other hand, the process of processing institutional transaction data is decoupled from the process of users initiating use requests and using transaction data. The online link does not participate in the capping decision of initiating use requests through the pre-selected institution method, while the offline link provides a safety net for the actual funding target institution, solving the problems of low real-time performance of transaction data processing and its inability to be applied to the online link.
[0073] In one embodiment, such as Figure 6 The diagram illustrates a transaction data processing method proposed in an embodiment of this specification. This method can be implemented using a computer program and can run on a transaction data processing device based on the von Neumann architecture. The computer program can be integrated into an application or run as a standalone utility application.
[0074] Specifically, the transaction data processing method includes:
[0075] S202. Obtain credit applications for the total credit limit during the interaction between users and merchants.
[0076] See S102 above, which will not be repeated here.
[0077] S204. Check whether the value required for the application exceeds the value of the first transaction data.
[0078] Specifically, based on the capping rule, it checks whether the value required for the credit application exceeds the value of the first transaction data, or exceeds the available portion of the first transaction data. Taking the first transaction data as the total credit limit as an example, the available portion of the first transaction data is the available credit limit, and the application is a credit application. The order amount contained in the order information of the obtained credit application is used as the credit limit, and the order amount is compared with the user's available portion of the total credit limit. If the order amount is less than or equal to the available credit limit, it indicates that the user's remaining credit limit can meet the payment for the current transaction order, that is, the credit limit required for the credit application does not exceed the total credit limit, and in response to the credit application, S206 is executed. If the order amount is greater than the available credit limit, it indicates that the credit limit required for the credit application exceeds the total credit limit, and the credit application does not meet the capping rule, and S216 is executed.
[0079] In one embodiment, in response to the credit application, the order platform renders the settlement page of the transaction order, displays the status indicator of the payment channel corresponding to the available credit limit on the settlement page, and displays the rendered settlement result on the display device of the electronic device. The user submits the payment instruction for the transaction order by triggering the payment control on the settlement page, and the order platform further notifies the user of successful settlement.
[0080] S206. If the credit limit required for the credit application does not exceed the total credit limit, determine the pre-selected institution based on the credit application, freeze the target resources in the pre-selected account and record them to obtain the first record result.
[0081] See S104 above, which will not be repeated here.
[0082] S208. Check whether the value required for the application used in the first record result exceeds the value of the second transaction data of the pre-selected institution.
[0083] Specifically, the freeze operation on the target resource in the pre-selected institution is checked in the first record result, and the value of the frozen target resource is checked according to the capping rule to see if it exceeds the value of the second transaction data of the pre-selected institution.
[0084] Understandably, when an institution responding to a credit application selects a pre-selected institution and provides credit services for a joint venture, the frozen account is the settlement account of the joint venture between the responding institution and the pre-selected institution, and the frozen amount in that settlement account is the target resource of the credit limit. When checking whether the credit limit in the first record exceeds the pre-selected institution's credit limit, what is actually being checked is whether the amount of the frozen target resource belonging to the pre-selected institution in the settlement account exceeds the pre-selected institution's credit limit.
[0085] S210. If the value required for the application in the first record result exceeds the value of the second transaction data of the pre-selected institution, a target institution different from the pre-selected institution shall be determined.
[0086] Based on constraints that differ from pre-selected institutions and that the value required for the application is less than or equal to the value of the target institution's second transaction data, the target institution for the safety net funding is determined using rules and decision algorithms or decision models. For example, a greedy algorithm (also known as a greedy algorithm) can be used to determine the target institution for the safety net funding.
[0087] In one embodiment, if the value required for the application in the first recorded result exceeds the value of the second transaction data of the pre-selected institution, the institution with a joint venture relationship with the pre-selected institution is identified as the target institution. Taking the application as a credit application as an example, the institution responding to the credit application and the pre-selected institution jointly provide credit services to the user, that is, the target resource of the credit limit is frozen from the settlement account of the joint venture between the institution responding to the credit application and the pre-selected institution. The institution responding to the credit application can be a consumer finance institution, which, based on legal joint venture rules, jointly provides credit services to the user with a non-consumer finance institution and funds the user's credit application. When the credit limit exceeds the credit limit of the pre-selected institution, the institution responding to the credit application changes the joint venture business model to a self-operated business model, and provides the target resource of the credit limit through its own settlement account or by pooling resources to the joint venture's settlement account.
[0088] In one embodiment, if the value required for the application in the first record result exceeds the value of the second transaction data of the pre-selected institution, a target institution different from the pre-selected institution is determined, and the target resources corresponding to the pre-selected institution are unfrozen. For example... Figure 5 As shown, when the credit limit assessment result of the institution is insufficient, institution 403 is not the target institution. The target resources contributed by institution 403 in the transitional account jointly operated by institutions 402 and 403 are refunded to the expenditure account of institution 403. Institution 402 becomes the target institution, and the target resources in the expenditure account of institution 402 with the amount of the refunded amount are collected into the transitional account. Furthermore, the target resources in the transitional account with the amount of the credit limit are settled to the expenditure account of merchant 401.
[0089] S212. Settle the target resources in the target institution's account to the merchant's account.
[0090] The target resources, with a credit limit equal to the credit line, are settled from the target institution's account or an account jointly providing credit services with the target institution to the merchant's account, completing the entire process of resource flow settlement. For example... Figure 5As shown, it will not be elaborated further here.
[0091] S214. If the value required for the application used in the first record result does not exceed the value of the second transaction data of the pre-selected institution, the pre-selected institution shall be used as the target institution.
[0092] If the value required for the application in the first record result exceeds the value of the second transaction data of the pre-selected institution, the pre-selected institution may make the investment as the target institution. For example... Figure 5 As shown, when the credit capping result of the institution is sufficient, the target resources with a credit limit in the transitional account of the joint venture of institutions 402 and 403 will be settled to the expenditure account of merchant 401.
[0093] S216. If the value required for the application exceeds the value of the first transaction data, the application shall be rejected.
[0094] The credit application is invalid if the requested amount exceeds the amount in the first transaction data, or exceeds the available portion of the first transaction data. For example, if the requested credit limit exceeds the total credit limit, or exceeds the available portion of the total credit limit, the credit application is invalid. For instance, if a user's requested credit limit is 10,000 yuan, and the total credit limit is 5,000 yuan, or if the total credit limit is 20,000 yuan but the available portion is only 5,000 yuan, the credit application is invalid. Because the credit application is invalid, it is rejected, or a message to the user increasing the total credit limit is sent.
[0095] In the embodiments of this specification, during the interaction between a user and a merchant, a user request for the use of the first transaction data is obtained. A pre-selected institution is then identified, the target resources required for the use request corresponding to the pre-selected institution are frozen and recorded, the record results are further verified, the target institution is determined based on the verification results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the use request is designed as a two-stage process. The first stage of the resource flow is applied to the online link between the user and the merchant, specifically freezing the target resources required for the use request. The second stage of the resource flow is mainly applied to the offline link for verifying the record results, specifically unfreezing the target resources and aggregating them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of institutional transaction data and the capping decision. On the other hand, the process of processing institutional transaction data is decoupled from the process of users initiating use requests and using transaction data. The online link does not participate in the capping decision of initiating use requests through the pre-selected institution method, while the offline link provides a safety net for the actual funding target institution, solving the problems of low real-time performance of transaction data processing and its inability to be applied to the online link.
[0096] The following are embodiments of the apparatus described in this specification, which can be used to execute the embodiments of the methods described in this specification. For details not disclosed in the apparatus embodiments of this specification, please refer to the embodiments of the methods described in this specification.
[0097] Please see Figure 7 This diagram illustrates the structure of a transaction data processing apparatus provided in an exemplary embodiment of this specification. The transaction data processing apparatus can be implemented as all or part of an apparatus through software, hardware, or a combination of both. The transaction data processing apparatus includes an application acquisition module 701, a first recording module 702, and a record verification module 703.
[0098] The application acquisition module 701 is used to acquire the user's application for the use of the first transaction data during the interaction between the user and the merchant;
[0099] The first recording module 702 is used to determine the pre-selected institution according to the application, freeze and record the target resources corresponding to the pre-selected institution, and obtain the first recording result, wherein the value of the target resource is the value required by the application.
[0100] The record verification module 703 is used to verify the first record result, determine the target institution based on the verification result, and aggregate the target resources corresponding to the target institution to the merchant.
[0101] In one embodiment, the record verification module 703 includes:
[0102] The first verification unit is used to verify whether the value required for the application in the first record result exceeds the value of the second transaction data corresponding to the pre-selected institution.
[0103] The first determining unit is configured to determine a target institution that is different from the pre-selected institution when the value required for the application exceeds the value of the second transaction data corresponding to the pre-selected institution.
[0104] The target settlement unit is used to aggregate the target resources corresponding to the target institution to the merchant.
[0105] In one embodiment, the target determination unit includes:
[0106] The unfreezing subunit is used to determine a target institution different from the pre-selected institution and unfreeze the target resources corresponding to the pre-selected institution when the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution.
[0107] In one embodiment, the first determining unit includes:
[0108] The determination subunit is used to determine the target institution if the value required for the application exceeds the value of the second transaction data corresponding to the pre-selected institution.
[0109] In one embodiment, the record verification module 703 further includes:
[0110] The second determining unit is configured to designate the pre-selected institution as the target institution if the value required for the application does not exceed the value of the second transaction data corresponding to the pre-selected institution.
[0111] In one embodiment, the transaction data processing apparatus further includes:
[0112] The data detection module is used to detect whether the value required for the application exceeds the value of the first transaction data;
[0113] The first recording module 702, if the value required by the application does not exceed the value of the first transaction data, determines the pre-selected institution based on the application, freezes the target resources corresponding to the pre-selected institution and records them, and obtains the first recording result.
[0114] In one embodiment, the first recording module 702 includes:
[0115] The first recording unit is used to determine the pre-selected institution according to the preset usage rules and the usage application, freeze the target resources corresponding to the pre-selected institution and record them to obtain the first recording result.
[0116] In one embodiment, the transaction data processing apparatus further includes:
[0117] The second recording module is used to verify the first recording result, determine the target institution based on the verification result, and collect the target resources corresponding to the target institution to the merchant and record them to obtain the second recording result.
[0118] In one embodiment, the first recording module 702 includes:
[0119] The second recording unit is used to determine the pre-selected institution based on the application, freeze the target resources corresponding to the pre-selected institution, and record them according to the preset fusion recording rules to obtain the first recording result.
[0120] In the embodiments of this specification, during the interaction between a user and a merchant, a user request for the use of the first transaction data is obtained. A pre-selected institution is then identified, the target resources required for the use request corresponding to the pre-selected institution are frozen and recorded, the record results are further verified, the target institution is determined based on the verification results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the use request is designed as a two-stage process. The first stage of the resource flow is applied to the online link between the user and the merchant, specifically freezing the target resources required for the use request. The second stage of the resource flow is mainly applied to the offline link for verifying the record results, specifically unfreezing the target resources and aggregating them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of institutional transaction data and the capping decision. On the other hand, the process of processing institutional transaction data is decoupled from the process of users initiating use requests and using transaction data. The online link does not participate in the capping decision of initiating use requests through the pre-selected institution method, while the offline link provides a safety net for the actual funding target institution, solving the problems of low real-time performance of transaction data processing and its inability to be applied to the online link.
[0121] It should be noted that the transaction data processing device provided in the above embodiments is only illustrated by the division of the above functional modules when executing the transaction data processing method. In actual applications, the above functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. In addition, the transaction data processing device and the transaction data processing method embodiments provided in the above embodiments belong to the same concept, and the implementation process is detailed in the method embodiments, which will not be repeated here.
[0122] The example numbers in this specification are for descriptive purposes only and do not represent the superiority or inferiority of the examples.
[0123] This specification also provides a computer storage medium that can store multiple instructions adapted to be loaded and executed by a processor as described above. Figure 1 - Figure 6 The specific execution process of the transaction data processing method described in the illustrated embodiment can be found in [reference needed]. Figure 1 - Figure 6 The specific details of the illustrated embodiments will not be elaborated here.
[0124] This specification also provides a computer program product that stores at least one instruction, said at least one instruction being loaded and executed by the processor as described above. Figure 1 - Figure 6 The specific execution process of the transaction data processing method described in the illustrated embodiment can be found in [reference needed]. Figure 1 - Figure 6 The specific details of the illustrated embodiments will not be elaborated here.
[0125] Please see Figure 8 This document provides a schematic diagram of the structure of an electronic device as an embodiment of the present specification. Figure 8 As shown, the electronic device 800 may include: at least one processor 801, at least one network interface 804, a user interface 803, a memory 805, and at least one communication bus 802.
[0126] The communication bus 802 is used to enable communication between these components.
[0127] The user interface 803 may include a display screen and a camera. Optionally, the user interface 803 may also include a standard wired interface and a wireless interface.
[0128] The network interface 804 may optionally include a standard wired interface or a wireless interface (such as a Wi-Fi interface).
[0129] The processor 801 may include one or more processing cores. The processor 801 connects to various parts of the server 800 via various interfaces and lines, and performs various functions and processes data by running or executing instructions, programs, code sets, or instruction sets stored in the memory 805, and by calling data stored in the memory 805. Optionally, the processor 801 may be implemented using at least one hardware form of Digital Signal Processing (DSP), Field-Programmable Gate Array (FPGA), or Programmable Logic Array (PLA). The processor 801 may integrate one or a combination of several of the following: Central Processing Unit (CPU), Graphics Processing Unit (GPU), and modem. The CPU primarily handles the operating system, user interface, and applications; the GPU is responsible for rendering and drawing the content to be displayed on the screen; and the modem handles wireless communication. It is understood that the modem may also be implemented as a separate chip without being integrated into the processor 801.
[0130] The memory 805 may include random access memory (RAM) or read-only memory. Optionally, the memory 805 may include a non-transitory computer-readable storage medium. The memory 805 can be used to store instructions, programs, code, code sets, or instruction sets. The memory 805 may include a program storage area and a data storage area, wherein the program storage area may store instructions for implementing an operating system, instructions for at least one function (such as touch function, sound playback function, image playback function, etc.), instructions for implementing the above-described method embodiments, etc.; the data storage area may store data involved in the above-described method embodiments, etc. Optionally, the memory 805 may also be at least one storage device located remotely from the aforementioned processor 801. Figure 8 As shown, the memory 805, which serves as a computer storage medium, may include an operating system, a network communication module, a user interface module, and a transaction data processing application.
[0131] exist Figure 8 In the illustrated electronic device 800, the user interface 803 is mainly used to provide an input interface for the user and to obtain user input data; while the processor 801 can be used to call the transaction data processing application stored in the memory 805 and specifically perform the following operations:
[0132] Obtain user requests for access to first-transaction data during user-merchant interactions;
[0133] Based on the application, a pre-selected organization is determined, the target resources corresponding to the pre-selected organization are frozen and recorded, and a first recording result is obtained. The value of the target resource is the value required by the application.
[0134] Verify the first record result, determine the target institution based on the verification result, and aggregate the target resources corresponding to the target institution to the merchant.
[0135] In one embodiment, the processor 801 executes the verification of the first record result, determines the target institution based on the verification result, and aggregates the target resources corresponding to the target institution to the merchant, specifically performing the following:
[0136] Verify whether the value required for the application mentioned in the first record result exceeds the value of the second transaction data corresponding to the pre-selected institution;
[0137] If the value required for the application exceeds the value of the second transaction data corresponding to the pre-selected institution, a target institution different from the pre-selected institution shall be determined.
[0138] The target resources corresponding to the target institution are aggregated to the merchant.
[0139] In one embodiment, when the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution, the processor 801 specifically executes the following:
[0140] If the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution, a target institution different from the pre-selected institution is determined, and the target resources corresponding to the pre-selected institution are unfrozen.
[0141] In one embodiment, when the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution, the processor 801 specifically executes the following:
[0142] If the value required for the application exceeds the value of the second transaction data corresponding to the pre-selected institution, the institution with a joint venture relationship with the pre-selected institution is identified as the target institution.
[0143] In one embodiment, before processor 801 performs the step of aggregating the target resources corresponding to the target institution to the merchant, it also performs the following:
[0144] If the value required for the application does not exceed the value of the second transaction data corresponding to the pre-selected institution, the pre-selected institution will be used as the target institution.
[0145] In one embodiment, after the processor 801 executes the usage request for the first transaction data during the process of acquiring user-merchant interaction, before determining the pre-selected institution based on the usage request, freezing and recording the target resources corresponding to the pre-selected institution, and obtaining the first recording result, the following is also executed:
[0146] Detect whether the value required for the use application exceeds the value of the first transaction data;
[0147] Processor 801 executes the process of determining the pre-selected organization based on the usage application, freezing the target resources corresponding to the pre-selected organization and recording them, and obtaining a first recording result. Specifically, the following steps are performed:
[0148] If the value required for the use application does not exceed the value of the first transaction data, a pre-selected institution is determined based on the use application, the target resources corresponding to the pre-selected institution are frozen and recorded, and a first recording result is obtained.
[0149] In one embodiment, processor 801 executes the process of determining a pre-selected institution based on the usage application, freezing and recording the target resources corresponding to the pre-selected institution, and obtaining a first recording result, specifically:
[0150] Based on the preset usage rules and the usage application, a pre-selected organization is determined, the target resources corresponding to the pre-selected organization are frozen and recorded, and a first recording result is obtained.
[0151] In one embodiment, the processor 801 executes the verification of the first record result, determines the target institution based on the verification result, and aggregates the target resources corresponding to the target institution to the merchant, specifically performing the following:
[0152] Verify the first record result, determine the target institution based on the verification result, and collect the target resources corresponding to the target institution to the merchant and record them to obtain the second record result.
[0153] In one embodiment, processor 801 executes the process of determining a pre-selected institution based on the usage application, freezing and recording the target resources corresponding to the pre-selected institution, and obtaining a first recording result, specifically:
[0154] Based on the application, a pre-selected organization is determined, the target resources corresponding to the pre-selected organization are frozen, and the data is recorded according to the preset fusion recording rules to obtain the first recording result.
[0155] In the embodiments of this specification, during the interaction between a user and a merchant, a user request for the use of the first transaction data is obtained. A pre-selected institution is then identified, the target resources required for the use request corresponding to the pre-selected institution are frozen and recorded, the record results are further verified, the target institution is determined based on the verification results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the use request is designed as a two-stage process. The first stage of the resource flow is applied to the online link between the user and the merchant, specifically freezing the target resources required for the use request. The second stage of the resource flow is mainly applied to the offline link for verifying the record results, specifically unfreezing the target resources and aggregating them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of institutional transaction data and the capping decision. On the other hand, the process of processing institutional transaction data is decoupled from the process of users initiating use requests and using transaction data. The online link does not participate in the capping decision of initiating use requests through the pre-selected institution method, while the offline link provides a safety net for the actual funding target institution, solving the problems of low real-time performance of transaction data processing and its inability to be applied to the online link.
[0156] Those skilled in the art will understand that all or part of the processes in the above embodiments can be implemented by a computer program instructing related hardware. The program can be stored in a computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. The storage medium can be a magnetic disk, optical disk, read-only memory, or random access memory, etc.
[0157] The above-disclosed embodiments are merely preferred embodiments of this specification and should not be construed as limiting the scope of this specification. Therefore, any equivalent variations made in accordance with the claims of this specification shall still fall within the scope of this specification.
Claims
1. A transaction data processing method, the method comprising: Obtain user requests for access to first-transaction data during user-merchant interactions; Based on the application, a pre-selected organization is determined, the target resources corresponding to the pre-selected organization are frozen and recorded, and a first recording result is obtained. The value of the target resource is the value required by the application. Verify the first record result, determine the target institution based on the verification result, and aggregate the target resources corresponding to the target institution to the merchant; The step of determining a pre-selected organization based on the application, freezing and recording the target resources corresponding to the pre-selected organization, and obtaining a first recording result includes: Based on the usage application, a pre-selected institution is determined, the target resources corresponding to the pre-selected institution are frozen, and the data is recorded according to a preset fusion recording rule to obtain a first recording result. The first transaction data includes multiple different types of credit limits, the usage application for the first transaction data includes the usage of each type of credit limit, and the credit agreements between the user and different institutions are different. The types of credit limits included in the usage applications for the first transaction data of different institutions are not entirely the same. The fusion credit limit recording rule includes recording multiple different types of credit limits as a unified credit limit.
2. The transaction data processing method according to claim 1, wherein verifying the first record result, determining the target institution based on the verification result, and aggregating the target resources corresponding to the target institution to the merchant, comprises: Verify whether the value required for the application mentioned in the first record result exceeds the value of the second transaction data corresponding to the pre-selected institution; If the value required for the application exceeds the value of the second transaction data corresponding to the pre-selected institution, a target institution different from the pre-selected institution shall be determined. The target resources corresponding to the target institution are aggregated to the merchant.
3. The transaction data processing method according to claim 2, wherein determining a target institution different from the pre-selected institution when the value required for the application exceeds the value of the second transaction data corresponding to the pre-selected institution includes: If the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution, a target institution different from the pre-selected institution is determined, and the target resources corresponding to the pre-selected institution are unfrozen.
4. The transaction data processing method according to claim 2, wherein determining a target institution different from the pre-selected institution when the value required for the application exceeds the value of the second transaction data corresponding to the pre-selected institution includes: If the value required for the application exceeds the value of the second transaction data corresponding to the pre-selected institution, the institution with a joint venture relationship with the pre-selected institution is identified as the target institution.
5. The transaction data processing method according to claim 2, further comprising, before aggregating the target resources corresponding to the target institution to the merchant: If the value required for the application does not exceed the value of the second transaction data corresponding to the pre-selected institution, the pre-selected institution will be used as the target institution.
6. The transaction data processing method according to claim 1, after obtaining the user's and merchant's interaction request for the first transaction data, and before determining the pre-selected institution based on the usage request, freezing and recording the target resources corresponding to the pre-selected institution, and obtaining the first recording result, further includes: Detect whether the value required for the use application exceeds the value of the first transaction data; The step of determining a pre-selected organization based on the application, freezing and recording the target resources corresponding to the pre-selected organization, and obtaining a first recording result includes: If the value required for the use application does not exceed the value of the first transaction data, a pre-selected institution is determined based on the use application, the target resources corresponding to the pre-selected institution are frozen and recorded, and a first recording result is obtained.
7. The transaction data processing method according to claim 1, wherein determining the pre-selected institution based on the application, freezing and recording the target resources corresponding to the pre-selected institution, and obtaining a first recording result includes: Based on the preset usage rules and the usage application, a pre-selected organization is determined, the target resources corresponding to the pre-selected organization are frozen and recorded, and a first recording result is obtained.
8. The transaction data processing method according to claim 1, wherein verifying the first record result, determining the target institution based on the verification result, and aggregating the target resources corresponding to the target institution to the merchant, comprises: Verify the first record result, determine the target institution based on the verification result, and collect the target resources corresponding to the target institution to the merchant and record them to obtain the second record result.
9. A transaction data processing apparatus, the apparatus comprising: The application acquisition module is used to acquire the user's and merchant's application for the use of the first transaction data during the interaction process; The first recording module is used to determine the pre-selected institution based on the application, freeze and record the target resources corresponding to the pre-selected institution, and obtain the first recording result, wherein the value of the target resource is the value required by the application. The record verification module is used to verify the first record result, determine the target institution based on the verification result, and aggregate the target resources corresponding to the target institution to the merchant; The first recording module includes: The second recording unit is used to determine the pre-selected institution based on the usage application, freeze the target resources corresponding to the pre-selected institution, and record them according to the preset fusion recording rules to obtain the first recording result; wherein, the first transaction data includes multiple different types of credit limits, the usage application for the first transaction data includes the usage of each type of credit limit, and the credit agreements between the user and different institutions are different, the types of credit limits included in the usage applications for the first transaction data of different institutions are not completely the same, and the fusion credit limit recording rule includes recording multiple different types of credit limits as a unified credit limit.
10. A computer storage medium storing a plurality of instructions adapted for loading by a processor and executing the method steps of any one of claims 1 to 8.
11. A computer program product storing a plurality of instructions adapted for loading by a processor and executing the method steps of any one of claims 1 to 8.
12. An electronic device, comprising: A processor and a memory; wherein the memory stores a computer program adapted to be loaded by the processor and executed the method steps as claimed in any one of claims 1 to 8.