Business data processing method and device, equipment and medium

Abstract

The embodiment of the invention provides a business data processing method and device, equipment and a medium, and the method comprises the steps: obtaining a business type corresponding to a source business transaction if detecting that the source business transaction associated with an object is in a business submitted state, and obtaining a business completion rate corresponding to the business type; obtaining a first asset type and a second asset type associated with the source business transaction, and a source business transfer amount in the source business transaction, and generating a first asset conversion transaction according to the source business transfer amount, the business completion rate, and a first asset conversion rate between the first asset type and the second asset type; and if it is detected that the source business transaction is in a business end state, generating a second asset transformation transaction according to a transaction transformation asset corresponding to the first asset transformation transaction and a second asset transformation rate between the first asset type and the second asset type. According to the embodiment of the invention, the service stability can be improved.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to a business data processing method, device, equipment and medium. Background Art

[0002] In the current business processing scenarios, the processing flow of some businesses (for example, asset conversion business) may include multiple intermediate steps, such as submitting a business transaction request, entering transaction application information, transferring a specified amount of digital assets, etc. In order to facilitate business transactions initiated by the object, some platforms usually set a long transaction acceptance period (for example, it can be set to two days, a week or even longer) to provide the object with enough time to perform business operations. In other words, when the business transaction is completed, several days may have passed since the object submitted the business transaction request, and the asset conversion rate involved in the business transaction may fluctuate during these few days, that is, the asset conversion rate at the two time points of submitting the business transaction request and completing the business transaction is likely to change. Then there is a deviation between the digital assets transferred by the object actually received by the platform and the digital assets actually consumed by the platform, which affects the stability of the business processing scenarios in the platform. Summary of the invention

[0003] The embodiments of the present application provide a business data processing method, apparatus, device and medium, which can improve the stability of the business.

[0004] On the one hand, an embodiment of the present application provides a method for processing business data, including:

[0005] If it is detected that the source business transaction associated with the object is in a business submitted state, then the business type corresponding to the source business transaction is obtained, and the business completion rate corresponding to the business type is obtained;

[0006] Acquire the first asset type and the second asset type associated with the source business transaction, and acquire the source business transfer amount in the source business transaction, and generate a first asset conversion transaction according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type; the first asset conversion transaction is used to indicate the conversion of a first transaction digital asset of the first asset type into a transaction conversion asset of the second asset type;

[0007] If it is detected that the source business transaction is in a business termination state, a second asset conversion transaction is generated based on the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type; the second asset conversion transaction is used to indicate the conversion of the transaction conversion asset into a second transaction digital asset of the first asset type.

[0008] On the one hand, an embodiment of the present application provides a business data processing device, including:

[0009] A completion rate acquisition unit, configured to acquire a business type corresponding to the source business transaction and a business completion rate corresponding to the business type if it is detected that the source business transaction associated with the object is in a business submitted state;

[0010] A first transaction generating unit is used to obtain a first asset type and a second asset type associated with a source business transaction, and to obtain a source business transfer amount in the source business transaction, and to generate a first asset conversion transaction according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type; the first asset conversion transaction is used to indicate that a first transaction digital asset of the first asset type is converted into a transaction conversion asset of the second asset type;

[0011] The second transaction generation unit is used to generate a second asset conversion transaction based on the transaction conversion assets and the second asset conversion rate between the first asset type and the second asset type if it is detected that the source business transaction is in a business termination state; the second asset conversion transaction is used to indicate the conversion of the transaction conversion assets into a second transaction digital asset of the first asset type.

[0012] The completion rate acquisition unit acquires the business completion rate corresponding to the business type, including:

[0013] Obtain the historical transaction time and business category label corresponding to the historical transaction data contained in the business database, and combine the historical transaction data with the business category label as the business type into an initial transaction set;

[0014] Obtain the business statistical period corresponding to the business type, and in the initial transaction set, combine the historical transaction data whose historical transaction time belongs to the business statistical period into a candidate transaction set;

[0015] The total business transaction volume and the completed business transaction volume corresponding to the candidate transaction set are obtained, and the ratio between the completed business transaction volume and the total business transaction volume is determined as the business completion rate corresponding to the business type.

[0016] The completion rate acquisition unit acquires the business statistical period corresponding to the business type, including:

[0017] Get the initial statistical period corresponding to the business type, and count the number of historical transactions whose historical transaction time belongs to the initial statistical period in the initial transaction set;

[0018] If the number of historical transactions is less than the transaction number threshold, the initial statistical period is extended to obtain a business statistical period corresponding to the business type.

[0019] The completion rate acquisition unit acquires the business completion rate corresponding to the business type, including:

[0020] Obtain the historical transaction time and business category label corresponding to the historical transaction data contained in the business database, obtain the business statistical period corresponding to the business type, and combine the historical transaction data whose business category label is the business type and whose historical transaction time is within the business statistical period into a candidate transaction set;

[0021] Obtain the historical business transfer volume and business processing status corresponding to the historical transaction data included in the candidate transaction set, and in the candidate transaction set, combine the historical transaction data whose business processing status is the business completed state into a successful transaction set;

[0022] Accumulate the historical business transfer volume corresponding to the historical transaction data in the candidate transaction set to obtain the total historical transfer volume corresponding to the business type, and accumulate the historical business transfer volume corresponding to the historical transaction data in the successful transaction set to obtain the historical successful transfer volume corresponding to the business type;

[0023] The ratio between the historical successful transfer volume and the historical total transfer volume is determined as the business completion rate corresponding to the business type.

[0024] The first transaction generating unit generates a first asset conversion transaction according to the source business transfer volume, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type, including:

[0025] The product of the source business transfer volume and the business completion rate is determined as the first transaction transfer volume corresponding to the second asset type, the transaction submission time corresponding to the source business transaction is obtained, and the first asset conversion rate between the first asset type and the second asset type is obtained at the transaction submission time;

[0026] Determine the first transaction transfer amount corresponding to the first asset type according to the first asset conversion rate and the first transaction transfer amount corresponding to the second asset type, and obtain the first transaction digital asset equal to the first transaction transfer amount corresponding to the first asset type in the platform asset address corresponding to the first asset type;

[0027] A first asset conversion transaction is generated according to the first transaction digital asset and the first asset conversion rate, and the first asset conversion transaction is stored in a transaction database.

[0028] If the second transaction generating unit detects that the source business transaction is in a business end state, the second transaction generating unit generates a second asset conversion transaction according to the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type, including:

[0029] If it is detected that the source business transaction is in a business end state, the transaction end time corresponding to the source business transaction is obtained, and the second asset conversion rate between the first asset type and the second asset type is obtained at the transaction end time;

[0030] Acquire a transaction conversion asset of a second asset type according to a first asset conversion transaction in a transaction database, and generate a second asset conversion transaction according to the transaction conversion asset and a second asset conversion rate.

[0031] The device further comprises:

[0032] A submission information acquisition unit, used to acquire the object submission information provided by the object as a source business transaction, and to acquire the business processing strategy corresponding to the source business transaction;

[0033] The asset transfer unit is used to add the source business digital assets of the second asset type equal to the source business transfer amount to the target address indicated by the source business transaction if the object submission information meets the business execution conditions indicated by the business processing policy, and update the business processing status of the source business transaction to the business end status.

[0034] The device further comprises:

[0035] A transaction cancellation unit, used to respond to a cancellation operation on a source business transaction and obtain object operation information associated with the cancellation operation;

[0036] A confirmation cancellation unit, used to generate confirmation prompt information for the source business transaction if the object operation information satisfies the operation authority corresponding to the source business transaction;

[0037] The transaction ending unit is used to respond to the confirmation operation for the confirmation prompt information, stop executing the source business transaction, and update the business processing state of the source business transaction to the business ending state.

[0038] The device further comprises:

[0039] A validity period determination unit, used to determine a transaction validity period corresponding to a source business transaction according to a transaction submission time corresponding to the source business transaction;

[0040] The transaction termination unit is further used to stop executing the source business transaction and update the business processing status of the source business transaction to a business termination status if it is detected that the source business transaction has not been completed within the transaction validity period.

[0041] The device further comprises:

[0042] The transaction storage unit is used to encapsulate the source business transaction and the transaction submission time, business end status, and business type corresponding to the source business transaction as source transaction data if it is detected that the source business transaction is in a business end state, and store the source transaction data in a business database.

[0043] On one hand, an embodiment of the present application provides a computer device, including a memory and a processor, wherein the memory is connected to the processor, the memory is used to store a computer program, and the processor is used to call the computer program so that the computer device executes the method provided in the above aspect of the embodiment of the present application.

[0044] On one hand, an embodiment of the present application provides a computer-readable storage medium, in which a computer program is stored. The computer program is suitable for being loaded and executed by a processor, so that a computer device with a processor executes the method provided in the above aspect of the embodiment of the present application.

[0045] According to one aspect of the present application, a computer program product or computer program is provided, the computer program product or computer program includes computer instructions, the computer instructions are stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device performs the method provided in the above aspect.

[0046] In the embodiment of the present application, if it is detected that the source business transaction associated with the object is in a business submitted state, the business type corresponding to the source business transaction is obtained, and the business completion rate corresponding to the business type is obtained, wherein the source business transaction involves a first asset type and a second asset type. Then, a first asset conversion transaction can be generated according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type in the source business transaction, and the first asset conversion transaction is used to indicate that the first transaction data asset of the first asset type is converted into a transaction conversion asset of the second asset type. If it is detected that the source business transaction is in a business end state, a second asset conversion transaction is generated according to the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type, and the second asset conversion transaction is used to indicate that the transaction conversion asset is converted into a second transaction digital asset of the first asset type. In the processing of the source business transaction, all business processes of the source business transaction do not need to be additionally changed, and it is only necessary to actively initiate asset conversion transactions at the time points of submitting the source business transaction and ending the source business transaction in turn; through the two asset conversion transactions actively initiated, the business transaction risk caused by the fluctuation of the asset conversion rate between different asset types can be reduced, and the transaction stability of the source business can be improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0048] Figure 1 It is a structural diagram of a business processing system provided in an embodiment of the present application;

[0049] Figure 2 This is a flow chart of a business data processing method provided in an embodiment of the present application. Figure 1 ;

[0050] Figure 3 This is a schematic diagram of an interface for canceling a source business transaction provided by an embodiment of the present application;

[0051] Figure 4 This is a schematic diagram of a processing flow of a source business transaction provided by an embodiment of the present application;

[0052] Figure 5 This is a flow chart of a business data processing method provided in an embodiment of the present application. Figure 2 ;

[0053] Figure 6 This is a schematic diagram of calculating a business success rate provided in an embodiment of the present application;

[0054] Figure 7 This is a schematic diagram of a scenario of a source business transaction provided by an embodiment of the present application;

[0055] Figure 8 It is a structural diagram of a business data processing device provided in an embodiment of the present application;

[0056] Fig. 9 It is a structural diagram of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0057] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0058] See also Figure 1 , Figure 1This is a structural diagram of a business processing system provided by an embodiment of the present application. The business processing system may include a terminal device 10a, a server 10b, and a digital asset trading platform 10c. The terminal device 10a and the server 10b, and the server 10b and the digital asset trading platform 10c may be connected via a network. The network may be a wide area network, a local area network, or a combination of a wide area network and a local area network. The data transmission between the terminal device 10a and the server 10b, and between the server 10b and the digital asset trading platform 10c may be realized by wired or wireless means. It is understandable that Figure 1 The terminal device 10a in the business processing system shown can transmit data to the digital asset trading platform 10c through the server 10b, or directly transmit data to the digital asset trading platform 10c through a wired or wireless method. The embodiment of the present application does not limit the data transmission method between the terminal device 10a and the digital asset trading platform 10c. It should be noted that Figure 1 The number of terminal devices and servers in the business processing system shown can be one or more, and there is no limitation on the number of terminal devices and servers in the business processing system.

[0059] like Figure 1 As shown, the terminal device 10a in the business processing system can be used to respond to the business transaction submission instruction associated with the object, generate a business transaction processing request for the object, and then send the business transaction processing request to the server 10b. Among them, the terminal device 10a can run a business platform, and the business platform can provide different types of business processing functions for objects (corporate users, individual users, etc.), such as asset transfer business, asset conversion business, online item ordering business, etc. The business platform running in the terminal device 10a can be an independent application client, or it can be a website, or it can be a subprogram embedded in an independent application client (for example, the subprogram here can be called a mini program), etc. The embodiment of the present application does not limit the type of the business platform running in the terminal device 10a.

[0060] The server 10b can be used to receive a business transaction processing request associated with an object sent by the terminal device 10a, and the server 10b can refer to the background server of the business platform running in the terminal device 10a. After receiving the business transaction processing request, an asset conversion transaction can be initiated actively (for ease of understanding, the asset conversion transaction here can be referred to as the first asset conversion transaction); the first asset conversion transaction can be used to indicate the conversion of the first transaction digital asset of the first asset type into the transaction conversion asset of the second asset type. Among them, the transaction conversion asset can be determined by the source business transfer amount in the source business transaction and the business completion rate corresponding to the business type; the first transaction digital asset can refer to the digital asset of the first asset type that is consumed to convert the transaction conversion asset of the second asset type, the first transaction asset data and the transaction conversion asset are digital assets of different asset types, and there is an asset conversion rate between different asset types; for example, the same amount of digital assets of the first asset type and digital assets of the second asset type have different values. A source business transaction may refer to a business transaction initiated by an object using a business processing function provided in a business platform run by the terminal device 10a; a business type may refer to a business scenario type of a source business transaction; a source business transfer amount may refer to the amount of digital assets of a second asset type that the object needs to spend when successfully completing the source business transaction; a business completion rate may refer to the proportion of successful transactions within the same period to the transaction submission amount. The period here may be set according to the actual needs of the application scenario. For example, the period may be set to one month, two months, one quarter, etc., and the embodiments of the present application do not limit this.

[0061] When the server 10b actively initiates the first asset conversion transaction, it can process the source business transaction according to the business process of the source business transaction. After all the business processes of the source business transaction are completed, it can actively initiate the second asset conversion transaction (for ease of understanding, the second asset conversion transaction here can be called the second asset conversion transaction); the second asset conversion transaction can be used to indicate that the processing result of the first asset conversion transaction (i.e., the transaction conversion asset of the aforementioned second asset type) is converted into the second transaction digital asset of the first asset type. It can be understood that the first asset conversion transaction and the second asset conversion transaction are two asset conversion transactions actively initiated by the server 10b at different time points. Since the asset conversion rate (or conversion ratio) between the first asset type and the second asset type is constantly fluctuating, the first transaction digital asset and the second transaction digital asset can correspond to different asset amounts.

[0062] It should be noted that both the first asset conversion transaction and the second asset conversion transaction initiated by the server 10b can be completed in the digital asset trading platform 10c. For example, the digital asset trading platform 10c can process the first asset conversion transaction and convert the first transaction digital asset indicated by the first asset conversion transaction into a transaction conversion asset; similarly, the digital asset trading platform 10c can also process the second asset conversion transaction and convert the transaction conversion asset indicated by the second asset conversion transaction into a second transaction digital asset.

[0063] The terminal device 10a can also be used to receive the source business processing results corresponding to the source business transaction returned by the server 10b. Based on the received source business processing results, the business processing status of the source business transaction initiated by the object in the business platform can be updated, such as the business processing status of the source business transaction can be updated to the business end status.

[0064] It is understandable that the business data processing method proposed in the embodiment of the present application can be executed by a computer device, for example, it can be executed independently by a terminal device, or it can be executed independently by a server, or it can be executed collaboratively by a terminal device and a server. For example, a terminal device (for example, terminal device 10a) independently executes the business data processing method proposed in the embodiment of the present application; or, the terminal device sends a business transaction processing request associated with the object to a server (for example, server 10b), and the server executes the business data processing method proposed in the embodiment of the present application according to the received business transaction processing request. The business data processing method proposed in the embodiment of the present application can be applied to various business types, including but not limited to online item ordering business involving the conversion of different asset types, asset transfer business, etc.

[0065] Among them, the server (for example, server 10b) used to execute the business data processing method proposed in the embodiment of the present application can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), and big data and artificial intelligence platforms and other basic cloud computing services. The embodiment of the present application does not limit the type of server. The terminal device (for example, terminal device 10a) used to execute the business data processing method proposed in the embodiment of the present application can include but is not limited to: smart phones, tablet computers, laptops, PDAs, mobile Internet devices (mobile internet devices, MIDs), wearable devices (such as smart watches, smart bracelets, etc.), intelligent voice interaction devices (such as smart speakers), smart home appliances (such as smart TVs, etc.) and other electronic devices. The present application does not limit the type of terminal devices.

[0066] In one or more embodiments, the terminal device or server can implement the business data processing method proposed in the embodiment of the present application by running a computer program (for example, the aforementioned business platform running in the terminal device 10a). For example, the computer program can be a native program or software module in the operating system; or it can be a native application (APP, Application), that is, a program that needs to be installed in the operating system to run; or it can be a subroutine (specifically, it can be a small program), that is, a program that can be run only by downloading it to the browser environment; or it can also be a subroutine that can be embedded in any application. In short, the above-mentioned computer program can be an application, module or plug-in in any form.

[0067] In one or more embodiments, Figure 1 The business data processing system shown may include multiple servers, and multiple servers may form a blockchain system, and each server may be a blockchain node in the blockchain system. There may be information connections between any blockchain nodes in the blockchain system, and information may be transmitted between blockchain nodes through the above information connections. Among them, the relevant data involved in the business data processing method provided in the embodiment of the present application (for example, source business transactions, first asset conversion transactions, second asset conversion transactions, etc.) may be stored in the blockchain.

[0068] See also Figure 2 , Figure 2 This is a flow chart of a business data processing method provided in an embodiment of the present application. Figure 1It is understandable that the business data processing method can be executed by a computer device, which can be Figure 1 The terminal device 10a in the service processing system shown in the figure may also be Figure 1 The server 10b in the business processing system shown in the figure does not limit the type of computer device in the embodiment of the present application; wherein, the business data processing method may include the following steps S101 to S103:

[0069] Step S101: If it is detected that the source business transaction associated with the object is in a business submitted state, the business type corresponding to the source business transaction is obtained, and the business completion rate corresponding to the business type is obtained.

[0070] In an embodiment of the present application, a business platform may be run in a computer device, and the business platform may provide various types of business transaction scenarios for the object, such as cross-regional item purchase transactions (the cross-region involved in the embodiment of the present application may be considered as different regions using digital assets of different asset types), cross-regional asset transfer transactions, cross-regional ticket purchase transactions, etc. If the object wants to handle a certain business in the business platform run by the computer device, then the object may submit a business transaction through the business processing function entrance provided by the business platform. In an embodiment of the present application, the business transaction submitted by the object may be referred to as a source business transaction. For example, if the object wants to purchase electronic product 1 across regions through the business platform, then the object may select the electronic product 1 that it needs in the business platform, and enter the purchase page of the electronic product 1, and submit an order for the electronic product 1 in the purchase page. The order here may be referred to as a source business transaction.

[0071] Specifically, after the object submits the source business transaction in the business platform, the business processing status of the source business transaction can be marked as the business submitted status; at this time, the computer device can obtain the business type corresponding to the source business transaction and obtain the business completion rate corresponding to the business type. Among them, different business transactions can correspond to different business types or the same business type. The business type is associated with the business transaction scenario provided in the business platform. For example, all cross-regional item purchase transactions in the business platform can belong to the same business type, and all cross-regional asset transfer transactions can belong to the same business type, etc. This embodiment of the application does not limit this.

[0072] In one or more embodiments, a business statistical period can be set for each type of business. By counting the number of all business transactions within the business statistical period (for ease of understanding, the number here can be referred to as the total business transaction volume), and the number of business transactions successfully completed within the business statistical period (for ease of understanding, the number here can be referred to as the completed business transaction volume), the ratio between the completed business transaction volume and the total business transaction volume can be determined as the business completion rate corresponding to the business type.

[0073] Optionally, the embodiments of the present application may also adopt other methods to calculate the business completion rates corresponding to various business types, such as the total amount of asset transfers corresponding to all business transactions within the business statistical period (or it can be called the total historical transfer amount), and the successful asset transfer amount corresponding to the business transactions successfully completed within the business statistical period (or it can be called the historical successful transfer amount), and then the ratio between the successful asset transfer amount and the total asset transfer amount is determined as the business success rate corresponding to the business type. The embodiments of the present application do not limit the calculation method of the business success rate.

[0074] It can be understood that different types of businesses can be set with different business statistical cycles, or they can be set with the same business statistical cycle; alternatively, the business statistical cycle of each business type can be adjusted according to the actual total business transaction volume of the business type. For example, when the total business transaction volume within the business statistical cycle of business type A is less than or equal to the transaction quantity threshold (which can be set according to the actual transaction volume of business type A, and this application does not limit this), the business statistical cycle of business type A can be extended.

[0075] It should be noted that the source business transaction in the embodiment of the present application can be understood as a cross-regional business transaction, such as a cross-regional item purchase transaction, a cross-regional asset transfer transaction, etc. Taking a cross-regional item transfer transaction as an example, the user who purchases the cross-regional item is the object of submitting the source business transaction, and the user who provides the cross-regional item can be called a merchant; the type of digital assets spent by the object to purchase the cross-regional item can be called the first asset type, and the type of digital assets marked by the merchant for the cross-regional item can be called the second asset type. Among them, the processing process of the source business transaction can involve a third-party payment scenario. The third-party payment refers to an independent institution with certain strength and credibility guarantee, which adopts a contract with major authoritative asset institutions and provides a transaction payment platform that interfaces with the payment and settlement system of the authoritative asset institution. The network payment mode. In the third-party payment scenario, after the object selects the cross-regional item that it wants to buy, it can use the account address provided by the third-party platform to make a loan payment (pay to a third party), and the third party notifies the merchant of the arrival of the asset, and delivers the cross-regional items purchased by the aforementioned object. After the object receives the cross-regional items it purchased and verifies them, it can notify the third-party payment, and the third party will then transfer the assets paid by the object to the merchant's account address. Merchants can refer to users who sign contracts after being authenticated on the third-party payment platform and can provide transaction resources (for example, cross-regional items) for ordinary objects (objects purchasing items).

[0076] Step S102, obtaining the first asset type and the second asset type associated with the source business transaction, and obtaining the source business transfer amount in the source business transaction, and generating a first asset conversion transaction according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type; the first asset conversion transaction is used to indicate the conversion of a first transaction digital asset of the first asset type into a transaction conversion asset of the second asset type.

[0077] Specifically, the source business transaction involves the conversion between different asset types, such as the conversion between the first asset type and the second asset type. The first asset type refers to the type of digital asset actually spent by the object (which can be understood as the transaction resource purchaser) for the source business transaction, and the second asset type refers to the type of digital asset marked by the transaction resource provider in the source business transaction. The source business transfer amount in the source business transaction can be obtained, and the source business transfer amount corresponds to the second asset type. According to the source business transfer amount, the business completion rate corresponding to the business type, and the first asset conversion rate between the first asset type and the second asset type, a first asset conversion transaction is generated. The processing process of the first asset conversion transaction here can be on a digital asset trading platform (for example, Figure 1 This is completed in the digital asset trading platform 10c) in the business processing system shown.

[0078] Among them, the source business transfer volume may refer to the number of assets of the second asset type marked by the transaction resources purchased by the merchant for the object; the first asset conversion rate may refer to the asset conversion rate of the first asset type and the second asset type when the object submits the source business transaction. The first asset conversion transaction may refer to the business platform using the first transaction digital asset of the first asset type to purchase the transaction conversion asset of the second asset type; the transaction conversion asset may refer to the digital asset of the second asset type that is equal to the product of the business completion rate and the source business transfer volume; the first transaction digital asset represents the digital asset of the first asset type that needs to be spent to purchase the transaction conversion asset under the premise of the first asset conversion rate.

[0079] Step S103, if it is detected that the source business transaction is in a business termination state, a second asset conversion transaction is generated based on the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type; the second asset conversion transaction is used to indicate the conversion of the transaction conversion asset into a second transaction digital asset of the first asset type.

[0080] Specifically, after submitting the source business transaction, the object can actively initiate the first asset conversion transaction and process the source business transaction to obtain the processing result corresponding to the source business transaction. The processing process of the source business transaction may include: obtaining the object submission information provided by the object for the source business transaction, and obtaining the business processing strategy corresponding to the source business transaction; if the object submission information meets the business execution conditions indicated by the business processing strategy, then adding the source business digital assets of the second asset type equal to the source business transfer amount to the target address indicated by the source business transaction, and updating the business processing status of the source business transaction to the business end status.

[0081] Among them, the business processing strategy may include all business processing procedures of the source business transaction, and the object submission information may include relevant information provided by the object to complete the source business transaction, such as the digital assets of the first asset type that need to be transferred, the object identity information, etc.; the business execution conditions can be considered as the conditions pre-defined by each business processing procedure of the source business transaction, such as whether the digital assets of the first asset type provided by the object can purchase the transaction resources in the source business transaction, whether the object identity information is correct, etc. If the object submission information meets the business execution conditions corresponding to each business processing procedure of the source business transaction, the source business digital assets of the second asset type equal to the source business transfer amount can be added to the target address indicated by the source business transaction, so that it can be determined that the source business transaction is successfully completed, and the business processing status of the source business transaction can be marked as the business end status, and the business end status here can be specifically the business completed status.

[0082] In one or more embodiments, after the object submits the source business transaction, a transaction validity period can be set for the source business transaction, and the object can also cancel the source business transaction within the transaction validity period. Optionally, if the object submission information in the source business transaction submitted by the object is wrong, or the transaction resource in the source business transaction submitted by the object is not the transaction resource that the object wants to purchase, etc., then the object can cancel the submitted source business transaction. See Figure 3 , Figure 3 1 is a schematic diagram of an interface for canceling a source business transaction provided by an embodiment of the present application. Figure 3 As shown in the source business transaction 20b displayed in the terminal device 20a (which can be considered as a computer device running the business platform), the source business transaction 20b indicates that the object purchases electronic products xx2 across regions in the platform xx1, the time when the object submits the source business transaction 20b (i.e., the business submission time) is xxxx-xx-xx, and the number of digital assets of the first asset type to be consumed is 500. After the object successfully submits the source business transaction 20b, the business platform can start processing the source business transaction 20b, that is, at this time, the business processing status of the source business transaction 20b can be "submitted, processing".

[0083] When the object wants to cancel the submitted source business transaction 20b, it can perform a trigger operation on the cancel control corresponding to the source business transaction 20b (the trigger operation here can be understood as a cancel operation). At this time, the terminal device 20a can respond to the cancel operation on the source business transaction 20b and obtain the object operation information associated with the cancel operation. The object operation information can refer to the operation information of the object that triggered the cancel operation on the source business transaction 20c. The terminal device 20a needs to determine whether the object operation information has the authority to cancel the source business transaction 20b, that is, to determine whether the object operation information satisfies the operation authority corresponding to the source business transaction 20b; or it can be understood that the object that triggered the cancel operation has the authority to cancel the source business transaction 20b. For example, if the object that triggered the cancel operation is the object that submitted the source business transaction 20b, then it can be determined that the object operation information satisfies the operation authority corresponding to the source business transaction 20b, and then a confirmation prompt information 20c can be generated for the source business transaction. When the object performs a trigger operation on the "Yes" control in the confirmation prompt information 20c (the trigger operation here can be understood as a confirmation operation), the terminal device 20a at this time can respond to the confirmation operation for the confirmation prompt information, stop executing the source business transaction 20b, and update the business processing status of the source business transaction 20b to the business end status. The business end status here can specifically be a business canceled status.

[0084] Optionally, the transaction validity period corresponding to the source business transaction can be determined based on the transaction submission time corresponding to the source business transaction; for example, if the transaction validity period is one week, then the transaction validity period of the source business transaction can specifically be one week starting from the transaction submission time. If it is detected that the source business transaction has not been completed within the transaction validity period, it is determined that the source business transaction has exceeded the transaction validity period, and the source business transaction is forcibly stopped, and the business processing status of the source business transaction is updated to the business end status, where the business end status can specifically be the business expired state. Among them, the transaction validity can refer to the time range set according to actual needs, such as the transaction validity period can be 5 days, one week, 10 days, etc., and this application does not limit this.

[0085] In one or more embodiments, when the business processing status of the source business transaction is the business end status, a second asset conversion transaction can be generated based on the transaction conversion asset of the second asset type obtained after the successful completion of the aforementioned first asset conversion transaction, and the second asset conversion rate between the first asset type and the second asset type, and the processing process of the second asset conversion transaction can be completed in the digital asset trading platform. Among them, the second asset conversion rate can refer to the asset conversion rate of the first asset type and the second asset type when the source business transaction is successfully completed; the second asset conversion transaction can refer to the business platform using the transaction conversion transaction of the second asset type to purchase the second transaction digital asset of the first asset type; the second transaction digital asset can refer to the digital asset of the first asset type purchased using the transaction conversion asset under the premise of the second asset conversion rate.

[0086] See also Figure 4 , Figure 4 Schematic diagram of a source business transaction processing flow provided by an embodiment of the present application. Figure 4 As shown, the processing flow of the source business transaction may include: the object can submit the source business transaction according to its own needs, and can read the business completion rate corresponding to the business type to which the source business transaction belongs in the business completion rate record differentiated by business type. It can be understood that the business completion rate corresponding to various business types can be updated in real time according to the business transactions initiated within the business statistical period. After submitting a new source business transaction, the business completion rate corresponding to the business type to which the new source business transaction belongs can be directly read without temporary calculation, which can speed up data processing. After the object submits the source business transaction, it can actively initiate a first asset conversion transaction and record the first asset conversion transaction in a transaction database (also called a risk transaction database). The relevant description of the first asset conversion transaction can refer to the description in the aforementioned step S102, which will not be repeated here.

[0087] At the same time, the source business transaction can be executed according to the original business process of the source business transaction data, such as Figure 4 As shown, it is assumed that the source business transaction includes n (n can be a positive integer) business processes, namely business process 1, business process 2, ..., business process n, and the n business processes here can constitute the business processing strategy corresponding to the source business transaction. After executing n business processes, it can be determined that the source business transaction ends all business processes, that is, the source business transaction is successfully completed. When the source business transaction is successfully completed, the processing result of the first asset conversion transaction (transaction conversion asset) can be read from the transaction database, and the second asset conversion transaction can be actively initiated, thereby completing all steps of business data processing; the relevant description of the second asset conversion transaction can refer to the description in the aforementioned step S103, which will not be repeated here.

[0088] In the embodiment of the present application, if it is detected that the source business transaction associated with the object is in a business submitted state, the business type corresponding to the source business transaction is obtained, and the business completion rate corresponding to the business type is obtained, wherein the source business transaction involves a first asset type and a second asset type. Then, a first asset conversion transaction can be generated according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type in the source business transaction, and the first asset conversion transaction is used to indicate that the first transaction data asset of the first asset type is converted into a transaction conversion asset of the second asset type. If it is detected that the source business transaction is in a business end state, a second asset conversion transaction is generated according to the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type, and the second asset conversion transaction is used to indicate that the transaction conversion asset is converted into a second transaction digital asset of the first asset type. In the processing of the source business transaction, all business processes of the source business transaction do not need to be additionally changed, and it is only necessary to actively initiate asset conversion transactions at the time points of submitting the source business transaction and ending the source business transaction in turn; through the two asset conversion transactions actively initiated, the business transaction risk caused by the fluctuation of the asset conversion rate between different asset types can be reduced, and the transaction stability of the source business can be improved.

[0089] See also Figure 5 , Figure 5 This is a flow chart of a business data processing method provided in an embodiment of the present application. Figure 2 It is understandable that the business data processing method can be executed by a computer device, which can be Figure 1 The terminal device 10a in the service processing system shown in the figure may also be Figure 1 The server 10b in the business processing system shown in the figure does not limit the type of computer device in the embodiment of the present application; wherein, the business data processing method may include the following steps S201 to S210:

[0090] Step S201, if it is detected that the source business transaction associated with the object is in a business submitted state, the business type corresponding to the source business transaction is obtained, the historical transaction time and business category label corresponding to the historical transaction data contained in the business database are obtained, and the historical transaction data with the business category label as the business type are combined into an initial transaction set.

[0091] In the embodiment of the present application, the business platform running in the computer device can provide various types of business transaction scenarios. When the object submits the source business transaction for purchasing transaction resources in the business platform, the business processing status of the source business transaction can be marked as the business submitted status. At this time, the computer device can obtain the business type corresponding to the source business transaction, and obtain the historical transaction time and business category label corresponding to the historical transaction data contained in the business database. Further, the historical transaction data with the business category label as the business type can be combined into an initial transaction set, that is, the historical transaction data belonging to the same business type as the source business transaction can be obtained from the business database, and the historical transaction data belonging to the same business type can be combined into an initial transaction set.

[0092] Among them, the business database can be used to store the business transaction data submitted in the business platform. The business transaction data stored in the business database can be called historical transaction data. Each historical transaction data can include the business transaction submitted in the business platform (or can be called historical transaction), as well as the historical transaction time, business processing status, business category label, etc. corresponding to the historical transaction. The historical transaction time can be the transaction submission time corresponding to the historical transaction; the business processing status is used to characterize whether the historical transaction is successfully completed, such as the business processing status can include the business completed status and the business uncompleted status; wherein, the business completed status indicates that the historical transaction is finally successfully completed, and the business uncompleted status indicates that the historical transaction is finally not successfully completed, such as the historical transaction is not successfully completed within the transaction validity period, or the historical transaction is cancelled, etc. The business category label can be used to indicate the business type to which the historical transaction belongs, and different business types can correspond to different business category labels.

[0093] Step S202, obtaining a business statistical period corresponding to the business type, and combining historical transaction data whose historical transaction time belongs to the business statistical period in the initial transaction set into a candidate transaction set.

[0094] Specifically, the business statistical period corresponding to the business type to which the source business transaction belongs can be obtained, historical transaction data whose historical transaction time belongs to the business statistical period can be obtained from the initial transaction set, and the historical transaction data within the business statistical period can be combined into a candidate transaction set. It is understandable that different business types can set the same business statistical period, or different business statistical periods, and can also set a suitable business statistical period according to the actual needs of the business type, which is not limited in the embodiments of the present application.

[0095] Among them, since each business type may have a strong periodicity, such as e-commerce shopping has a promotion season, school payment has a start-of-school season, etc., a different business statistical period can be set for each business type. Optionally, if the total amount of historical transaction data of a certain business type is relatively small, there is no need to set a business statistical period, but the full amount of transaction data of this business type can be used as a candidate transaction set.

[0096] In one or more embodiments, an initial statistical period corresponding to a business type can be obtained, and the number of historical transactions whose historical transaction time belongs to the initial statistical period can be counted in the initial transaction set; if the number of historical transactions is less than the transaction quantity threshold, the initial statistical period is extended to obtain the business statistical period corresponding to the business type. Among them, the initial statistical period can refer to the initialization statistical period set for the business type to which the source business transaction belongs; the quantity threshold can be a pre-set transaction quantity threshold, which can be set according to the actual needs of the business type, and the embodiment of the present application does not limit the value of the quantity threshold. In other words, the statistical period corresponding to each business type can be updated according to the number of historical transactions in the current statistical period.

[0097] Step S203, obtaining the total business transaction volume and the completed business transaction volume corresponding to the candidate transaction set, and determining the ratio between the completed business transaction volume and the total business transaction volume as the business completion rate corresponding to the business type.

[0098] Specifically, the total business transaction volume (orders_n) corresponding to all historical transaction data included in the candidate transaction set and the business transaction completion volume (completion_n) corresponding to the historical transaction data whose business processing status is in the business completed state can be counted, and then the ratio between the business transaction completion volume and the total business transaction volume can be determined as the business completion rate (completionRate) corresponding to the business type to which the source business transaction belongs; wherein the calculation method of the business completion rate can be expressed as completionRate = completion_n / orders_n. It can be understood that the business completion rate corresponding to each business type can be realized according to the above calculation method, such as pulling the historical transaction data of a certain business type at intervals (for example, every day, or two days, or 12 hours, etc.) within the business statistical period, and then updating and storing the business completion rate corresponding to each business type according to the above calculation method.

[0099] In one or more embodiments, the historical transaction time and business category label corresponding to the historical transaction data contained in the business database can be obtained, the business statistical period corresponding to the business type can be obtained, and the historical transaction data whose business category label is the business type and whose historical transaction time is in the business statistical period can be combined into a candidate transaction set. The acquisition process of the candidate transaction set can refer to the relevant description in the aforementioned step S201 and step S202, which will not be repeated here. Further, the historical business transfer volume and business processing status corresponding to the historical transaction data contained in the candidate transaction set can be obtained. In the candidate transaction set, the historical transaction data whose business processing status is the business completed state are combined into a successful transaction set; the historical business transfer volume corresponding to the historical transaction data in the candidate transaction set is accumulated to obtain the total historical transfer volume corresponding to the business type (which can be recorded as orders_n*order_amout); the historical business transfer volume corresponding to the historical transaction data in the successful transaction set is accumulated to obtain the historical successful transfer volume corresponding to the business type (which can be recorded as completion_n*amount); the ratio between the historical successful transfer volume and the historical transfer volume is determined as the business completion rate corresponding to the business type. The calculation method of the business completion rate at this time can be expressed as: completionRate = (completion_n*amount) / (orders_n*order_amout), which represents the ratio between the historical successful transfer volume and the historical total transfer volume of the business type to which the source business transaction belongs within the business statistical period.

[0100] See also Figure 6 , Figure 6 Schematic diagram of calculating the business success rate provided by the embodiment of the present application. Figure 6 As shown, all submitted business transaction data (which can be called historical transaction data) in the business platform can be recorded in the business database; that is, the business database records the historical transaction data under all business scenarios, and each historical transaction data contains the transaction submission time, whether the transaction was finally completed (business processing status), and the business category label. The transaction completion rate calculator (which can be used to calculate the business completion rate corresponding to each business type) can calculate the transaction completion rate of various business types every period of time, and then pull all historical transaction data of a single business type in the current business statistical period from the business database according to the pre-set business statistical period, and then according to the aforementioned calculation method completionRate = completion_n / orders_n, to obtain the business completion rate corresponding to each business type and update the record. As Figure 6 As shown, if the business platform includes multiple business types such as business type A, business type B, ..., business type X, etc., the business completion rate corresponding to business type A, the business completion rate corresponding to business type B, ..., the business completion rate corresponding to business type X, etc. can be calculated through the business completion rate calculator, and then the business completion rate can be updated according to the business type, that is, the business completion rate records can be distinguished by business type.

[0101] Step S204, obtaining the first asset type and the second asset type associated with the source business transaction, and obtaining the source business transfer amount in the source business transaction, and determining the product of the source business transfer amount and the business completion rate as the first transaction transfer amount corresponding to the second asset type.

[0102] Specifically, the source business transaction involves the conversion between different asset types, so the first asset type and the second asset type associated with the source business transaction can be obtained, and at the same time, the source business transfer amount (also recorded as amountOriginal) in the source business transaction can also be obtained, and the source business transfer amount belongs to the second asset type. When the object selects the transaction resource and submits the source business transaction, the business platform can determine the product of the source transaction transfer amount in the source business transaction and the business completion rate corresponding to the business type (which can be recorded as completionRate) as the first transaction transfer amount (which can be recorded as amountRisk) of the second asset type for risk control; wherein, the first transaction transfer amount of the second asset type can be expressed as amountRisk = amountOriginal*completionRate.

[0103] Step S205, obtaining a transaction submission time corresponding to the source business transaction, and obtaining a first asset conversion rate between the first asset type and the second asset type at the transaction submission time.

[0104] The transaction submission time may refer to the time when the object submits the source business transaction in the business platform, and the first asset conversion rate may refer to the asset conversion rate of the first asset type and the second asset type at the transaction submission time point.

[0105] Step S206, determining the first transaction transfer amount corresponding to the first asset type according to the first asset conversion rate and the first transaction transfer amount corresponding to the second asset type, and obtaining the first transaction digital asset equal to the first transaction transfer amount corresponding to the first asset type in the platform asset address corresponding to the first asset type.

[0106] Specifically, the first transaction transfer amount corresponding to the first asset type can be determined based on the first asset conversion rate and the first transaction transfer amount corresponding to the second asset type. The first transaction transfer amount corresponding to the first asset type may refer to the digital assets of the first asset type that need to be consumed to purchase the first transaction transfer amount of the second asset type at the transaction submission time. Furthermore, the first transaction digital assets equal to the first transaction transfer amount corresponding to the first asset type can be obtained from the platform asset address of the first asset type; wherein the platform asset address may be an asset account of the business platform (the asset account here is an account of the first asset type).

[0107] Step S207: Generate a first asset conversion transaction according to the first transaction digital asset and the first asset conversion rate, and store the first asset conversion transaction in a transaction database.

[0108] Specifically, digital assets equal to the first transaction transfer amount of the second asset type can be purchased in the digital asset trading platform based on the first transaction digital asset (the digital asset here can be a transaction conversion asset of the second asset type). This process can be called a first asset conversion transaction, and the first asset conversion transaction here can be stored in the transaction database.

[0109] Step S208: If it is detected that the source business transaction is in a business end state, the transaction end time corresponding to the source business transaction is obtained, and the second asset conversion rate between the first asset type and the second asset type is obtained at the transaction end time.

[0110] Specifically, when the business platform actively initiates the first asset conversion transaction, it can execute the source business transaction according to all the original business processes of the source business transaction. When the source business transaction is in a business end state (such as the source business transaction is reached, or the object cancels the source business transaction, or the source business transaction ends due to the expiration of the transaction validity period, etc.), the transaction end time corresponding to the source business transaction can be obtained, and then the second asset conversion rate between the first asset type and the second asset type can be obtained at the transaction end time. The transaction end time can refer to the time point when the source business transaction ends. The process of judging whether the source business transaction is in a business end state can be referred to above. Figure 2 The relevant description in step S103 of the corresponding embodiment will not be repeated here.

[0111] Step S209: acquiring a transaction conversion asset of a second asset type according to the first asset conversion transaction in the transaction database, and generating a second asset conversion transaction according to the transaction conversion asset and the second asset conversion rate.

[0112] Specifically, the first asset conversion transaction can be read in the transaction database to determine the transaction conversion asset of the second asset type, and then the second transaction digital asset of the first asset type can be purchased in the digital asset trading platform based on the transaction conversion asset and the second asset conversion rate. This process can be called the second asset conversion transaction.

[0113] Step S210, encapsulate the source business transaction and the transaction submission time, business end status, and business type corresponding to the source business transaction into source transaction data, and store the source transaction data in the business database.

[0114] Specifically, the source business transaction in the business termination state can be stored in the business database. For example, the source business transaction and the transaction submission time, business termination state, and business type corresponding to the source business transaction can be encapsulated as source transaction data, and the source transaction data can be stored in the business database. Then, the business completion rate corresponding to the business type to which the source business transaction belongs can be updated and recorded.

[0115] See also Figure 7 , Figure 7 Schematic diagram of a source business transaction scenario provided by the embodiment of the present application. The embodiment of the present application takes the business transaction in the e-commerce shopping platform as an example for explanation. Figure 7The terminal device 30a shown can be a computer device used by the object, and the terminal device 30a can run an e-commerce shopping platform. If the object wants to purchase the electronic product xx3 in the platform xx1 in the e-commerce shopping platform (the purchase of the electronic product xx3 requires the consumption of the source business transfer amount of the second asset type of 1000), then the object can select the electronic product xx3 and select the model, color, purchase quantity and other information of the electronic product xx3, and then can enter the transaction page 30b of the electronic product xx3, and generate the source business transaction 30c for the electronic product xx3 in the transaction page 30b. After confirming that there is no problem with the source business transaction 30c generated in the transaction page 30b, the object can perform a trigger operation on the "Submit" control in the transaction page 30b to submit the source business transaction 30c in the e-commerce shopping platform. It can be understood that the asset type consumed by the object when purchasing the electronic product xx3 is the first asset type, that is, the source business transaction 30c involves the conversion between the first asset type and the second asset type.

[0116] Since the processing of the source business transaction 30c takes a period of time, such as several days or even a month, after the object submits the source business transaction 30c, the transaction submission time corresponding to the source business transaction 30c (such as xxx-xx-01) can be obtained, and then the first asset conversion rate of the first asset type and the second asset type at the transaction submission time can be obtained (for example, the first asset conversion rate is 7:1). Assuming that the business completion rate of the business type of purchasing electronic products (here can be recorded as business type A) in the e-commerce platform is 85%, then the asset conversion transaction can be actively carried out according to the source business transfer volume and business completion volume, that is, the first asset conversion transaction is initiated. For example, the first asset conversion transaction at this time can be understood as the business platform (the business platform here can refer to a third-party payment platform associated with the e-commerce shopping platform) actively using the first transaction digital asset of the first asset type to purchase the transaction conversion asset of the second asset type in the digital asset trading platform (the data volume can specifically be the product of the source business transfer volume and the business completion rate, that is, 1000*85%=850); since the first asset conversion rate when submitting the source business transaction 30c is 7:1, the first transaction digital asset of the first asset type that needs to be spent is 850*7=5950.

[0117] When the source business transaction 30c ends (for example, the transaction is successfully completed), the transaction end time is xxxx-xx-02, and the second asset conversion rate between the first asset type and the second asset type is 7.2:1 at the transaction end time. At this time, the business platform can generate a second asset conversion transaction based on the transaction conversion asset 850 of the second asset type purchased in the first asset conversion transaction. The second asset conversion transaction can be used to indicate the conversion of the transaction conversion asset 850 of the second asset type into a second transaction digital asset 850*7.2=6120 of the first asset type. It can be understood that, in the processing of the source business transaction 30c, the digital asset of the first asset type actually spent by the object to purchase the electronic product xx3 is 1000*7=7000 (calculated according to the transaction submission time of the source business transaction 30c submitted by the object), and the digital asset of the first asset type that the business platform needs to spend to complete the source business transaction 30c is 1000*7.2=7200 (calculated according to the transaction end time of the source business transaction 30c), and the asset difference between the two is 200; because the business platform actively initiates the first asset conversion transaction and the second asset conversion transaction, the final asset difference of the business platform is: -5950+7000-7200+6120=-30, and the final asset difference becomes 30. The embodiment of the present application actively initiates the asset conversion transaction at the two time points of the object submitting the source business transaction 30c and completing the source business transaction 30c, which greatly reduces the transaction risk brought to the business by the fluctuation risk of the asset conversion rate in various business scenarios involving asset conversion, thereby improving the risk resistance of the business platform and improving the stability of the source business.

[0118] It is understandable that, for the above-mentioned second asset conversion transaction, after the source business transaction is successfully completed, the first asset conversion transaction and the second asset conversion transaction can be netted, thereby reducing transaction costs. Optionally, in order to reduce transaction costs, the first asset conversion transaction and the second asset conversion transaction can also be transactions for other asset types other than the first asset type and the second asset type involved in the source business transaction, and this application does not limit this.

[0119] In the embodiment of the present application, if it is detected that the source business transaction associated with the object is in a business submitted state, the business type corresponding to the source business transaction is obtained, and the business completion rate corresponding to the business type is obtained, wherein the source business transaction involves a first asset type and a second asset type. Then, a first asset conversion transaction can be generated according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type in the source business transaction, and the first asset conversion transaction is used to indicate that the first transaction data asset of the first asset type is converted into a transaction conversion asset of the second asset type. If it is detected that the source business transaction is in a business end state, a second asset conversion transaction is generated according to the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type, and the second asset conversion transaction is used to indicate that the transaction conversion asset is converted into a second transaction digital asset of the first asset type. In the processing of the source business transaction, all business processes of the source business transaction do not need to be additionally changed, and it is only necessary to actively initiate asset conversion transactions at the time points of submitting the source business transaction and ending the source business transaction in turn; through the two asset conversion transactions actively initiated, the business transaction risk caused by the fluctuation of the asset conversion rate between different asset types can be reduced, and the transaction stability of the source business can be improved.

[0120] It is understandable that in the specific implementation of this application, it may involve user (transaction resource purchaser, transaction resource provider, third-party payment platform) account information, digital asset quota, business transaction information, etc. When the above embodiments of this application are applied to specific products or technologies, it is necessary to obtain the user's permission or consent, and the collection, use and processing of relevant data need to comply with the relevant laws, regulations and standards of relevant countries and regions.

[0121] See also Figure 8 , Figure 8 This is a schematic diagram of the structure of a business data processing device provided in an embodiment of the present application. Figure 1 It can be understood that the business data processing device can be applied in Figure 1 In the doorbell device 10b shown in FIG. Figure 8 As shown, the business data processing device 1 may include a completion rate acquisition unit 101, a first transaction generation unit 102, and a second transaction generation unit 103;

[0122] The completion rate acquisition unit 101 is used to acquire the business type corresponding to the source business transaction and the business completion rate corresponding to the business type if it is detected that the source business transaction associated with the object is in a business submitted state;

[0123] The first transaction generating unit 102 is used to obtain the first asset type and the second asset type associated with the source business transaction, and obtain the source business transfer amount in the source business transaction, and generate a first asset conversion transaction according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type; the first asset conversion transaction is used to indicate the conversion of a first transaction digital asset of the first asset type into a transaction conversion asset of the second asset type;

[0124] The second transaction generation unit 103 is used to generate a second asset conversion transaction based on the transaction conversion assets and the second asset conversion rate between the first asset type and the second asset type if it is detected that the source business transaction is in a business termination state; the second asset conversion transaction is used to indicate the conversion of the transaction conversion assets into a second transaction digital asset of the first asset type.

[0125] In one or more embodiments, the completion rate acquisition unit 101 acquires the service completion rate corresponding to the service type, including:

[0126] Obtain the historical transaction time and business category label corresponding to the historical transaction data contained in the business database, and combine the historical transaction data with the business category label as the business type into an initial transaction set;

[0127] Obtain the business statistical period corresponding to the business type, and in the initial transaction set, combine the historical transaction data whose historical transaction time belongs to the business statistical period into a candidate transaction set;

[0128] The total business transaction volume and the completed business transaction volume corresponding to the candidate transaction set are obtained, and the ratio between the completed business transaction volume and the total business transaction volume is determined as the business completion rate corresponding to the business type.

[0129] In one or more embodiments, the completion rate acquisition unit 101 acquires the service statistical period corresponding to the service type, including:

[0130] Get the initial statistical period corresponding to the business type, and count the number of historical transactions whose historical transaction time belongs to the initial statistical period in the initial transaction set;

[0131] If the number of historical transactions is less than the transaction number threshold, the initial statistical period is extended to obtain a business statistical period corresponding to the business type.

[0132] In one or more embodiments, the completion rate acquisition unit 101 acquires the service completion rate corresponding to the service type, including:

[0133] Obtain the historical transaction time and business category label corresponding to the historical transaction data contained in the business database, obtain the business statistical period corresponding to the business type, and combine the historical transaction data whose business category label is the business type and whose historical transaction time is within the business statistical period into a candidate transaction set;

[0134] Obtain the historical business transfer volume and business processing status corresponding to the historical transaction data included in the candidate transaction set, and in the candidate transaction set, combine the historical transaction data whose business processing status is the business completed state into a successful transaction set;

[0135] Accumulate the historical business transfer volume corresponding to the historical transaction data in the candidate transaction set to obtain the total historical transfer volume corresponding to the business type, and accumulate the historical business transfer volume corresponding to the historical transaction data in the successful transaction set to obtain the historical successful transfer volume corresponding to the business type;

[0136] The ratio between the historical successful transfer volume and the historical total transfer volume is determined as the business completion rate corresponding to the business type.

[0137] In one or more embodiments, the first transaction generating unit 102 generates a first asset conversion transaction according to the source business transfer volume, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type, including:

[0138] The product of the source business transfer volume and the business completion rate is determined as the first transaction transfer volume corresponding to the second asset type, the transaction submission time corresponding to the source business transaction is obtained, and the first asset conversion rate between the first asset type and the second asset type is obtained at the transaction submission time;

[0139] Determine the first transaction transfer amount corresponding to the first asset type according to the first asset conversion rate and the first transaction transfer amount corresponding to the second asset type, and obtain the first transaction digital asset equal to the first transaction transfer amount corresponding to the first asset type in the platform asset address corresponding to the first asset type;

[0140] A first asset conversion transaction is generated according to the first transaction digital asset and the first asset conversion rate, and the first asset conversion transaction is stored in a transaction database.

[0141] In one or more embodiments, if the second transaction generating unit 103 detects that the source business transaction is in a business end state, the second transaction generating unit 103 generates a second asset conversion transaction according to the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type, including:

[0142] If it is detected that the source business transaction is in a business end state, the transaction end time corresponding to the source business transaction is obtained, and the second asset conversion rate between the first asset type and the second asset type is obtained at the transaction end time;

[0143] Acquire a transaction conversion asset of a second asset type according to a first asset conversion transaction in a transaction database, and generate a second asset conversion transaction according to the transaction conversion asset and a second asset conversion rate.

[0144] In one or more embodiments, the business data processing device 1 further includes: a submission information acquisition unit 104, an asset deduction unit 105, and an asset transfer unit 10;

[0145] The submission information acquisition unit 104 is used to acquire the object submission information provided by the object as the source business transaction, and acquire the business processing strategy corresponding to the source business transaction;

[0146] The asset transfer unit 105 is used for the asset transfer unit, and is used for adding the source business digital assets of the second asset type equal to the source business transfer amount to the target address indicated by the source business transaction if the object submission information meets the business execution conditions indicated by the business processing policy, and updating the business processing status of the source business transaction to the business end status.

[0147] In one or more embodiments, the business data processing device 1 further includes: a transaction cancellation unit 106, a cancellation confirmation unit 107, and a transaction ending unit 108;

[0148] The transaction canceling unit 106 is used to respond to the cancel operation on the source business transaction and obtain the object operation information associated with the cancel operation;

[0149] The confirmation cancellation unit 107 is used to generate confirmation prompt information for the source business transaction if the object operation information satisfies the operation authority corresponding to the source business transaction;

[0150] The transaction ending unit 108 is used to respond to the confirmation operation for the confirmation prompt information, stop executing the source business transaction, and update the business processing state of the source business transaction to a business ending state.

[0151] In one or more embodiments, the business data processing device 1 further includes: a validity period determination unit 109, a transaction ending unit 108;

[0152] The validity period determination unit 109 is used to determine the transaction validity period corresponding to the source business transaction according to the transaction submission time corresponding to the source business transaction;

[0153] The transaction ending unit 108 is further configured to stop executing the source business transaction and update the business processing state of the source business transaction to a business ending state if it is detected that the source business transaction has not been completed within the transaction validity period.

[0154] In one or more embodiments, the business data processing device 1 further includes: a transaction storage unit 110;

[0155] The transaction storage unit 110 is used to encapsulate the source business transaction and the transaction submission time, business end status, and business type corresponding to the source business transaction as source transaction data if it is detected that the source business transaction is in a business end state, and store the source transaction data in a business database.

[0156] According to an embodiment of the present application, the steps involved in the business data processing method shown above can be Figure 8 The business data processing device 1 shown in the figure is executed by each unit. For example, Figure 2 Step S101 shown can be performed by Figure 8 The completion rate acquisition unit 101 shown is used to execute, Figure 2 Step S102 shown can be performed by Figure 8 The first transaction generation unit 102 shown is executed, Figure 2 Step S103 shown can be performed by Figure 8 The second transaction generation unit 103 shown is used to execute the same.

[0157] According to one embodiment of the present application, Figure 8 The various units in the business data processing device 1 shown can be separately or all combined into one or several units to constitute, or one (some) of the units can be further divided into at least two functionally smaller sub-units, which can achieve the same operation without affecting the realization of the technical effects of the embodiments of the present application. The above-mentioned units are divided based on logical functions. In practical applications, the function of one unit can also be implemented by at least two units, or the function of at least two units can be implemented by one unit. In other embodiments of the present application, the business data processing device 1 may also include other units. In practical applications, these functions can also be implemented with the assistance of other units, and can be implemented by the collaboration of at least two units.

[0158] In the embodiment of the present application, if it is detected that the source business transaction associated with the object is in a business submitted state, the business type corresponding to the source business transaction is obtained, and the business completion rate corresponding to the business type is obtained, wherein the source business transaction involves a first asset type and a second asset type. Then, a first asset conversion transaction can be generated according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type in the source business transaction, and the first asset conversion transaction is used to indicate that the first transaction data asset of the first asset type is converted into a transaction conversion asset of the second asset type. If it is detected that the source business transaction is in a business end state, a second asset conversion transaction is generated according to the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type, and the second asset conversion transaction is used to indicate that the transaction conversion asset is converted into a second transaction digital asset of the first asset type. In the processing of the source business transaction, all business processes of the source business transaction do not need to be additionally changed, and it is only necessary to actively initiate asset conversion transactions at the time points of submitting the source business transaction and ending the source business transaction in turn; through the two asset conversion transactions actively initiated, the business transaction risk caused by the fluctuation of the asset conversion rate between different asset types can be reduced, and the transaction stability of the source business can be improved.

[0159] See also Fig. 9 , Fig. 9 Schematic diagram of the structure of a computer device provided in an embodiment of the present application. Fig. 9 As shown, the computer device 1000 may be a terminal device, for example, Figure 1 The terminal device 10a in the corresponding embodiment may also be a server, for example, Figure 1 The server 10b in the corresponding embodiment will not be limited here. For ease of understanding, this application takes a computer device as an example of a terminal device. The computer device 1000 may include: a processor 1001, a network interface 1004 and a memory 1005. In addition, the computer device 1000 may also include: a user interface 1003, and at least one communication bus 1002. Among them, the communication bus 1002 is used to realize the connection and communication between these components. Among them, the user interface 1003 may also include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1005 may be a high-speed RAM memory, or it may be a non-volatile memory (non-volatile memory), such as at least one disk storage. The memory 1005 may optionally also be at least one storage device located away from the aforementioned processor 1001. As Fig. 9As shown, the memory 1005 as a computer-readable storage medium may include an operating system, a network communication module, a user interface module, and a device control application program.

[0160] The network interface 1004 in the computer device 1000 can also provide a network communication function; optionally, the user interface 1003 can also include a display screen (Display) and a keyboard (Keyboard). Fig. 9 In the computer device 1000 shown, the network interface 1004 can provide a network communication function; the user interface 1003 is mainly used to provide an input interface for the user; and the processor 1001 can be used to call the device control application stored in the memory 1005 to achieve:

[0161] If it is detected that the source business transaction associated with the object is in a business submitted state, then the business type corresponding to the source business transaction is obtained, and the business completion rate corresponding to the business type is obtained;

[0162] Acquire the first asset type and the second asset type associated with the source business transaction, and acquire the source business transfer amount in the source business transaction, and generate a first asset conversion transaction according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type; the first asset conversion transaction is used to indicate the conversion of a first transaction digital asset of the first asset type into a transaction conversion asset of the second asset type;

[0163] If it is detected that the source business transaction is in a business termination state, a second asset conversion transaction is generated based on the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type; the second asset conversion transaction is used to indicate the conversion of the transaction conversion asset into a second transaction digital asset of the first asset type.

[0164] It should be understood that the computer device 1000 described in the embodiment of the present application can execute the above Figure 2 and Figure 5 The description of the business data processing method in any corresponding embodiment can also be performed as described above. Figure 8 The description of the service data processing device 1 in the corresponding embodiment, or the above Fig. 9 The description of the service data processing device 2 in the corresponding embodiment will not be repeated here. In addition, the description of the beneficial effects of the same method will not be repeated here either.

[0165] In addition, it should be pointed out here that: the embodiment of the present application also provides a computer-readable storage medium, and the computer-readable storage medium stores a computer program executed by the business data processing device 1 or the business data processing device 2 mentioned above, and the computer program includes program instructions. When the processor executes the program instructions, it can execute the above-mentioned Figure 2 and Figure 5 The description of the business data processing method in any corresponding embodiment will not be repeated here. In addition, the description of the beneficial effects of the same method will not be repeated. Among them, the storage medium can be a disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc. For technical details not disclosed in the computer-readable storage medium embodiment involved in this application, please refer to the description of the method embodiment of this application. As an example, program instructions can be deployed on a computing device for execution, or on multiple computing devices located at one location, or on multiple computing devices distributed at multiple locations and interconnected by a communication network. Multiple computing devices distributed at multiple locations and interconnected by a communication network can constitute a blockchain system.

[0166] In addition, it should be noted that: the embodiment of the present application also provides a computer program product or a computer program, which may include computer instructions, and the computer instructions may be stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor may execute the computer instructions, so that the computer device executes the above Figure 2 and Figure 5 The description of the business data processing method in any corresponding embodiment will not be repeated here. In addition, the description of the beneficial effects of the same method will not be repeated. For technical details not disclosed in the computer program product or computer program embodiment involved in this application, please refer to the description of the method embodiment of this application.

[0167] The terms "first", "second", etc. in the description, claims, and drawings of the embodiments of the present application are used to distinguish different media contents, rather than to describe a specific order. In addition, the term "comprising" and any variation thereof are intended to cover non-exclusive inclusions. For example, a process, method, device, product, or equipment comprising a series of steps or units is not limited to the listed steps or modules, but may optionally include steps or modules that are not listed, or may optionally include other step units inherent to these processes, methods, devices, products, or equipment.

[0168] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0169] The method and related apparatus provided by the embodiment of the present application are described with reference to the method flow chart and / or structural diagram provided by the embodiment of the present application. Specifically, each process and / or box in the method flow chart and / or structural diagram, as well as the combination of the processes and / or boxes in the flow chart 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, a special-purpose computer, an embedded processor or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the process in the process. Figure 1 A process or multiple processes and / or structures Figure 1 These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing device to work in a specific way, so that the instructions stored in the computer-readable memory produce a product including an instruction device, which implements the functions specified in the process. Figure 1 A process or multiple processes and / or structures Figure 1 These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operation steps are executed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide for implementing the process in the process. Figure 1 A flow or multiple flows and / or structures illustrate the steps of the functions specified in one block or multiple blocks.

[0170] The above disclosure is only the preferred embodiment of the present application, which certainly cannot be used to limit the scope of rights of the present application. Therefore, equivalent changes made according to the claims of the present application are still within the scope covered by the present application.

Claims

1. A business data processing method, characterized in that: include: If it is detected that the source business transaction associated with the object is in a business submitted state, then obtaining the business type corresponding to the source business transaction and obtaining the business completion rate corresponding to the business type; Acquire the first asset type and the second asset type associated with the source business transaction, and acquire the source business transfer amount in the source business transaction, and generate a first asset conversion transaction according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type; the first asset conversion transaction is used to indicate the conversion of a first transaction digital asset of the first asset type into a transaction conversion asset of the second asset type; If it is detected that the source business transaction is in a business termination state, a second asset conversion transaction is generated based on the transaction conversion asset and the second asset conversion rate between the first asset type and the second asset type; the second asset conversion transaction is used to indicate the conversion of the transaction conversion asset into a second transaction digital asset of the first asset type.

2. The method according to claim 1, characterized in that The obtaining of the business completion rate corresponding to the business type includes: Obtain historical transaction time and business category labels corresponding to historical transaction data contained in the business database, and combine historical transaction data with business category labels of the business type into an initial transaction set; Acquire a business statistical period corresponding to the business type, and in the initial transaction set, combine historical transaction data whose historical transaction time belongs to the business statistical period into a candidate transaction set; The total business transaction volume and the completed business transaction volume corresponding to the candidate transaction set are obtained, and the ratio between the completed business transaction volume and the total business transaction volume is determined as the business completion rate corresponding to the business type.

3. The method according to claim 2, characterized in that The obtaining of the service statistical period corresponding to the service type includes: Acquire an initial statistical period corresponding to the business type, and count the number of historical transactions in the initial transaction set whose historical transaction time belongs to the initial statistical period; If the number of historical transactions is less than the transaction number threshold, the initial statistical period is extended to obtain a business statistical period corresponding to the business type.

4. The method according to claim 1, characterized in that: The obtaining of the business completion rate corresponding to the business type includes: Obtaining historical transaction time and business category labels corresponding to historical transaction data contained in a business database, obtaining a business statistical period corresponding to the business type, and combining historical transaction data whose business category label is the business type and whose historical transaction time is within the business statistical period into a candidate transaction set; Acquire the historical business transfer amount and business processing status corresponding to the historical transaction data included in the candidate transaction set, and combine the historical transaction data whose business processing status is a business completed state into a successful transaction set in the candidate transaction set; Accumulating the historical business transfer amounts corresponding to the historical transaction data in the candidate transaction set to obtain the total historical transfer amount corresponding to the business type, and accumulating the historical business transfer amounts corresponding to the historical transaction data in the successful transaction set to obtain the historical successful transfer amount corresponding to the business type; The ratio between the historical successful transfer amount and the historical total transfer amount is determined as the service completion rate corresponding to the service type.

5. The method according to claim 1, characterized in that The generating a first asset conversion transaction according to the source business transfer amount, the business completion rate, and the first asset conversion rate between the first asset type and the second asset type includes: The product of the source business transfer amount and the business completion rate is determined as the first transaction transfer amount corresponding to the second asset type, the transaction submission time corresponding to the source business transaction is obtained, and the first asset conversion rate between the first asset type and the second asset type is obtained at the transaction submission time; Determine the first transaction transfer amount corresponding to the first asset type according to the first asset conversion rate and the first transaction transfer amount corresponding to the second asset type, and obtain the first transaction digital asset equal to the first transaction transfer amount corresponding to the first asset type from the platform asset address corresponding to the first asset type; A first asset conversion transaction is generated according to the first transaction digital asset and the first asset conversion rate, and the first asset conversion transaction is stored in a transaction database.

6. The method according to claim 1, characterized in that If it is detected that the source business transaction is in a business end state, generating a second asset conversion transaction according to the transaction conversion asset and a second asset conversion rate between the first asset type and the second asset type, including: If it is detected that the source business transaction is in a business end state, obtaining a transaction end time corresponding to the source business transaction, and obtaining a second asset conversion rate between the first asset type and the second asset type at the transaction end time; Acquire a transaction conversion asset of the second asset type according to a first asset conversion transaction in a transaction database, and generate a second asset conversion transaction according to the transaction conversion asset and the second asset conversion rate.

7. The method according to claim 1, characterized in that The method further comprises: Acquire the object submission information provided by the object for the source business transaction, and acquire the business processing policy corresponding to the source business transaction; If the object submission information meets the business execution conditions indicated by the business processing policy, the source business digital assets of the second asset type equal to the source business transfer amount will be added to the target address indicated by the source business transaction, and the business processing status of the source business transaction will be updated to the business end status.

8. The method according to claim 1, characterized in that The method further comprises: In response to a cancel operation on the source business transaction, obtaining object operation information associated with the cancel operation; If the object operation information satisfies the operation authority corresponding to the source business transaction, generating confirmation prompt information for the source business transaction; In response to a confirmation operation on the confirmation prompt information, execution of the source business transaction is stopped, and a business processing state of the source business transaction is updated to a business end state.

9. The method according to claim 1, characterized in that: The method further comprises: Determine the transaction validity period corresponding to the source business transaction according to the transaction submission time corresponding to the source business transaction; If it is detected that the source business transaction has not been completed within the transaction validity period, the execution of the source business transaction is stopped, and the business processing status of the source business transaction is updated to a business end status.

10. The method according to claim 1, characterized in that The method further comprises: If it is detected that the source business transaction is in a business end state, the source business transaction and the transaction submission time, business end state, and business type corresponding to the source business transaction are encapsulated as source transaction data, and the source transaction data is stored in a business database.

11. A business data processing device, characterized in that: include: A completion rate acquisition unit, configured to acquire a business type corresponding to the source business transaction and a business completion rate corresponding to the business type if it is detected that the source business transaction associated with the object is in a business submitted state; A first transaction generating unit is configured to obtain a first asset type and a second asset type associated with the source business transaction, and obtain a source business transfer amount in the source business transaction, and generate a first asset conversion transaction according to the source business transfer amount, the business completion rate, and a first asset conversion rate between the first asset type and the second asset type; the first asset conversion transaction is used to indicate the conversion of a first transaction digital asset of the first asset type into a transaction conversion asset of the second asset type; A second transaction generating unit is configured to generate a second asset conversion transaction based on the transaction conversion asset and a second asset conversion rate between the first asset type and the second asset type if it is detected that the source business transaction is in a business termination state; the second asset conversion transaction is configured to indicate that the transaction conversion asset is converted into a second transaction digital asset of the first asset type.

12. A computer device, characterized in that: including memory and processor; The memory is connected to the processor, the memory is used to store a computer program, and the processor is used to call the computer program so that the computer device executes the method according to any one of claims 1 to 10.

13. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and the computer program is suitable for being loaded and executed by a processor, so that a computer device having the processor executes the method according to any one of claims 1 to 10.

14. A computer program product, characterized in that The method comprises a computer program / instruction, which implements the method according to any one of claims 1 to 10 when executed by a processor.

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