Business processing method and device, electronic equipment and computer readable medium

Abstract

The invention discloses a business processing method and device, electronic equipment and a computer readable medium, and relates to the technical field of data processing.The specific implementation mode comprises the steps that a transaction instruction is received, and a corresponding instruction type and a user identifier are determined; determining a transaction account type according to the user identifier, determining a corresponding execution component according to the instruction type and the transaction account type, and locking an execution process corresponding to the execution component; and calling an execution process to execute the transaction instruction, and obtaining and outputting corresponding transaction result data. Therefore, custom fund supervision is realized according to the transaction account type and the instruction type, and related transaction businesses are flexibly and efficiently processed.

Description

Technical Field

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

[0002] The supervisor of the public wallet maintains the payment and collection control status of the wallet in real time through the platform to the operating institution, and does not allow other roles except the supervisor to change the status until the series of transactions are completed or the Internet platform no longer needs to be supervised. The docking of the public wallet with smart contracts requires different fund supervision methods for different sub-accounts. The existing parent-child wallet system can only perform unified and standardized supervision, and cannot efficiently realize customized fund supervision. Summary of the invention

[0003] In view of this, the embodiments of the present application provide a business processing method, device, electronic device and computer-readable medium, which can solve the problem that the existing parent-child wallet system can only perform unified and standardized supervision but cannot efficiently implement customized funds supervision.

[0004] To achieve the above objective, according to one aspect of an embodiment of the present application, a service processing method is provided, including:

[0005] Receive transaction instructions and determine the corresponding instruction type and user ID;

[0006] Determine the trading account type according to the user ID, determine the corresponding execution component according to the instruction type and the trading account type, and lock the execution process corresponding to the execution component;

[0007] Call the execution process to execute the transaction instruction, obtain the corresponding transaction result data and output it.

[0008] Optionally, determining a corresponding execution component includes:

[0009] In response to the instruction type being a refund instruction, determining a corresponding trading account list according to the trading account type, and then determining a target trading account according to the refund instruction and the trading account list;

[0010] According to the refund instruction and the target transaction account, a corresponding refund component is determined, and the refund component is determined as a corresponding execution component.

[0011] Optionally, determining a corresponding execution component includes:

[0012] In response to the instruction type being a payment instruction, determining a corresponding preset abnormal account list and a preset normal account list based on the transaction account type;

[0013] The verification components corresponding to the preset abnormal account list and the preset normal account list are determined as corresponding execution components.

[0014] Optionally, calling an execution process to execute the transaction instruction includes:

[0015] In response to the execution component being a refund component, an execution process corresponding to the refund component is called to verify the refund information, and in response to the verification being passed, a refund operation corresponding to the transaction instruction is executed.

[0016] Optionally, calling an execution process to execute the transaction instruction includes:

[0017] In response to the execution component being a verification component, obtaining payment information corresponding to the transaction instruction, and calling an execution process corresponding to the verification component to sequentially verify a preset abnormal account list and a preset normal account list based on the payment information;

[0018] In response to the verification result that the payment information is in the preset abnormal account list, the transaction instruction is refused to be executed; in response to the verification result that the payment information is in the preset normal account list, the transaction instruction is executed.

[0019] Optionally, the method further comprises:

[0020] In response to the information change request, obtaining a corresponding preset abnormal account list identifier and a corresponding preset normal account list identifier and change direction information;

[0021] Based on the change direction information, an information change operation is performed between the preset abnormal account list corresponding to the preset abnormal account list identifier and the preset normal account list corresponding to the preset normal account list identifier.

[0022] Optionally, before performing an information change operation between a preset abnormal account list corresponding to a preset abnormal account list identifier and a preset normal account list corresponding to a preset normal account list identifier based on the change direction information, the method further includes:

[0023] The audit verification process is performed based on the preset abnormal account list identifier, the preset normal account list identifier and the change direction information.

[0024] In addition, the present application also provides a service processing device, including:

[0025] A receiving unit, configured to receive a transaction instruction and determine a corresponding instruction type and a user identifier;

[0026] An execution component determination unit is configured to determine a trading account type according to a user identifier, determine a corresponding execution component according to an instruction type and a trading account type, and lock an execution process corresponding to the execution component;

[0027] The execution unit is configured to call the execution process to execute the transaction instruction, obtain the corresponding transaction result data and output it.

[0028] Optionally, the execution component determination unit is further configured to:

[0029] In response to the instruction type being a refund instruction, determining a corresponding trading account list according to the trading account type, and then determining a target trading account according to the refund instruction and the trading account list;

[0030] According to the refund instruction and the target transaction account, a corresponding refund component is determined, and the refund component is determined as a corresponding execution component.

[0031] Optionally, the execution component determination unit is further configured to:

[0032] In response to the instruction type being a payment instruction, determining a corresponding preset abnormal account list and a preset normal account list based on the transaction account type;

[0033] The verification components corresponding to the preset abnormal account list and the preset normal account list are determined as corresponding execution components.

[0034] Optionally, the execution unit is further configured to:

[0035] In response to the execution component being a refund component, an execution process corresponding to the refund component is called to verify the refund information, and in response to the verification being passed, a refund operation corresponding to the transaction instruction is executed.

[0036] Optionally, the execution unit is further configured to:

[0037] In response to the execution component being a verification component, obtaining payment information corresponding to the transaction instruction, and calling an execution process corresponding to the verification component to sequentially verify a preset abnormal account list and a preset normal account list based on the payment information;

[0038] In response to the verification result that the payment information is in the preset abnormal account list, the transaction instruction is refused to be executed; in response to the verification result that the payment information is in the preset normal account list, the transaction instruction is executed.

[0039] Optionally, the service processing device further includes an information changing unit configured to:

[0040] In response to the information change request, obtaining a corresponding preset abnormal account list identifier and a corresponding preset normal account list identifier and change direction information;

[0041] Based on the change direction information, an information change operation is performed between the preset abnormal account list corresponding to the preset abnormal account list identifier and the preset normal account list corresponding to the preset normal account list identifier.

[0042] Optionally, the service processing device further includes an audit verification unit configured to:

[0043] The audit verification process is performed based on the preset abnormal account list identifier, the preset normal account list identifier and the change direction information.

[0044] In addition, the present application also provides a business processing electronic device, including: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by one or more processors, the one or more processors implement the business processing method as described above.

[0045] In addition, the present application also provides a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the business processing method as described above is implemented.

[0046] To achieve the above objective, according to another aspect of the embodiments of the present application, a computer program product is provided.

[0047] A computer program product according to an embodiment of the present application includes a computer program, and when the program is executed by a processor, the business processing method provided by the embodiment of the present application is implemented.

[0048] One embodiment of the above invention has the following advantages or beneficial effects: the present application receives a transaction instruction, determines the corresponding instruction type and user identification; determines the transaction account type according to the user identification, determines the corresponding execution component according to the instruction type and the transaction account type, locks the execution process corresponding to the execution component; calls the execution process to execute the transaction instruction, obtains the corresponding transaction result data and outputs it. Thus, by implementing customized fund supervision according to the transaction account type and instruction type, the relevant transaction business can be handled flexibly and efficiently.

[0049] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific implementation examples. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] The accompanying drawings are used to better understand the present application and do not constitute an improper limitation on the present application.

[0051] Figure 1 is a schematic diagram of the main process of a business processing method according to an embodiment of the present application;

[0052] Figure 2 is a schematic diagram of the main process of a business processing method according to an embodiment of the present application;

[0053] Figure 3 This is a schematic diagram of a wallet payment process of a business processing method according to an embodiment of the present application;

[0054] Figure 4 This is a schematic diagram of a wallet payment process according to a business processing method of an embodiment of the present application;

[0055] Figure 5 is a schematic diagram of main units of a service processing device according to an embodiment of the present application;

[0056] Figure 6 is an exemplary system architecture diagram to which the embodiments of the present application can be applied;

[0057] Figure 7 It is a structural diagram of a computer system of a terminal device or server suitable for implementing an embodiment of the present application. DETAILED DESCRIPTION

[0058] The following is an explanation of the exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the technical solution of the present application, the collection, analysis, use, transmission, storage and other aspects of user personal information involved are in compliance with the provisions of relevant laws and regulations, are used for legal and reasonable purposes, are not shared, leaked or sold outside of these legal uses, and are subject to supervision and management by regulatory authorities. Necessary measures should be taken for user personal information to prevent illegal access to such personal information data, ensure that persons who have access to personal information data comply with the provisions of relevant laws and regulations, and ensure the security of user personal information. Once these user personal information data are no longer needed, the risk should be minimized by restricting or even prohibiting data collection and / or deleting data.

[0059] When used, including in certain related applications, user privacy is protected by de-identifying data, such as by removing specific identifiers when used, controlling the amount or specificity of data stored, controlling how data is stored, and / or other methods of de-identification.

[0060] Figure 1 is a schematic diagram of the main process of a business processing method according to an embodiment of the present application, such as Figure 1 As shown, the business processing method includes:

[0061] Step S101, receiving a transaction instruction, and determining the corresponding instruction type and user identification.

[0062] In this embodiment, the execution entity of the business processing method (for example, it may be a server corresponding to the regulatory wallet) may receive the transaction instruction through a wired connection or a wireless connection.

[0063] After receiving the transaction instruction, the execution subject can determine the corresponding instruction type. Specifically, the instruction type can be, for example, a refund instruction or a payment instruction, and the embodiment of the present application does not specifically limit the instruction type. The execution subject can also obtain the user identification corresponding to the received transaction instruction. For example, the user identification can be the code, user name, etc. of the user who initiated the transaction, and the embodiment of the present application does not specifically limit the user identification.

[0064] Step S102, determining the trading account type according to the user identifier, determining the corresponding execution component according to the instruction type and the trading account type, and locking the execution process corresponding to the execution component.

[0065] In the embodiment of the present application, the refund instruction corresponds to the refund component. The payment instruction corresponds to the verification preset abnormal account list component and the preset normal account list component. The transaction account type may include the central bank accounting data center system account (i.e., ACS account) and the merchant's digital currency account. The embodiment of the present application does not specifically limit the transaction account type. After the execution subject determines the execution component corresponding to the instruction type and the transaction account type, the execution process corresponding to the execution component can be locked to prevent it from being occupied by other tasks and ensure that the transaction is completed quickly and accurately.

[0066] Specifically, determining the corresponding execution component includes: in response to the instruction type being a payment instruction, determining the corresponding preset abnormal account list and preset normal account list based on the transaction account type; and determining the verification components corresponding to the preset abnormal account list and the preset normal account list as the corresponding execution component. The preset abnormal account list may include accounts that have had abnormal transactions in the past, and the preset normal account list may include accounts that have not had abnormal transactions in the past.

[0067] The controlled payment system sets up a preset abnormal account list and a preset normal account list. The preset abnormal account list and the preset normal account list can refer to the actual payment matching control of a specific counterparty by setting the wallet number (or account) of the payee and payee, the wallet name (or account name), the limit and other information in the regulated wallet in advance. The regulated wallet transfers funds to the ACS account or the merchant's digital currency account according to whether the merchant accepts digital currency payment. The counterparty can refer to the counterparty transaction. Counterparty transaction is a banking business that occurs in the interbank bond market. It refers to the transaction business that first finds the counterparty, then negotiates the price, and then completes the transaction in the trading market.

[0068] In addition, mutually exclusive rules are set for the preset abnormal account list and the preset normal account list. If the information included in the preset abnormal account list needs to be changed to the preset normal account list, the regulatory node can be called to review and retain relevant certification information. For some (or all) of the counterparties included in the preset normal account list, the single or cumulative limit of the transaction and other amount controls can be reasonably set according to the provisions of the actual transaction contract / agreement.

[0069] After receiving each transaction instruction, the regulatory wallet first distinguishes whether the instruction is a refund instruction or a payment instruction. If it is a refund instruction, the refund component is directly called, and the refund operation is executed after the information is verified according to the component rules. If it is a payment instruction, the preset abnormal account list and the preset normal account list are checked in turn. If the payment information is in the preset abnormal account list, it is directly rejected without further checking the preset normal account list; if the payment information is in the preset normal account list, the payment is executed.

[0070] Specifically, the business processing method also includes: in response to an information change request, obtaining a preset normal account list identifier (such as a preset abnormal account list number or name) and change direction information corresponding to the corresponding preset abnormal account list identifier (such as a preset abnormal account list number or name); based on the change direction information, executing an information change operation between the preset abnormal account list corresponding to the preset abnormal account list identifier and the preset normal account list corresponding to the preset normal account list identifier.

[0071] The information change request may be to remove an item from the preset abnormal account list and include it in the preset normal account list, or to remove an item from the preset normal account list and include it in the preset abnormal account list. Change direction information may include: remove the preset abnormal account list and include it in the preset normal account list; or may include: remove the preset normal account list and include it in the preset abnormal account list. The wallet number (or account number) and wallet name (or account name) in the preset abnormal account list and the preset normal account list are mandatory information, and information such as limit is optional information. The execution entity may send information changes of the preset abnormal account list and the preset normal account list (such as removing the preset abnormal account list and including it in the preset normal account list) to the supervision node for review.

[0072] Specifically, before executing the information change operation between the preset abnormal account list corresponding to the preset abnormal account list identifier and the preset normal account list corresponding to the preset normal account list identifier based on the change direction information, the business processing method also includes: executing an audit verification process based on the preset abnormal account list identifier, the preset normal account list identifier and the change direction information.

[0073] Specifically, the preset abnormal account list identifier, the preset normal account list identifier and the change direction information can be sent to the supervision node so that the supervision node performs an audit verification based on the preset audit logic.

[0074] Step S103, calling the execution process to execute the transaction instruction, obtaining the corresponding transaction result data and outputting it.

[0075] Specifically, calling the execution process to execute the transaction instruction includes:

[0076] In response to the execution component being a refund component, an execution process corresponding to the refund component is called to verify the refund information, and in response to the verification being passed, a refund operation corresponding to the transaction instruction is executed.

[0077] The refund component is the component that needs to be called by the refund instruction to perform the refund operation.

[0078] Specifically, calling an execution process to execute a transaction instruction includes: in response to the execution component being a verification component, obtaining payment information corresponding to the transaction instruction, calling the execution process corresponding to the verification component to verify a preset abnormal account list and a preset normal account list in sequence based on the payment information; in response to the verification result being that the payment information is in the preset abnormal account list, refusing to execute the transaction instruction, and in response to the verification result being that the payment information is in the preset normal account list, executing the transaction instruction.

[0079] The verification component is a component that needs to be called by the payment instruction, and is used to perform verification operations on the preset abnormal account list and the preset normal account list.

[0080] For example, after receiving a transaction instruction each time, the regulatory wallet in the embodiment of the present application first distinguishes whether the instruction is a refund instruction or a payment instruction. If it is a refund instruction, the refund component is directly called, and after verifying the information according to the component rules, the refund operation is executed. If it is a payment instruction, the verification component is called to verify the preset abnormal account list and the preset normal account list in sequence. If the payment information is in the preset abnormal account list, the execution is directly rejected without further verification of the preset normal account list; if the payment information is in the preset normal account list, the payment is executed.

[0081] This embodiment receives a transaction instruction, determines the corresponding instruction type and user identification; determines the transaction account type according to the user identification, determines the corresponding execution component according to the instruction type and the transaction account type, locks the execution process corresponding to the execution component; calls the execution process to execute the transaction instruction, obtains the corresponding transaction result data and outputs it. Thus, by implementing customized fund supervision according to the transaction account type and instruction type, the relevant transaction business can be handled flexibly and efficiently.

[0082] Figure 2is a main flow chart of a business processing method according to an embodiment of the present application, such as Figure 2 As shown, the business processing method includes:

[0083] Step S201, receiving a transaction instruction, and determining the corresponding instruction type and user identification.

[0084] Step S202, determining the transaction account type according to the user identifier.

[0085] Step S203, in response to the instruction type being a refund instruction, determining a corresponding trading account list according to the trading account type, and then determining a target trading account according to the refund instruction and the trading account list.

[0086] The transaction account type, for example, may include the central bank accounting data center system account (i.e., ACS account) and the merchant's digital currency account. The embodiment of the present application does not specifically limit the transaction account type. Specifically, according to the transaction account type, for example, when the transaction account type is an ACS account, the corresponding transaction account list L can be obtained, and the refund account identifier can be included in the refund instruction. The execution entity can match the refund account identifier with the obtained transaction account list L to determine whether there is a corresponding transaction account in the transaction account list L that meets the refund account identifier (here "meets" can be whether there is a transaction account in the transaction account list L The identification is the same as the payment account identification). If so, the matching transaction account is determined as the target transaction account.

[0087] Step S204, determining a corresponding refund component according to the refund instruction and the target transaction account, and determining the refund component as a corresponding execution component.

[0088] The central bank accounting data center system account (i.e., ACS account) and the merchant's digital currency account can use different types of refund components to make the refund effect better and more convenient and quicker. According to the target transaction account, the ACS account or the merchant's digital currency account, the component list K for continuing the refund process can be determined. The refund instruction can determine the specific refund amount, refund deadline and other information, and then determine the free components in the component list K within the refund deadline as the refund component according to the refund amount and refund deadline, and then determine the refund component as the execution component for subsequent refund processing.

[0089] Step S205: lock the execution process corresponding to the execution component.

[0090] By locking the execution process corresponding to the execution component to prevent other tasks from occupying the process, transaction delays can be avoided and transaction rates can be increased.

[0091] Step S206, calling the execution process to execute the transaction instruction, obtaining the corresponding transaction result data and outputting it.

[0092] The execution process corresponding to the locked execution component is called and executed to execute the transaction instruction, obtain the corresponding transaction result data and output it in a user-preset manner. Specifically, the user-preset manner may be through email, SMS or instant software message, etc., and the embodiment of the present application does not specifically limit the preset manner. This enables flexible and efficient processing of related transaction businesses.

[0093] Figure 3 It is a schematic diagram of the wallet payment process of the business processing method according to an embodiment of the present application. In the embodiment of the present application, the digital currency wallet: provided by the People's Bank of China, operated by the operating institution, based on the account system, supports the loose coupling function of the account, provides a currency that is completely equivalent to paper money and coins, and has value characteristics and legal tender. Controlled anonymous payment tools. Fund supervision: refers to the function of not misappropriating digital RMB collection funds from the Internet platform and making targeted payments through regulatory tools or control processes to meet the needs of non-self-operated merchants of Internet platform enterprises to use digital RMB to collect payments. Regulatory wallet: refers to a public wallet with regulatory functions. It is opened and operated by the regulated party and managed by the regulator. In the embodiment of the present application, the regulated wallet has a special identification that is different from an ordinary wallet, and is restricted in one or some aspects such as binding settlement accounts, transfers, and fund collection. Preset abnormal account list, preset normal account list setting: preset abnormal account list, preset normal account list refers to the actual payment matching control of a specific counterparty by setting the wallet number (or account) of the payee and payee, wallet name (or account name), limit and other information of the regulatory wallet in advance. Amount control: Based on the needs of regulatory business, for some (or all) of the counterparties included in the preset normal account list, reasonable single or cumulative transaction limits can be set according to the provisions of the actual transaction contract / agreement.

[0094] The business processing method of the embodiment of the present application can be applied to the scenario of implementing customized fund supervision in the docking scenario of smart contracts and fund management products. Figure 3As shown, the execution entity (for example, a regulatory wallet refers to a public wallet with regulatory functions. It is opened and operated by the regulated party and managed by the regulator. Usually, the regulated wallet has a special identification that is different from ordinary wallets, and is restricted in one or some aspects such as binding settlement accounts, transfers, and fund collection) receives the payment instruction, determines whether the payment instruction is a refund instruction, and if so, calls the merchant's refund component to perform the refund operation. Otherwise, it determines whether the collection information is included in the preset abnormal account list. If it is included in the preset abnormal account list, the payment instruction is refused to be executed. If it is not included in the preset abnormal account list, it continues to determine whether the collection information is included in the preset normal account list. If the collection information is included in the preset normal account list, the payment instruction is executed; if the collection information is not included in the preset normal account list, the payment instruction is refused to be executed.

[0095] Figure 4 1 is a schematic diagram of a wallet payment process according to a business processing method of an embodiment of the present application. Figure 4 As shown in the figure, 1. The user pays the regulatory wallet; 2. When the transaction account type is an ACS account, the regulatory wallet deposits the non-direct split funds into the ACS account; 3.1 ACS account split: The ACS account splits the non-self-operated merchants who use account collection; 3.2 The regulatory wallet directly splits the non-self-operated merchants who receive digital currency payments; 4. If there is an order refund, the regulatory wallet directly refunds the corresponding user. This ensures that the digital RMB collection funds are not misappropriated by the Internet platform and realizes targeted payments.

[0096] The embodiments of the present application can realize customized fund supervision in the docking scenario of smart contracts and fund management products. Fund supervision can be divided into transaction scenarios and counterparties. Through a new controlled payment system, control of designated supervision wallets can be achieved, solving the problem of frequent reading and writing of the database and improving performance. The supervision system of the embodiments of the present application does not affect the normal transactions of merchants, and improves transaction performance while ensuring fund supervision.

[0097] Figure 5 Schematic diagram of the main units of the service processing device according to an embodiment of the present application. Figure 5 As shown, the service processing device 500 includes a receiving unit 501 , an execution component determining unit 502 and an execution unit 503 .

[0098] The receiving unit 501 is configured to receive a transaction instruction and determine a corresponding instruction type and a user identifier.

[0099] The execution component determination unit 502 is configured to determine the transaction account type according to the user identifier, determine the corresponding execution component according to the instruction type and the transaction account type, and lock the execution process corresponding to the execution component.

[0100] The execution unit 503 is configured to call the execution process to execute the transaction instruction, obtain the corresponding transaction result data and output it.

[0101] In some embodiments, the execution component determination unit 502 is further configured to: in response to the instruction type being a refund instruction, determine the corresponding transaction account list according to the transaction account type, and then determine the target transaction account according to the refund instruction and the transaction account list; determine the corresponding refund component according to the refund instruction and the target transaction account, and determine the refund component as the corresponding execution component.

[0102] In some embodiments, the execution component determination unit 502 is further configured to: in response to the instruction type being a payment instruction, determine the corresponding preset abnormal account list and preset normal account list based on the transaction account type; and determine the verification components corresponding to the preset abnormal account list and the preset normal account list as corresponding execution components.

[0103] In some embodiments, the execution unit 503 is further configured to: in response to the execution component being a refund component, call the execution process corresponding to the refund component to verify the refund information, and in response to the verification being passed, execute the refund operation corresponding to the transaction instruction.

[0104] In some embodiments, the execution unit 503 is further configured to: in response to the execution component being a verification component, obtain the payment information corresponding to the transaction instruction, call the execution process corresponding to the verification component to verify the preset abnormal account list and the preset normal account list in sequence based on the payment information; in response to the verification result being that the payment information is in the preset abnormal account list, refuse to execute the transaction instruction; in response to the verification result being that the payment information is in the preset normal account list, execute the transaction instruction.

[0105] In some embodiments, the service processing device further includes Figure 5 The information change unit not shown in the figure is configured to: in response to an information change request, obtain the corresponding preset abnormal account list identifier and the corresponding preset normal account list identifier and change direction information; based on the change direction information, perform an information change operation between the preset abnormal account list corresponding to the preset abnormal account list identifier and the preset normal account list corresponding to the preset normal account list identifier.

[0106] In some embodiments, the service processing device further includes Figure 5 The audit verification unit not shown in the figure is configured to: execute the audit verification process based on the preset abnormal account list identifier, the preset normal account list identifier and the change direction information.

[0107] It should be noted that the business processing method and the business processing device of the present application have a corresponding relationship in terms of specific implementation content, so the repeated content will not be described again.

[0108] Figure 6 An exemplary system architecture 600 to which the service processing method or service processing device according to the embodiment of the present application can be applied is shown.

[0109] like Figure 6 As shown, system architecture 600 may include terminal devices 601, 602, 603, network 604 and server 605. Network 604 is used to provide a medium for communication links between terminal devices 601, 602, 603 and server 605. Network 604 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0110] The user can use the terminal devices 601, 602, 603 to interact with the server 605 through the network 604 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 601, 602, 603, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only for example).

[0111] The terminal devices 601, 602, and 603 may be various electronic devices having a service processing screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0112] Server 605 may be a server that provides various services, such as a background management server that provides support for transaction instructions received by users using terminal devices 601, 602, and 603 (only as an example). The background management server may receive transaction instructions, determine the corresponding instruction type and user identification; determine the transaction account type according to the user identification, determine the corresponding execution component according to the instruction type and the transaction account type, and lock the execution process corresponding to the execution component; call the execution process to execute the transaction instruction, obtain the corresponding transaction result data and output it. Thus, by implementing customized fund supervision according to the transaction account type and instruction type, the relevant transaction business can be handled flexibly and efficiently.

[0113] It should be noted that the business processing method provided in the embodiment of the present application is generally executed by the server 605 , and accordingly, the business processing device is generally set in the server 605 .

[0114] It should be understood that Figure 6 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0115] Reference below Figure 7 , which shows a schematic diagram of the structure of a computer system 700 of a terminal device suitable for implementing an embodiment of the present application. Figure 7The terminal device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0116] like Figure 7 As shown, the computer system 700 includes a central processing unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage part 708 to a random access memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the computer system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other through a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0117] The following components are connected to the I / O interface 705: an input section 706 including a keyboard, a mouse, etc.; an output section 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, a modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 710 as needed so that a computer program read therefrom is installed into the storage section 708 as needed.

[0118] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 709, and / or installed from the removable medium 711. When the computer program is executed by the central processing unit (CPU) 701, the above-mentioned functions defined in the system of the present application are executed.

[0119] It should be noted that the computer-readable medium shown in the present application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. Computer-readable storage media may include, for example, but are not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present application, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0120] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the above-mentioned module, program segment or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0121] The units involved in the embodiments described in the present application may be implemented by software or hardware. The units described may also be set in a processor, for example, it may be described as: a processor includes a receiving unit, an execution component determination unit, and an execution unit. The names of these units do not constitute limitations on the units themselves in some cases.

[0122] As another aspect, the present application also provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device receives a transaction instruction, determines the corresponding instruction type and user identification; determines the transaction account type according to the user identification, determines the corresponding execution component according to the instruction type and the transaction account type, and locks the execution process corresponding to the execution component; calls the execution process to execute the transaction instruction, obtains the corresponding transaction result data and outputs it.

[0123] The computer program product of the present application includes a computer program, and when the computer program is executed by a processor, the business processing method in the embodiment of the present application is implemented.

[0124] According to the technical solution of the embodiment of the present application, customized funds supervision is implemented according to the transaction account type and instruction type, so that related transaction business can be handled flexibly and efficiently.

[0125] The above specific implementations do not constitute a limitation on the protection scope of this application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of this application should be included in the protection scope of this application.

Claims

1. A business processing method, characterized in that: include: Receive transaction instructions and determine the corresponding instruction type and user ID; Determine the trading account type according to the user identifier, determine the corresponding execution component according to the instruction type and the trading account type, and lock the execution process corresponding to the execution component; The execution process is called to execute the transaction instruction, and the corresponding transaction result data is obtained and output.

2. The method according to claim 1, characterized in that The determining of the corresponding execution component includes: In response to the instruction type being a refund instruction, determining a corresponding trading account list according to the trading account type, and then determining a target trading account according to the refund instruction and the trading account list; According to the refund instruction and the target transaction account, a corresponding refund component is determined, and the refund component is determined as a corresponding execution component.

3. The method according to claim 1, characterized in that The determining of the corresponding execution component includes: In response to the instruction type being a payment instruction, determining a corresponding preset abnormal account list and a preset normal account list based on the transaction account type; The verification components corresponding to the preset abnormal account list and the preset normal account list are determined as corresponding execution components.

4. The method according to claim 1, characterized in that: The calling of the execution process to execute the transaction instruction comprises: In response to the execution component being a refund component, calling an execution process corresponding to the refund component to verify refund information, and in response to the verification being passed, executing a refund operation corresponding to the transaction instruction.

5. The method according to claim 1, characterized in that The calling of the execution process to execute the transaction instruction comprises: In response to the execution component being a verification component, obtaining payment information corresponding to the transaction instruction, and calling an execution process corresponding to the verification component to sequentially verify the preset abnormal account list and the preset normal account list based on the payment information; In response to the verification result that the payment information is in the preset abnormal account list, the transaction instruction is refused to be executed; in response to the verification result that the payment information is in the preset normal account list, the transaction instruction is executed.

6. The method according to claim 3, characterized in that The method further comprises: In response to the information change request, obtaining a corresponding preset abnormal account list identifier and a corresponding preset normal account list identifier and change direction information; Based on the change direction information, an information change operation is performed between the preset abnormal account list corresponding to the preset abnormal account list identifier and the preset normal account list corresponding to the preset normal account list identifier.

7. The method according to claim 6, characterized in that Before performing the information change operation between the preset abnormal account list corresponding to the preset abnormal account list identifier and the preset normal account list corresponding to the preset normal account list identifier based on the change direction information, the method further includes: An audit verification process is performed based on the preset abnormal account list identifier, the preset normal account list identifier and the change direction information.

8. A service processing device, characterized in that: include: A receiving unit, configured to receive a transaction instruction and determine a corresponding instruction type and a user identifier; an execution component determination unit, configured to determine the transaction account type according to the user identifier, determine the corresponding execution component according to the instruction type and the transaction account type, and lock the execution process corresponding to the execution component; The execution unit is configured to call the execution process to execute the transaction instruction, obtain corresponding transaction result data and output it.

9. The device according to claim 8, characterized in that The execution component determination unit is further configured to: In response to the instruction type being a refund instruction, determining a corresponding trading account list according to the trading account type, and then determining a target trading account according to the refund instruction and the trading account list; According to the refund instruction and the target transaction account, a corresponding refund component is determined, and the refund component is determined as a corresponding execution component.

10. The device according to claim 8, characterized in that The execution component determination unit is further configured to: In response to the instruction type being a payment instruction, determining a corresponding preset abnormal account list and a preset normal account list based on the transaction account type; The verification components corresponding to the preset abnormal account list and the preset normal account list are determined as corresponding execution components.

11. The device according to claim 8, characterized in that The execution unit is further configured to: In response to the execution component being a refund component, calling an execution process corresponding to the refund component to verify refund information, and in response to the verification being passed, executing a refund operation corresponding to the transaction instruction.

12. The device according to claim 8, characterized in that The execution unit is further configured to: In response to the execution component being a verification component, obtaining payment information corresponding to the transaction instruction, and calling an execution process corresponding to the verification component to sequentially verify the preset abnormal account list and the preset normal account list based on the payment information; In response to the verification result that the payment information is in the preset abnormal account list, the transaction instruction is refused to be executed; in response to the verification result that the payment information is in the preset normal account list, the transaction instruction is executed.

13. The device according to claim 10, characterized in that The device also includes an information changing unit configured to: In response to the information change request, obtaining a corresponding preset abnormal account list identifier and a corresponding preset normal account list identifier and change direction information; Based on the change direction information, an information change operation is performed between the preset abnormal account list corresponding to the preset abnormal account list identifier and the preset normal account list corresponding to the preset normal account list identifier.

14. A business processing electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 7.

15. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

16. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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