Transaction data processing method and device, equipment, storage medium and product

Abstract

The invention discloses a transaction data processing method and device, equipment, a storage medium and a product, and relates to the technical field of data processing, and the transaction data processing method comprises the steps: obtaining a plurality of transaction information records of a customer, and extracting the in-transit fund, account balance and customer position data of each transaction in the transaction information records; storing the in-transit funds, the account balance and the customer position data in a preset database; when it is detected that the account balance changes, the in-transit funds and the client position data in a preset database are updated in real time, and the in-transit funds and the client position data are stored in the preset database at the updating time of each time of updating. According to the invention, the in-transit funds corresponding to the transaction records can be displayed in real time.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a transaction data processing method, device, equipment, storage medium and computer program product. Background Art

[0002] When a customer purchases a trust product, the agency system has already deducted the customer's account balance, but the trust institution has not yet confirmed the share to the agency system. However, this part of the customer's account balance has been deducted, but the customer's holdings that have not yet been received need to be accurately displayed in the customer's total assets in real time.

[0003] Among the current processing methods, most of them store the funds in transit in a transit account to facilitate real-time query of the status of funds in transit. However, this processing method requires opening multiple transit accounts when the customer has multiple funds in transit for continuous transactions. It is impossible to display the funds in transit of each transaction in real time, and it is impossible to trace the detailed list of historical funds in transit.

[0004] Therefore, how to display the funds in transit for each transaction in real time is a problem that needs to be solved urgently.

[0005] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0006] The main purpose of the present application is to provide a transaction data processing method, device, equipment, storage medium and computer program product, aiming to solve the technical problems in the related technology that the funds in transit are stored in a transit account to facilitate real-time query of the funds in transit status, the funds in transit of each transaction cannot be displayed in real time, and the historical detailed list of funds in transit cannot be traced.

[0007] To achieve the above objectives, the present application proposes a transaction data processing method, which includes:

[0008] Obtain multiple transaction information records of the customer, and extract the funds in transit, account balance and customer position data of each transaction in the transaction information records;

[0009] Storing the funds in transit, account balances and customer position data in a preset database;

[0010] When a change in the account balance is detected, the funds in transit and the customer position data in the preset database are updated in real time, wherein the update time of the funds in transit and the customer position data at each update is saved in the preset database.

[0011] In one embodiment, when the account balance change is detected, the step of updating the funds in transit and the customer position data in a preset database in real time includes:

[0012] When a change in the account balance is detected, determining an increase or decrease status of the account balance;

[0013] If it is determined that the account balance is increasing, the funds in transit and the customer's position data are cumulatively reduced;

[0014] If it is determined that the account balance is in a decreasing state, the funds in transit and the customer position data are accumulated.

[0015] In one embodiment, if it is determined that the account balance is in an increasing state, the step of performing cumulative reduction processing on the funds in transit and the customer position data includes:

[0016] If it is determined that the account balance is in an increasing state, determining the increase or decrease state of the customer position data;

[0017] If the customer's position data deducts the same increase as the account balance, the funds in transit will not be processed;

[0018] If the number of the customer's position data remains unchanged, then the increase in the funds in transit equal to the account balance will be deducted.

[0019] In one embodiment, before the step of updating the funds in transit and the customer position data in the preset database in real time when the account balance change is detected, the step further includes:

[0020] Receive transaction requests from customers;

[0021] Query multiple sub-accounts under the account corresponding to the account balance;

[0022] Sending the transaction request to the transaction node corresponding to each sub-account, deducting the funds from each sub-account through the transaction node, and generating the first in-transit funds under the multiple transactions;

[0023] The customer position data is updated based on the first funds in transit and the account balance.

[0024] In one embodiment, the step of updating the funds in transit and the customer position data in a preset database in real time when a change in the account balance is detected further includes:

[0025] When a change in the account balance involved in multiple transactions is detected, query multiple sub-accounts under the account corresponding to the account balance;

[0026] Extracting the transaction date from the transaction records of each of the sub-accounts;

[0027] According to the transaction date, the funds in transit and the customer position data corresponding to each transaction record are updated in real time in the preset database.

[0028] In one embodiment, the step of updating the funds in transit and the customer position data in real time in a preset database according to the transaction date includes:

[0029] According to the transaction date, convert the funds in transit and the customer position data into natural day historical snapshot data;

[0030] The natural day historical snapshot data is stored in a preset database.

[0031] In addition, to achieve the above-mentioned purpose, the present application also proposes a transaction data processing device, the transaction data processing device comprising:

[0032] An acquisition module is used to acquire multiple transaction information records of a customer and extract the funds in transit, account balance and customer position data of each transaction in the transaction information records;

[0033] A storage module, used to store the funds in transit, account balances and customer position data in a preset database;

[0034] An updating module is used to update the funds in transit and the customer position data in a preset database in real time when a change in the account balance is detected, wherein the update time of the funds in transit and the customer position data at each update is saved in the preset database.

[0035] In addition, to achieve the above-mentioned purpose, the present application also proposes a transaction data processing device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the transaction data processing method described above.

[0036] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the transaction data processing method described above are implemented.

[0037] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the transaction data processing method described above are implemented.

[0038] The present application proposes a transaction data processing method, device, equipment, storage medium and computer program product. The present application obtains multiple transaction information records of a customer and extracts the funds in transit, account balance and customer position data of each transaction in the transaction information records. The three together constitute the customer's total asset data, and the funds in transit, account balance and customer position data are stored in a preset database. When a change in the account balance is detected, the funds in transit and customer position data in the preset database are updated accordingly. Compared with the situation of calculating the funds in transit by querying historical transaction records, the funds in transit can be updated in real time, reducing the time required for querying historical transaction data. The update time of the funds in transit and customer position data at each update is saved in the preset database, and the details of the changes in the funds in transit can be traced. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0040] 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, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0041] Figure 1 A flowchart of the first embodiment of the transaction data processing method of the present application is provided;

[0042] Figure 2 A flowchart of the second embodiment of the transaction data processing method of the present application is provided;

[0043] Figure 3 This is a schematic diagram of the overall process involved in the transaction data processing method of this application;

[0044] Figure 4 A schematic diagram of the flow of single transaction data involved in the transaction data processing method of this application;

[0045] Figure 5 A schematic diagram of the flow of multiple transaction data involved in the transaction data processing method of this application;

[0046] Figure 6 A schematic diagram of the flow of funds in transit for multiple transaction histories involved in the transaction data processing method of this application;

[0047] Figure 7 A schematic diagram of a historical snapshot of funds in transit involved in the transaction data processing method of this application;

[0048] Figure 8This is a schematic diagram of the module structure of the transaction data processing device according to an embodiment of the present application;

[0049] Fig. 9 Schematic diagram of the device structure of the hardware operating environment involved in the transaction data processing method in the embodiment of the present application.

[0050] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0051] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0052] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0053] The main solutions of the embodiments of this application are:

[0054] Obtain multiple transaction information records of the customer, and extract the funds in transit, account balance and customer position data of each transaction in the transaction information records;

[0055] Storing the funds in transit, account balances and customer position data in a preset database;

[0056] When a change in the account balance is detected, the funds in transit and the customer position data in the preset database are updated in real time, wherein the update time of the funds in transit and the customer position data at each update is saved in the preset database.

[0057] In the prior art, most of the funds in transit are stored in a transit account for real-time query of the status of funds in transit. However, this processing method requires opening multiple transit accounts when a customer has multiple funds in transit for continuous transactions. It is impossible to display the funds in transit of each transaction in real time, and it is impossible to trace the detailed list of historical funds in transit.

[0058] The present application proposes a transaction data processing method, device, equipment, storage medium and computer program product. The present application obtains multiple transaction information records of a customer and extracts the funds in transit, account balance and customer position data of each transaction in the transaction information records. The three together constitute the customer's total asset data, and the funds in transit, account balance and customer position data are stored in a preset database. When a change in the account balance is detected, the funds in transit and customer position data in the preset database are updated accordingly. Compared with the situation of calculating the funds in transit by querying historical transaction records, the funds in transit can be updated in real time, reducing the time required for querying historical transaction data. The update time of the funds in transit and customer position data at each update is saved in the preset database, and the details of the changes in the funds in transit can be traced.

[0059] It should be noted that the execution subject of this embodiment may be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a transaction data processing device, etc. The following takes the transaction data processing device as an example to illustrate this embodiment and the following embodiments.

[0060] Based on this, the present application embodiment provides a transaction data processing method, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the transaction data processing device method of the present application.

[0061] In this embodiment, the transaction data processing device method includes steps S10 to S30:

[0062] Step S10, obtaining multiple transaction information records of the customer, and extracting the funds in transit, account balance and customer position data of each transaction in the transaction information records;

[0063] It should be noted that transaction information records may be transaction records of customers purchasing trust properties, fund products or other investment products. These transaction records usually involve changes in amount. The account balance is the account balance of the user's client. Funds in transit are funds transferred during the end-to-end payment process. For example, A pays B 100 yuan to purchase a product. The amount involved in the flow of money from A to B is funds in transit. Funds in transit do not belong to any institution when they have not been transferred to other accounts, but can be used to record the amount spent by customers on purchasing products.

[0064] It should be noted that the customer's position data refers to the position shares obtained by the customer when purchasing trust products.

[0065] It should be noted that in the existing processing method, due to the delayed flow of funds when customers purchase trust products, customers are confused about the total assets they inquire about in a certain period of time, and asset calculations are inaccurate and large errors often occur. Therefore, it is necessary to display the amount of their assets to customers in real time to avoid omissions during the transaction process.

[0066] Step S20, storing the funds in transit, account balances and customer position data in a preset database;

[0067] It should be noted that the preset database can be a database stored in the background server. The main reason for inaccurate statistics on customer assets is that it is impossible to retrieve the funds in transit generated during the transaction process in real time. By storing the funds in transit, account balances and customer position data in the database, and then corresponding the transaction date of each transaction to the transaction data, the customer assets can be directly viewed when the data needs to be called, avoiding inaccurate statistics on funds in transit or the situation where the statistics of funds in transit, account balances and customer position data do not match.

[0068] Step S30, when the account balance change is detected, the funds in transit and the customer position data in the preset database are updated in real time, wherein the update time of the funds in transit and the customer position data at each update is saved in the preset database.

[0069] It should be noted that there are two types of changes in account balances, one is an increase and the other is a decrease. The decrease corresponds to the customer purchasing an agency-sold trust product. The agency system has deducted the customer's account balance, but the trust institution has not yet confirmed the share to the agency system. This part of the customer's account balance has been deducted, but the customer's holdings have not yet been received. The in-transit shares need to be accurately displayed in the customer's total assets in real time.

[0070] The increase in account balance corresponds to the customer's redemption of the agency-sold trust product. The agency sales system has deducted the customer's position share, but the customer's funds have not yet been transferred to the customer's account. This part of the funds in transit needs to be accurately displayed in the customer's total assets in real time.

[0071] It should be noted that when the account balance changes, the funds in transit can be calculated based on the changes in the account balance and the changes in the customer's position data. For example, when a customer purchases a trust product, the account balance decreases by 100, and the customer's position data should increase by 100. At this time, if the account balance changes but the customer's position data does not increase, the funds in transit are 100.

[0072] It should be noted that when a customer purchases or redeems a trust product, multiple transactions will be involved, each of which has a corresponding transaction date. For each transaction, as long as a transaction occurs, the amount will change, and the funds in transit and customer position data will need to be updated. The update time of each time will be stored in the preset database to facilitate the subsequent tracing of the funds in transit generated by each transaction.

[0073] In a feasible implementation manner, before the step S30 of updating the funds in transit and the customer position data in the preset database in real time when the account balance change is detected, the step further includes:

[0074] Receive transaction requests from customers;

[0075] Query multiple sub-accounts under the account corresponding to the account balance;

[0076] It should be noted that when a customer redeems or purchases a trust product, a corresponding transaction request will be initiated. Each account corresponding to the account balance will have multiple sub-accounts under it, and different transactions are completed through these sub-accounts. The steps for a single purchase or redemption transaction are as follows:

[0077] 1. When the purchaser deducts funds from the customer's purchase account, the accumulated funds in transit are recorded.

[0078] 2. When the purchase confirmation shares are credited to the customer's account, the accumulated reduction of funds in transit is recorded.

[0079] 3. Record the accumulated funds in transit when the customer redeems and confirms the share deduction.

[0080] 4. When the redemption funds are transferred to the customer account, the funds in transit will be deducted.

[0081] Specifically, the flow chart of a single purchase or redemption transaction is as follows: Figure 4 As shown by Figure 4 It can be obtained that the final confirmation of a single purchase transaction is that the in-transit funds are cleared to zero. Before the customer purchases the account funds, the total assets displayed include the real-time account balance + zero in-transit funds + zero position amount.

[0082] During the period from the time when the customer's account funds are deducted to the time when the purchase confirmation shares are credited to the customer's account, the customer's total assets display includes the real-time account balance + funds in transit, which are the actual funds in transit + the position amount is zero.

[0083] After the purchase confirmation is received into the customer's account, the customer's total assets will be displayed including the real-time account balance + zero funds in transit + the actual holding amount. The total assets will not change during the entire purchase process;

[0084] When the final funds of a single transaction arrive at the customer's account, the funds in transit are cleared to zero. Before the customer redeems and confirms the deduction of the share, the customer's total assets display includes the real-time account balance + zero funds in transit + real-time position amount.

[0085] During the period from the time when the customer confirms the deduction of shares upon redemption to the time when the redemption funds are transferred to the customer's account, the customer's total assets displayed include the account's real-time balance + funds in transit, which are the actual funds in transit + the position amount, which is the position amount after deducting the redemption. After the redemption funds are transferred to the customer's account, the customer's total assets displayed include the account's real-time balance + funds in transit, which are zero + the position amount, which is the actual position amount. The total assets will not change during the entire redemption process.

[0086] Sending the transaction request to the transaction node corresponding to each sub-account, deducting the funds from each sub-account through the transaction node, and generating the first in-transit funds under the multiple transactions;

[0087] It should be noted that for each transaction, the transaction will be completed at the transaction node. After the transaction is completed, the customer's various sub-accounts will be deducted. Each sub-account has corresponding funds in transit, that is, the first funds in transit.

[0088] The customer position data is updated based on the first funds in transit and the account balance.

[0089] It should be noted that the customer position data is updated through the first in-transit funds and account balance of each transaction. For example, for transaction A, the account balance decreases by 100 and the in-transit funds are 50, then the customer position data increases by 50 until the customer position data corresponds to the changes in the account balance.

[0090] In a feasible implementation manner, the step S30 of updating the funds in transit and the customer position data in a preset database in real time when the account balance change is detected includes:

[0091] When a change in the account balance is detected, determining an increase or decrease status of the account balance;

[0092] It should be noted that when the account balance changes, it is necessary to determine whether the account balance is increasing or decreasing, so as to determine whether the funds in transit are increasing or decreasing.

[0093] If it is determined that the account balance is increasing, the funds in transit and the customer's position data are cumulatively reduced;

[0094] It should be noted that when the account balance is increasing, one or both of the funds in transit and customer positions data will be cumulatively reduced. If the total assets remain unchanged, the account balance will increase and the other two items will definitely decrease.

[0095] In a feasible implementation manner, if it is determined that the account balance is in an increasing state, the step of performing a cumulative reduction process on the funds in transit and the customer position data includes:

[0096] If it is determined that the account balance is in an increasing state, determining the increase or decrease state of the customer position data;

[0097] It should be noted that when the account balance is increasing, it is determined whether the funds in transit need to be processed based on the increase or decrease in the customer's position data.

[0098] If the customer's position data deducts the same increase as the account balance, the funds in transit will not be processed;

[0099] It should be noted that when the customer's position data is deducted by the same increase as the account balance, it means that there is no funds in transit for this transaction, and there is no need to accumulate or subtract the funds in transit.

[0100] If the number of the customer's position data remains unchanged, then the increase in the funds in transit equal to the account balance will be deducted.

[0101] It should be noted that when the number of customer position data remains unchanged, it means that the funds in the account balance have arrived at the sales agency. At this time, the funds in transit increase, and the same increase share as the account balance can be accumulated to the funds in transit.

[0102] If it is determined that the account balance is in a decreasing state, the funds in transit and the customer position data are accumulated.

[0103] It should be noted that when the account balance is in a decreasing state, one or both of the funds in transit and the customer's position data are accumulated.

[0104] It should be noted that in the case of multiple transactions, such as Figure 5 As shown, there are the following steps:

[0105] 1. A customer may initiate a purchase transaction again when the in-transit funds of the current purchase have not been cleared and the purchase share has not been received. This purchase transaction will generate in-transit funds again and add them to the current in-transit funds, and the in-transit funds will be recorded.

[0106] 2. A customer who initiates a purchase transaction may initiate a redemption transaction again when the in-transit funds of the purchase have not been cleared and the redemption funds have not been received. This redemption transaction will generate in-transit funds again and add them to the current in-transit funds, and will also record the occurrence of in-transit funds.

[0107] 3. When a customer initiates a purchase or redemption transaction, the funds in transit from the previous purchase or redemption transaction may not have been cleared and the redemption amount of the purchased shares may not have been received. In this case, the funds in transit will be added to the current funds in transit and the funds in transit record will be recorded.

[0108] As customers frequently initiate purchase or redemption transactions, the funds in transit continue to accumulate. In this process, the funds in transit that have not been received from the initial purchase or redemption transaction have been received one after another, and the funds in transit will be reduced accordingly.

[0109] Specifically, the flow chart of funds in transit for multiple transaction histories is as follows: Figure 6 As shown by Figure 6 It can be obtained that the customer's unreceived funds or shares in-transit funds are accumulated and the record of in-transit funds will be recorded. When the customer's funds in-transit arrive or the shares in-transit arrive, the funds in-transit are accumulated and subtracted and the record of in-transit funds is recorded. The funds in-transit are accumulated and subtracted according to multiple purchase and redemption transactions. When all transactions are finally completed, the shares and funds in-transit funds are cleared to zero. During the process of multiple purchase and redemption cross transactions, the customer's position amount changes with the change of the accumulation and subtraction of the customer's funds in-transit. The customer's total assets remain unchanged throughout the whole process until all transactions including the purchase and redemption transaction amounts or shares are fully credited to the account, and the customer's total assets show that the funds in transit are zero.

[0110] The present application proposes a transaction data processing method, device, equipment, storage medium and computer program product. The present application obtains multiple transaction information records of a customer and extracts the funds in transit, account balance and customer position data of each transaction in the transaction information records. The three together constitute the customer's total asset data, and the funds in transit, account balance and customer position data are stored in a preset database. When a change in the account balance is detected, the funds in transit and customer position data in the preset database are updated accordingly. Compared with the situation of calculating the funds in transit by querying historical transaction records, the funds in transit can be updated in real time, reducing the time required for querying historical transaction data. The update time of the funds in transit and customer position data at each update is saved in the preset database, and the details of the changes in the funds in transit can be traced.

[0111] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction, and will not be repeated in the following. Figure 2 The step S30 of updating the funds in transit and the customer position data in the preset database in real time when the account balance change is detected also includes:

[0112] Step S31, when a change in the account balance involved in multiple transactions is detected, query multiple sub-accounts under the account corresponding to the account balance;

[0113] It should be noted that when account balance changes for multiple transactions are detected, there are at least two or more sub-account balances that have changed. It is necessary to first query the specific sub-accounts that have changed to determine which transactions have changed.

[0114] Step S32, extracting the transaction date from the transaction record of each sub-account;

[0115] It should be noted that when each transaction occurs, the corresponding transaction date will be recorded, and these transaction dates can be obtained by extracting them from the backend server.

[0116] Step S33, according to the transaction date, the funds in transit and the customer position data corresponding to each transaction record are updated in real time in the preset database.

[0117] It should be noted that, according to the transaction date of each transaction, the funds in transit and the customer position data corresponding to each transaction record are updated in the preset database, and the arrangement method can be in the order of date, such as Figure 6 As shown, the funds in transit for 20240312 are 100, the funds in transit for 20240403 are 400, and so on. This arrangement ensures that the historical update data can be traced and avoids the phenomenon of unclear asset changes.

[0118] In a feasible implementation manner, the step S33 of updating the funds in transit and the customer position data in real time in a preset database according to the transaction date includes:

[0119] According to the transaction date, convert the funds in transit and the customer position data into natural day historical snapshot data;

[0120] The natural day historical snapshot data is stored in a preset database.

[0121] It should be noted that if Figure 7 As shown, in order to meet the needs of customers to query historical total assets, the system uses a daily snapshot method to record the status of funds in transit. Whenever a customer purchases or redeems a product, causing changes in funds in transit, the system will generate a historical snapshot in units of natural days. On the same day, all changes in funds in transit will be summarized in the snapshot of the day. For changes in funds in transit across natural days, the snapshot of the previous day will be archived first, and then accumulated for the new day. When displaying historical total assets, the snapshot of funds in transit for the corresponding date will be obtained, and the total amount of funds in transit at that time will be integrated to ensure that the display of historical assets is both clear and accurate, and fully reflects the customer's capital flow.

[0122] In this embodiment, by obtaining a snapshot of funds in transit on a corresponding date, the total amount of funds in transit at that time is integrated to ensure that the display of historical assets is both clear and accurate and fully reflects the customer's fund flow situation.

[0123] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the transaction data processing method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0124] This application also provides a transaction data processing device, please refer to Figure 8 , the transaction data processing device comprises:

[0125] The acquisition module 10 is used to acquire multiple transaction information records of the customer and extract the funds in transit, account balance and customer position data of each transaction in the transaction information records;

[0126] Storage module 20, used to store the funds in transit, account balances and customer position data in a preset database;

[0127] The updating module 30 is used to update the funds in transit and the customer position data in the preset database in real time when the account balance change is detected, wherein the update time of the funds in transit and the customer position data at each update is saved in the preset database.

[0128] Optionally, the update module includes:

[0129] a determination unit, configured to determine an increase or decrease state of the account balance when a change in the account balance is detected;

[0130] A first processing unit is configured to perform a cumulative reduction process on the funds in transit and the customer position data if it is determined that the account balance is in an increasing state;

[0131] The second processing unit is used to accumulate the funds in transit and the customer position data if it is determined that the account balance is in a decreasing state.

[0132] Optionally, the first processing unit includes:

[0133] a determination subunit, configured to determine the increase or decrease state of the customer position data if it is determined that the account balance is in an increasing state;

[0134] A first processing subunit is configured to not process the funds in transit if the customer position data deducts an increase share that is the same as the account balance;

[0135] The second processing sub-unit is used to deduct an increase in the funds in transit that is equal to the account balance if the number of the customer position data remains unchanged.

[0136] Optionally, the device further comprises:

[0137] A receiving module, used for receiving a transaction request from a customer;

[0138] A query module, used to query multiple sub-accounts under the account corresponding to the account balance;

[0139] A sending module, used for sending the transaction request to the transaction node corresponding to each sub-account, deducting the funds from each sub-account through the transaction node, and generating the first in-transit funds under multiple transactions;

[0140] An update processing module is used to update the customer position data based on the first in-transit funds and the account balance.

[0141] Optionally, the update module further includes:

[0142] A query unit, configured to query multiple sub-accounts under the account corresponding to the account balance when a change in the account balance involved in multiple transactions is detected;

[0143] An extraction unit, used for extracting the transaction date from the transaction record of each of the sub-accounts;

[0144] The updating unit is used to update the funds in transit and the customer position data corresponding to each transaction record in a preset database in real time according to the transaction date.

[0145] Optionally, the updating unit includes:

[0146] A conversion subunit, for converting the funds in transit and the customer position data into natural day historical snapshot data according to the transaction date;

[0147] The storage subunit is used to store the natural day historical snapshot data in a preset database.

[0148] The transaction data processing device provided by the present application adopts the transaction data processing method in the above embodiment, which can solve the technical problem of transaction data processing. Compared with the prior art, the beneficial effects of the transaction data processing device provided by the present application are the same as the beneficial effects of the transaction data processing method provided by the above embodiment, and other technical features in the transaction data processing device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0149] The present application provides a transaction data processing device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the transaction data processing method in the above-mentioned embodiment one.

[0150] Reference below Fig. 9 , which shows a schematic diagram of the structure of a transaction data processing device suitable for implementing the embodiment of the present application. The transaction data processing device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Fig. 9 The transaction data processing 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.

[0151] like Fig. 9As shown, the transaction data processing device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the transaction data processing device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the transaction data processing device to communicate with other devices wirelessly or by wire to exchange data. Although the transaction data processing device with various systems is shown in the figure, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0152] 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 includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0153] The transaction data processing device provided by the present application adopts the transaction data processing method in the above embodiment, which can solve the technical problem of transaction data processing. Compared with the prior art, the beneficial effects of the transaction data processing device provided by the present application are the same as the beneficial effects of the transaction data processing method provided by the above embodiment, and the other technical features in the transaction data processing device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0154] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0155] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0156] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the transaction data processing method in the above-mentioned embodiment.

[0157] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems 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 this embodiment, the 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, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0158] The computer-readable storage medium mentioned above may be included in the transaction data processing device; or may exist independently without being assembled into the transaction data processing device.

[0159] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the transaction data processing device, the transaction data processing device:

[0160] Obtain multiple transaction information records of the customer, and extract the funds in transit, account balance and customer position data of each transaction in the transaction information records;

[0161] Storing the funds in transit, account balances and customer position data in a preset database;

[0162] When a change in the account balance is detected, the funds in transit and the customer position data in the preset database are updated in real time, wherein the update time of the funds in transit and the customer position data at each update is saved in the preset database.

[0163] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0164] 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 square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the 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 square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square 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 square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / 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.

[0165] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0166] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned transaction data processing method, and can solve the technical problems of transaction data processing. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the transaction data processing method provided in the above-mentioned embodiment, and will not be repeated here.

[0167] The present application also provides a computer program product, comprising a computer program, which implements the steps of the transaction data processing method as described above when executed by a processor.

[0168] The computer program product provided by this application can solve the technical problem of transaction data processing. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the transaction data processing method provided by the above embodiment, which will not be repeated here.

[0169] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A transaction data processing method, characterized in that: The method comprises: Obtain multiple transaction information records of the customer, and extract the funds in transit, account balance and customer position data of each transaction in the transaction information records; Storing the funds in transit, account balances and customer position data in a preset database; When a change in the account balance is detected, the funds in transit and the customer position data in the preset database are updated in real time, wherein the update time of the funds in transit and the customer position data at each update is saved in the preset database.

2. The method according to claim 1, characterized in that The step of updating the funds in transit and the customer position data in a preset database in real time when a change in the account balance is detected includes: When a change in the account balance is detected, determining an increase or decrease status of the account balance; If it is determined that the account balance is increasing, the funds in transit and the customer's position data are cumulatively reduced; If it is determined that the account balance is in a decreasing state, the funds in transit and the customer position data are accumulated.

3. The method according to claim 2, characterized in that If it is determined that the account balance is in an increasing state, the step of performing cumulative reduction processing on the funds in transit and the customer position data comprises: If it is determined that the account balance is in an increasing state, determining the increase or decrease state of the customer position data; If the customer's position data deducts the same increase as the account balance, the funds in transit will not be processed; If the number of the customer's position data remains unchanged, then the increase in the funds in transit equal to the account balance will be deducted.

4. The method according to claim 1, characterized in that Before the step of updating the funds in transit and the customer position data in the preset database in real time when the account balance change is detected, the method further includes: Receive transaction requests from customers; Query multiple sub-accounts under the account corresponding to the account balance; Sending the transaction request to the transaction node corresponding to each sub-account, deducting the funds from each sub-account through the transaction node, and generating the first in-transit funds under the multiple transactions; The customer position data is updated based on the first funds in transit and the account balance.

5. The method according to claim 1, characterized in that The step of updating the funds in transit and the customer position data in a preset database in real time when the account balance change is detected also includes: When a change in the account balance involved in multiple transactions is detected, query multiple sub-accounts under the account corresponding to the account balance; Extracting the transaction date from the transaction records of each of the sub-accounts; According to the transaction date, the funds in transit and the customer position data corresponding to each transaction record are updated in real time in the preset database.

6. The method according to claim 5, characterized in that The step of updating the funds in transit and the customer position data in real time in a preset database according to the transaction date includes: According to the transaction date, convert the funds in transit and the customer position data into natural day historical snapshot data; The natural day historical snapshot data is stored in a preset database.

7. A transaction data processing device, characterized in that: The device comprises: An acquisition module is used to acquire multiple transaction information records of a customer and extract the funds in transit, account balance and customer position data of each transaction in the transaction information records; A storage module, used to store the funds in transit, account balances and customer position data in a preset database; An updating module is used to update the funds in transit and the customer position data in a preset database in real time when a change in the account balance is detected, wherein the update time of the funds in transit and the customer position data at each update is saved in the preset database.

8. A transaction data processing device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the transaction data processing method according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the transaction data processing method according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the transaction data processing method according to any one of claims 1 to 6 are implemented.

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