Online transaction early warning processing method and device, equipment and storage medium

Abstract

The invention provides an online transaction early warning processing method and device, equipment and a storage medium. Relates to the technical field of big data processing. The method is applied to an online transaction processing process based on a aspect processing technology, and comprises the steps of judging whether a transaction amount of a current online transaction is greater than a preset threshold value or not before a host corresponding to the current online transaction is called for transfer operation; if it is determined that the transaction amount of the current online transaction is larger than a preset threshold value, the current online transaction is locked, and an early warning detail table of the current online transaction is generated; sending a verification instruction to a target auditor; the verification instruction is used for indicating the target auditor to verify the transaction amount based on the early warning detail table; receiving a verification result fed back by the target auditor; and processing the current online transaction according to the verification result. According to the method provided by the invention, the transaction security of online transactions is improved, and the transaction risk of large-amount fund transactions is reduced.

Description

Technical Field

[0001] The present application relates to the field of big data processing technology, and in particular to an early warning processing method, device, equipment and storage medium for online transactions. Background Art

[0002] Online Transaction refers to commercial transactions conducted through the Internet or other network connections. Online transactions are widely used in e-commerce, financial services, online payments and other fields.

[0003] In online transactions, there will inevitably be scenarios where the transaction amount is large. These transactions involving large amounts of money may have certain risks. In order to improve transaction security, it is necessary to issue early warnings for online transactions involving large amounts of money. However, in the relevant technologies, most online transactions have not yet implemented the large amount early warning function, and since each branch has its own special business, if early warning is to be implemented, it is necessary to redevelop the corresponding online transaction processing code containing the early warning solution for each business system. This solution not only takes a long time to develop, but also requires heavy work for R&D personnel, and the efficiency of implementing the early warning function is too low.

[0004] Therefore, a new early warning processing method for online transactions is urgently needed to solve the above problems. Summary of the invention

[0005] The present application provides an online transaction early warning processing method, device, equipment and storage medium, which are used to solve the problems in the prior art that large-value online transactions are not safe enough, it takes a long time to realize the early warning function of online transactions, and the realization efficiency is low.

[0006] In a first aspect, the present application provides an online transaction early warning processing method, the method is applied to the online transaction processing process based on the aspect processing technology, and the method includes:

[0007] Before calling the host corresponding to the current online transaction to perform a transfer operation, determining whether the transaction amount of the current online transaction is greater than a preset threshold;

[0008] If it is determined that the transaction amount of the current online transaction is greater than the preset threshold, the current online transaction is locked, and a warning detail table of the current online transaction is generated; wherein the warning detail table is used to record the warning detail information of the current online transaction;

[0009] Sending a verification instruction to the target auditor; wherein the verification instruction is used to instruct the target auditor to verify the transaction amount based on the early warning details table;

[0010] Receive verification results fed back by the target auditor;

[0011] The current online transaction is processed according to the verification result.

[0012] In a possible design, according to the verification result, the current online transaction is processed, including:

[0013] If it is determined based on the verification result that the transaction amount of the current online transaction is normal, unlocking the current online transaction and executing the step of calling the host corresponding to the current online transaction to perform a transfer operation;

[0014] If it is determined based on the verification result that the transaction amount of the current online transaction is abnormal, the transaction status of the current online transaction is recorded as failed.

[0015] In a possible design, after unlocking the current online transaction, the method further includes:

[0016] The early warning list of the current online transaction is updated, and the locked state of the current online transaction in the early warning list is changed to an unlocked state.

[0017] In one possible design, the method further includes:

[0018] If it is determined that the transaction amount of the current online transaction is less than or equal to the preset threshold, the step of calling the host corresponding to the current online transaction to perform a transfer operation is executed.

[0019] In one possible design, the method further includes:

[0020] The preset threshold is determined in response to a setting operation of a user based on a threshold setting interface.

[0021] In one possible design, the online transaction processing process includes one or more of the following steps:

[0022] In response to a request message for the current online transaction, the transaction state of the current online transaction is initialized, and the transfer information of the current online transaction is verified. After determining that the transfer information verification passes, the single transaction flow information of the current online transaction is initialized; wherein the single transaction flow information is used to indicate the flow of funds in the current online transaction;

[0023] According to the transaction type of the current online transaction, calling the host corresponding to the current online transaction to perform a transfer operation to obtain a transaction result; wherein the transaction result is used to indicate whether the transfer is successful or failed;

[0024] Based on the transaction result, update the single transaction flow information of the current online transaction;

[0025] Generate transaction voucher information; wherein the transaction voucher information serves as the transaction voucher for the current online transaction;

[0026] Generate and output a response message based on the single transaction flow information and the transaction voucher information.

[0027] In a possible design, according to the transaction type of the current online transaction, calling the host corresponding to the current online transaction to perform a transfer operation includes:

[0028] If it is determined that the current online transaction is a transfer transaction of the bank, then check whether the transaction contract between the bank and the entrusting unit is normal. If normal, obtain the corresponding business parameters for information verification. After the verification passes, call the host corresponding to the bank's transfer transaction to perform the transfer operation;

[0029] If it is determined that the current online transaction is an inter-bank transfer transaction, the transfer information is obtained, and the host corresponding to the inter-bank transfer transaction is called to perform the transfer operation.

[0030] In a second aspect, the present application provides an online transaction early warning processing device, the device is applied to the online transaction processing process based on the aspect processing technology, and the device includes:

[0031] A determination unit, used to determine whether the transaction amount of the current online transaction is greater than a preset threshold before calling the host corresponding to the current online transaction to perform a transfer operation;

[0032] An early warning unit, for locking the current online transaction and generating an early warning detail table of the current online transaction if it is determined that the transaction amount of the current online transaction is greater than a preset threshold; wherein the early warning detail table is used to record early warning detail information of the current online transaction;

[0033] A sending unit, configured to send a verification instruction to a target auditor; wherein the verification instruction is used to instruct the target auditor to verify the transaction amount based on the early warning detail table;

[0034] A receiving unit, used to receive the verification result fed back by the target auditor;

[0035] A processing unit is used to process the current online transaction according to the verification result.

[0036] In a third aspect, the present application provides an electronic device, the electronic device comprising: a processor, and a memory communicatively connected to the processor;

[0037] The memory stores computer-executable instructions;

[0038] The processor executes the computer-executable instructions stored in the memory to implement the aforementioned method.

[0039] In a fourth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are used to implement the method as described above when executed by a processor.

[0040] In a fifth aspect, the present application provides a computer program product, including a computer program, which is used to implement the method as described above when executed by a processor.

[0041] In the online transaction warning processing method, device, equipment and storage medium provided by the present application, the method is applied to the processing process of online transactions based on the aspect processing technology, and the method includes: before calling the host corresponding to the current online transaction to perform a transfer operation, judging whether the transaction amount of the current online transaction is greater than a preset threshold; if it is determined that the transaction amount of the current online transaction is greater than the preset threshold, locking the current online transaction and generating a warning detail table for the current online transaction; wherein the warning detail table is used to record the warning detail information of the current online transaction; sending a verification instruction to the target auditor; wherein the verification instruction is used to instruct the target auditor to verify the transaction amount based on the warning detail table; receiving the verification result fed back by the target auditor; and processing the current online transaction according to the verification result. Since the early warning processing method of the embodiment of the present application is based on the aspect processing technology applied to the processing process of online transactions, there is no need to redesign the original online transaction processing process, which can not only improve the code reuse but also improve the efficiency of agile development; in addition, applying the early warning processing method to online transactions can also ensure that high-risk transactions are fully verified and confirmed, which can significantly improve the security of transactions and reduce the transaction risks of large-scale capital transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] 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.

[0043] Figure 1 A flowchart of an online transaction warning processing method provided by an embodiment of the present application;

[0044] Figure 2 A schematic diagram of an architecture for processing online transactions provided in an embodiment of the present application;

[0045] Figure 3 A schematic diagram of a process for processing online transactions provided in an embodiment of the present application;

[0046] Figure 4 A schematic diagram of another process for processing online transactions provided in an embodiment of the present application;

[0047] Figure 5 A schematic diagram of the structure of an online transaction warning processing device provided in an embodiment of the present application;

[0048] Figure 6 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.

[0049] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0050] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0051] In the technical solution of this application, the collection, storage, use, processing, transmission, provision and disclosure of information such as financial data or user data involved shall comply with the provisions of relevant laws and regulations and shall not violate public order and good morals.

[0052] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0053] In online transactions, there are inevitably transactions with large transaction amounts, which may have certain risks. However, the relevant technology lacks an effective mechanism to automatically identify and process these high-risk transactions, resulting in potential security risks.

[0054] In order to reduce transaction risks and improve transaction security, these online transactions involving large transactions can be processed with early warnings. At the same time, when implementing early warnings, the compatibility and security of the early warning function with the existing system should also be considered. In related technologies, a corresponding set of transaction processing codes containing early warning functions are usually redeveloped. However, the development of new transaction processing codes takes a long time and increases the workload of developers, making the launch cycle of the early warning function longer and the efficiency of the early warning function too low. In addition, it cannot meet the business processing needs of various branches in actual scenarios, which will lead to business loss and affect overall development.

[0055] In response to the above technical problems, the present application proposes the following technical ideas: the present application first abstracts a relatively standard large-amount warning processing method for online transactions. After the transfer operation is carried out and before the transfer operation is executed, it is first determined whether the transaction amount is greater than the preset threshold. If not, the transfer operation is continued to complete the transaction. If so, a warning process is performed, the transaction is locked, and a warning detail table of the transaction is generated to record the warning detail information of the transaction, and the auditor is notified to conduct a manual review. After the manual review is passed, the transaction is unlocked and the transfer operation is continued. If the review fails, the transaction status of the transaction is directly determined to be failed; then the warning method is applied to the processing process of online transactions through the aspect processing technology, and large-amount warnings for online transactions can be realized. The present application can not only improve the code reuse capability, reduce repetitive development, and improve development efficiency, but also realize the warning function.

[0056] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0057] Figure 1 A flowchart of an online transaction warning processing method provided in an embodiment of the present application.

[0058] Among them, the early warning processing method for online transactions provided in the embodiment of the present application is applied to the processing process of online transactions based on aspect processing technology. Among them, aspect processing (Aspect-Oriented Programming, AOP) is a programming paradigm that aims to improve the modularity of software. It enhances the maintainability and reusability of code by separating cross-cutting concerns from core business logic. The embodiment of the present application is based on the application of aspect processing technology, so that the early warning processing method for online transactions can be easily and quickly integrated into the processing process of online transactions, and has good scalability and practicality. Among them, the processing process of online transactions is introduced in the next embodiment.

[0059] The execution subject of the online transaction warning processing method provided in the embodiment of the present application can be an online transaction warning processing device, which can be integrated in the online transaction processing system of the head office, and the system can be located on an electronic device, and the electronic device can be a computer, a computer, a server, etc., which is not limited in the present application. The embodiment of the present application takes the execution subject as the online transaction processing system of the head office (hereinafter referred to as the processing system) as an example for detailed description.

[0060] like Figure 1 As shown, the online transaction warning processing method provided by this embodiment may include:

[0061] S101. Before calling the host corresponding to the current online transaction to perform a transfer operation, determine whether the transaction amount of the current online transaction is greater than a preset threshold.

[0062] For example, in the processing of online transactions, the size of the transaction amount may directly affect the risk level of the transaction. The larger the transaction amount, the higher the risk. In order to improve transaction security and prevent potential transaction risks, early warning processing can be performed based on the size of the transaction amount before performing the actual transfer operation.

[0063] It is understandable that in the process of processing online transactions, the processing system can obtain the transaction amount of the current online transaction, which is usually the amount information provided by the user when submitting the transaction request. In the online transaction warning processing method provided in the embodiment of the present application, before calling the host corresponding to the current online transaction to perform a transfer operation, the processing system can first determine whether the transaction amount of the current online transaction is greater than a preset threshold. If it is greater, warning processing is required, otherwise, no warning processing is required.

[0064] Among them, the preset threshold can be an upper limit of the amount set by the staff according to the security policy and business needs; it can also be determined by the product condition threshold of each contracting unit. When the contracting unit signs a contract with the bank, it can fill in a maximum threshold of a transaction as needed. When the transaction amount exceeds this threshold, the transaction will be considered to have a higher risk and require additional review and confirmation. Optionally, the preset threshold can be a fixed value or a value dynamically adjusted according to factors such as the user's historical transaction behavior and account type. For example, the preset threshold of a user is pre-set to 50,000, but according to the user's historical transaction behavior, it is found that the transaction amount of the online transaction initiated by the user generally does not exceed 30,000. At this time, the preset threshold of the user can be adjusted to 30,000. By dynamically adjusting the value of the preset threshold, the warning function can be more suitable for users and the accuracy of the warning can be improved.

[0065] In a possible embodiment, an interface for setting a preset threshold is also reserved in the processing system, and the method of the embodiment of the present application may also include: determining the preset threshold in response to the setting operation of the user based on the threshold setting interface. The user, such as a bank teller, can set the preset threshold through the threshold setting interface, fill in the maximum transaction threshold filled in when the contracting unit signs the contract with the bank as the preset threshold into the setting window, and complete the setting of the preset threshold; in addition, the threshold value can also be adjusted according to the actual situation to make the early warning processing more accurate.

[0066] By determining whether the transaction amount is greater than a preset threshold before calling the host to perform a transfer operation, high-risk transactions can be effectively identified and processed, thereby improving the security and reliability of transactions.

[0067] S102. If it is determined that the transaction amount of the current online transaction is greater than a preset threshold, the current online transaction is locked and a warning detail table of the current online transaction is generated; wherein the warning detail table is used to record warning detail information of the current online transaction.

[0068] For example, if the processing system identifies that the transaction amount of the current online transaction is greater than the preset threshold, it can be considered that early warning processing is required. At this time, the processing system can lock the current online transaction to temporarily freeze the transfer process of the transaction to prevent the funds from being transferred immediately or the transaction from being completed immediately; and generate an early warning detail table for the current online transaction to record the early warning details related information of the transaction. Among them, the early warning details related information includes but is not limited to the account information of the payment and receipt, the global tracking number, the transaction status, the transaction amount, the transaction time, the transaction method, the accounting date, etc., which is used for further analysis and review by subsequent auditors to determine whether there is abnormal transaction behavior.

[0069] Optionally, the processing system may also save the warning processing process in a corresponding single transaction flow so that the entire transaction process can be known based on the single transaction flow table later.

[0070] Optionally, in the online transaction processing provided in the embodiment of the present application, an asynchronous processing method can be selected, so that when some online transactions are locked due to early warning processing, other transactions can be processed normally, thereby also improving transaction processing efficiency.

[0071] S103. Send a verification instruction to the target auditor; wherein the verification instruction is used to instruct the target auditor to verify the transaction amount based on the early warning details table.

[0072] Exemplarily, after locking the current online transaction, the processing system will also send a verification instruction to the target auditor via email, text message, system internal message or other instant messaging tools to ensure that the target auditor can receive the notification in time and then verify the transaction amount based on the early warning list. Among them, the target auditor can be a professional responsible for transaction security and risk management, who has the authority and ability to review and verify high-risk transactions. In the embodiment of the present application, the target auditor can also be a bank teller, who can confirm with the initiator of the transaction whether the transaction amount is correct based on the early warning list.

[0073] Optionally, the early warning details list can be included in the verification instruction issued by the processing system. After receiving the verification instruction, the target auditor can verify the transaction amount based on the early warning details list in the verification instruction. In addition, the target auditor can also query through the early warning details query function of the processing system, query the global tracking number of the current online transaction to obtain the early warning details list, and then verify it.

[0074] For example, when an external unit such as the social security system needs to issue an amount to a user within the social security system, and when major commercial banks have completed direct interaction with the social security system and social security fund transfer business has achieved full electronic management, the staff of the social security system can initiate an online transaction request to the corresponding branch with which it has signed a contract based on the social security system, and after receiving the transaction request, the branch can connect with the social security business system of the head office, and the processing system of the head office will complete the corresponding transaction processing process. When a large transaction requires early warning processing, the processing system of the head office can send a verification instruction to the teller of the branch, and the teller of the branch can verify with the staff of the social security system whether the transaction amount is different, and feedback the verification result to the processing system through the branch system.

[0075] S104. Receive verification results from target auditors.

[0076] For example, in the embodiment of the present application, an interface or interface for feedback of verification results can be provided in advance for the target auditor. After the target auditor conducts verification, he can select the "audit passed" or "audit failed" control in the feedback page, and can attach the audit opinion to realize feedback of the verification results to the processing system. Accordingly, the processing system can receive the verification results fed back by the target auditor. Among them, the verification result is used to indicate whether the transaction amount of the current online transaction is normal, which usually includes two situations: the transaction amount is normal or the transaction amount is abnormal.

[0077] Optionally, this application does not restrict the form of presentation of the verification results. For example, when the target auditor confirms that the transaction amount is normal, the lock of the current online transaction can be unlocked to allow the transaction to continue; if the auditor finds that the transaction is abnormal or has potential risks, appropriate measures can be taken, such as canceling the transaction, further investigating, notifying relevant departments or users, etc., to improve transaction security.

[0078] It can be understood that manual review is more credible than ordinary machine review, and the transaction security of the warning processing method using manual review in the embodiment of the present application will also be higher.

[0079] S105. Process the current online transaction according to the verification result.

[0080] Exemplarily, after receiving the verification result, the processing system can further automatically process the current online transaction based on the verification result. If the verification result is passed, the processing system can automatically unlock and continue the transfer operation. The processing system will transfer funds from one account to another according to the normal transaction process. If the verification result is failed, the processing system will no longer continue the transaction. At this time, the processing system can cancel the current online transaction and send a notification to the transaction initiator to inform the transaction status, the reason for the transaction failure, etc., which can not only improve transaction transparency and user experience, but also provide data support for subsequent risk management. Users can also re-initiate new online transactions based on this to complete the transaction task.

[0081] In a possible embodiment, processing the current online transaction according to the verification result may include:

[0082] S1. If it is determined based on the verification result that the transaction amount of the current online transaction is normal, the lock of the current online transaction is unlocked, and the step of calling the host corresponding to the current online transaction to perform a transfer operation is executed.

[0083] S2. If it is determined based on the verification result that the transaction amount of the current online transaction is abnormal, the transaction status of the current online transaction is recorded as failed.

[0084] For example, if the processing system determines that the transaction amount of the current online transaction is normal, it can unlock the current online transaction and execute the steps of calling the host corresponding to the current online transaction to perform the transfer operation, continue the transaction, and complete the actual fund transfer process; if it is determined to be abnormal, the transaction status of the current online transaction can be recorded as failed, and the host transfer transaction will not be performed to ensure the safety of funds. This processing mechanism can efficiently process online transactions while ensuring transaction security, which not only reduces transaction risks but also ensures the smooth progress of normal transactions.

[0085] For example, suppose user A initiates a transfer transaction of 20,000 yuan in online banking. The processing system detects that the amount exceeds the preset threshold of 10,000 yuan, thus triggering the early warning mechanism. At this time, the transaction will be locked, and the processing system will generate an early warning detail list for the transaction and send a verification instruction to the target auditor. After receiving the verification instruction, the target auditor will check whether the transaction amount of the transaction is normal. If the auditor feedbacks the verification result as "the transaction amount is normal", the processing system will unlock the transaction and continue to call the host to perform the transfer operation, and finally successfully transfer 20,000 yuan to the target account; if the auditor feedbacks the verification result as "the transaction amount is abnormal", the processing system will record the transaction status of the transaction as "failed" and will not transfer 20,000 yuan to the target account, so as to ensure the safety of funds.

[0086] It can be understood that when it is determined that the transaction amount of the current online transaction is less than or equal to the preset threshold, that is, when it is determined that there is no need to perform an early warning process on the current online transaction, the step of calling the host corresponding to the current online transaction to perform a transfer operation can be directly executed to complete the transaction in a normal process. For example, if the transaction amount of the transfer transaction initiated by user A in the online bank is 5,000 yuan, since the transaction amount is less than the preset threshold of 10,000 yuan, the processing system will not perform an early warning process, and will directly transfer 5,000 yuan to the target account to complete the transaction.

[0087] Optionally, in a possible embodiment, after unlocking the current online transaction, the processing system may also: update the warning details table of the current online transaction, and change the locked state of the current online transaction in the warning details table to the unlocked state. Exemplarily, updating the warning details table of the current online transaction can not only improve the transparency and consistency of the system's transaction processing, but also enhance the efficiency and security of transaction processing, so that the processing system can operate more efficiently and reliably.

[0088] The early warning processing method for online transactions provided in the embodiment of the present application is based on the aspect processing technology applied to the processing process of online transactions. Before calling the host corresponding to the current online transaction to perform the transfer operation, it is judged whether the transaction amount of the current online transaction is greater than the preset threshold; if it is determined that the transaction amount of the current online transaction is greater than the preset threshold, the current online transaction is locked, and an early warning detail list of the current online transaction is generated; a verification instruction is sent to the target auditor; the verification instruction is used to instruct the target auditor to verify the transaction amount based on the early warning detail list; the verification result fed back by the target auditor is received; and the current online transaction is processed according to the verification result. Since the early warning processing method of the embodiment of the present application is based on the aspect processing technology applied to the processing process of online transactions, there is no need to redesign the original online transaction processing process, which can not only improve the code reuse, but also improve the efficiency of agile development; in addition, applying the early warning processing method to online transactions can also ensure that high-risk transactions are fully verified and confirmed, which can significantly improve the security of transactions and reduce the transaction risks of large-amount capital transactions.

[0089] For example, Figure 2 A schematic diagram of an architecture for processing online transactions provided in an embodiment of the present application. Figure 2As shown, in the processing of online transactions, the transaction instructions can be initiated by the external unit, processed by the branch, and organized into a transaction request message to be sent to the processing system of the head office. The processing system of the head office then parses the request message, initializes the transaction status, and then performs verification processing. Specifically, after performing transfer information verification (validate), initializing single transaction flow information (initFlow), bank accounting (account), processing dynamic page response (processDynmResp), updating flow (updateFlow), and printing vouchers (printJrnl), a response message can be sent to the branch. After receiving the response message, the branch will feedback the processing results to the external unit so that the external unit receives feedback information. Optionally, the process of the head office's processing system performing online transaction processing can be as follows Figure 3 shown.

[0090] Figure 3 A schematic diagram of a process for processing online transactions provided in an embodiment of the present application. Figure 3 As shown, the processing process of online transactions provided by the embodiment of the present application may include one or more of the following steps:

[0091] S301. In response to a request message for a current online transaction, the transaction state of the current online transaction is initialized, and the transfer information of the current online transaction is verified. After determining that the transfer information verification passes, the single transaction flow information of the current online transaction is initialized; wherein the single transaction flow information is used to indicate the flow of funds in the current online transaction.

[0092] For example, in actual applications, a third-party user generally initiates an online transaction instruction through a branch. After the branch processes the transaction instruction, it forms a corresponding request message and sends it to the processing system of the head office. After the processing system receives the request message for the current online transaction, it executes the corresponding transaction processing process. When processing an online transaction, the processing system can first initialize the transaction status of the current online transaction, determine that the transaction status is in processing, and then perform a verification. For example, the transfer information, third-party serial number and other information of the current online transaction can be verified. The transfer information may include but is not limited to the account information of the two parties to the transaction, the transfer amount, etc.; after determining that the transfer information verification is passed, the processing system can initialize the single transaction flow information of the current online transaction, which is used to indicate the flow of funds in the current online transaction, record the detailed steps and status of the transaction, etc. Optionally, the single transaction flow information can be recorded in a single transaction flow table.

[0093] The processing system performs initialization processing and initial verification on the current online transaction, aiming to determine the initial transaction information of the current online transaction and the legality and rationality of the transaction request, so that the processing system can execute subsequent steps normally and orderly.

[0094] S302. According to the transaction type of the current online transaction, call the host corresponding to the current online transaction to perform a transfer operation to obtain a transaction result; wherein the transaction result is used to indicate whether the transfer is successful or failed.

[0095] Exemplarily, in the embodiment of the present application, the transaction types of online transactions can be divided into intra-bank transfer transactions and inter-bank transfer transactions. The intra-bank transfer transactions and inter-bank transfer transactions are respectively completed by different hosts, which have their own processing logic. Therefore, when processing the current online transaction, the processing system needs to determine the transaction type of the current online transaction, and then process it according to the transaction type of the current online transaction to call the corresponding host to perform the transfer operation, so as to obtain the transaction result.

[0096] Among them, the transaction type of the current online transaction can be determined by the bank accounts of the two parties to the transaction. If the bank accounts of the two parties to the transaction are accounts of the same bank, and funds are only transferred between accounts within the same bank, then the transaction type of the current online transaction is determined to be an intra-bank transfer transaction. If the bank accounts of the two parties to the transaction are accounts of different banks, and funds are transferred between accounts of different banks, then the transaction type of the current online transaction is determined to be an inter-bank transfer transaction.

[0097] Optionally, according to the transaction type of the current online transaction, calling a host corresponding to the current online transaction to perform a transfer operation may include:

[0098] S10. If it is determined that the current online transaction is a transfer transaction of the bank, then verify whether the transaction contract between the bank and the entrusting unit is normal. If normal, obtain the corresponding business parameters for information verification. After the verification passes, call the host corresponding to the bank's transfer transaction to perform the transfer operation.

[0099] S20. If it is determined that the current online transaction is an inter-bank transfer transaction, the transfer information is obtained, and a host corresponding to the inter-bank transfer transaction is called to perform the transfer operation.

[0100] Exemplarily, in an embodiment of the present application, the bank transfer transaction and the inter-bank transfer transaction are respectively completed by different hosts, which have their own processing logic. After determining the transaction type of the current online transaction, the processing system will process it according to the transaction type of the current online transaction to call the corresponding host to perform the transfer operation.

[0101] For example, when executing the bank's transfer transaction, the processing system will directly verify whether the transaction contract between the bank and the entrusting unit is normal. The transaction contract usually includes account agreements, service terms, etc. During the verification, the validity period and status of the contract (such as whether it has been suspended or terminated) will be verified to ensure the legality and compliance of the transaction. If it is determined that the transaction contract between the bank and the entrusting unit is normal, the corresponding business parameters such as settlement mode, payment method (cash, bank card, passbook, check, financial IC card, bill, etc.), medium type (passbook, credit card, debit card, public account, Panda Digital Currency, etc.), collection and payment mark (collection, payment) and other information verification will be obtained. After the verification is passed, a call message will be generated to call the host corresponding to the bank's transfer transaction to perform the transfer operation. After the transfer operation is executed, the transaction result can be obtained. If it is determined that the transaction contract between the bank and the entrusting unit is abnormal, the contract can be re-signed to ensure that subsequent transactions can be normal. Among them, the bank's transfer transactions in online transactions are real-time transactions, and the corresponding transaction results can be returned to the branch immediately. Each branch will notify the third-party unit of the corresponding transfer status.

[0102] For example, when executing an inter-bank transfer transaction, you can first obtain transfer information such as the account information of both parties to the transaction to form a call message, and then call the host corresponding to the inter-bank transfer transaction to perform the transfer operation. At this time, the called host corresponding to the inter-bank transfer transaction will complete the transaction according to the preset logic, such as first verifying the transaction contract, and after the verification passes, executing the transfer operation, etc., which is not limited in the embodiment of this application. Among them, the inter-bank transfer transaction is not a real-time transaction, and the transfer result will not be fed back to the third party unit when online. Generally, a scheduled task will be set, such as querying the transaction result every 5 minutes, and the third party unit will be notified immediately after the accurate transaction result is obtained.

[0103] It can be understood that in addition to indicating the success or failure of the transfer, the transaction result can also record other information, such as the confirmation number, transaction completion time, etc. when the transaction is successful, and the error code, error description, etc. when the transaction fails. The embodiments of the present application are not limited to this.

[0104] S303. Based on the transaction result, update the single transaction flow information of the current online transaction.

[0105] Exemplarily, transaction results are usually returned in the form of structured data such as JSON, XML, etc. After determining the transaction results, the processing system can also parse the transaction results, extract necessary information such as transaction status, confirmation number, error code, etc., and then update the single transaction flow information of the current online transaction based on this. The updated single transaction flow information can be used as the final flow information of the current online transaction, which is used to record the detailed transaction process of the transaction.

[0106] Specifically, the processing system can query the transaction record of the current online transaction from the database based on the transaction ID or other unique identifiers such as the global tracking number, and then update the transaction status field in the transaction record of the current online transaction based on the transaction result. If the transaction is successful, the transaction status is updated to "successful", and if the transaction fails, the transaction status is updated to "failed". In addition, the confirmation number, transaction completion time or error code, error description, etc. in the transaction result can also be recorded in the transaction record, and the updated single transaction flow information is saved in the database to ensure the integrity and consistency of the record.

[0107] S304, generating transaction voucher information; wherein the transaction voucher information serves as the transaction voucher for the current online transaction.

[0108] Exemplarily, the processing system may also use the transaction voucher information as a transaction voucher for the current online transaction based on actual needs for reference by the user and the system.

[0109] S305: Generate and output a response message based on the single transaction flow information and transaction voucher information.

[0110] For example, the format of response messages required by different branches may be different. The processing system can pick out corresponding information from the single transaction flow information and transaction voucher information according to actual needs, and splice them into corresponding fields according to the response requirements of the dynamic page, quickly generate a response message, output it to the branch, and then the branch processes it and feeds it back to the transaction requester.

[0111] Understandably, Figure 3 The following is a relatively standard online transaction process that does not include warning processing. Figure 2 In actual business, the online transaction process may include Figure 3 One or more of the steps shown may also include other more or fewer steps, and the embodiment of the present application does not limit this. In the solution provided in the embodiment of the present application, if the online transaction processing process that does not include the early warning processing exists as a whole code, the early warning processing method provided in the embodiment of the present application can be integrated into the processing of the online transaction through the aspect processing technology to realize the early warning function of the online transaction, thereby improving transaction security.

[0112] Among them, the characteristic businesses of each branch can be completed based on the doStart method and aspect processing technology of the head office. For the personalized needs of each branch, it is only necessary to add processing rules for each branch and configure the newly added rules in the corresponding position through the doStart method and aspect processing technology. It will not affect other processes. In this way, the transfer logic of the same branch can be reused in large quantities, thereby reducing repeated development and quickly meeting the business needs of each branch.

[0113] For example, Figure 4 A schematic diagram of another process for processing online transactions provided in the embodiment of the present application. Figure 4 As shown, the process of processing online transactions provided by this embodiment may include:

[0114] S401. In response to a request message for a current online transaction, the transaction state of the current online transaction is initialized, and the transfer information of the current online transaction is verified. After determining that the transfer information verification passes, the single transaction flow information of the current online transaction is initialized.

[0115] S402: Determine the transaction type of the current online transaction.

[0116] If it is an intra-bank transfer transaction, execute step S403; if it is an inter-bank transfer transaction, execute step S405.

[0117] S403. Verify whether the transaction contract between the bank and the entrusting entity is normal.

[0118] If normal, execute step S404; if abnormal, execute step S413, at which time the transaction status is recorded as failed.

[0119] S404: Obtain corresponding business parameters to perform information verification and determine whether the verification passes.

[0120] If yes, execute step S405; if no, execute step S413, at which time the transaction status is recorded as failed.

[0121] S405: Obtain and determine whether the transaction amount of the current online transaction is greater than a preset threshold.

[0122] If yes, execute step S406; if no, execute step S411 for intra-bank transfer transaction and step S412 for inter-bank transfer transaction.

[0123] S406. Lock the current online transaction and generate a warning detail list of the current online transaction.

[0124] S407. Send verification instructions to the target auditor.

[0125] S408. Receive verification results fed back by the target auditor.

[0126] S409. Determine whether the transaction amount is normal based on the verification result.

[0127] If yes, execute step S410; if no, execute step S413, at which time the transaction status is recorded as failed.

[0128] S410: Unlock the current online transaction.

[0129] If it is an intra-bank transfer transaction, execute step S411; if it is an inter-bank transfer transaction, execute step S412.

[0130] S411. Call the host corresponding to the bank's transfer transaction to perform the transfer operation.

[0131] S412: Acquire transfer information, and call the host corresponding to the inter-bank transfer transaction to perform the transfer operation.

[0132] After the transfer operation is completed based on step S411 or step S412, one or more of steps S413 to S416 may be executed based on the transaction result, which is not limited in the embodiment of the present application.

[0133] S413: Update the single transaction flow information of the current online transaction.

[0134] S414. Update the warning details list of the current online transaction.

[0135] S415: Generate transaction voucher information.

[0136] S416: Generate and output a response message.

[0137] It should be noted that the specific implementation of the above steps can refer to the specific description of other embodiments, which will not be repeated here. In the actual online transaction processing, some or all of the above steps may be included.

[0138] The online transaction processing method provided in this embodiment adds a large-amount warning function in the verification stage of the online transaction processing flow, which can issue warnings for large-amount transactions in online transactions. When the warning threshold is not reached, the original transfer logic will continue to be followed. If a warning occurs, the warning processing flow will be executed. This method is not only compatible with the transfer logic of the original program, but also each branch only needs to add the corresponding warning configuration if a warning mechanism is needed, which greatly improves the code reuse capability, reduces repetitive development, improves the availability and maintainability of the system, reduces upgrade and maintenance costs, and can also effectively improve transaction security and reduce transaction risks of large-amount capital transactions.

[0139] The following is an embodiment of the device of the present application, which can be used to execute the embodiment of the method of the present application. For details not disclosed in the embodiment of the device of the present application, please refer to the embodiment of the method of the present application.

[0140] Figure 5 The structure diagram of an online transaction warning processing device provided by the embodiment of the present application is as follows. The online transaction warning processing device provided by the embodiment of the present application is applied to the processing process of online transactions based on the aspect processing technology, such as Figure 5As shown, the warning processing device for online transactions provided in the embodiment of the present application may include a judgment unit 501, a warning unit 502, a sending unit 503, a receiving unit 504 and a processing unit 505.

[0141] The determination unit 501 is used to determine whether the transaction amount of the current online transaction is greater than a preset threshold before calling the host corresponding to the current online transaction to perform a transfer operation.

[0142] The warning unit 502 is used to lock the current online transaction and generate a warning detail table of the current online transaction if it is determined that the transaction amount of the current online transaction is greater than a preset threshold; wherein the warning detail table is used to record the warning detail information of the current online transaction.

[0143] The sending unit 503 is used to send a verification instruction to the target auditor; wherein the verification instruction is used to instruct the target auditor to verify the transaction amount based on the early warning details table.

[0144] The receiving unit 504 is used to receive the verification result fed back by the target auditor.

[0145] The processing unit 505 is used to process the current online transaction according to the verification result.

[0146] In a possible embodiment, the processing unit 505 is specifically configured to:

[0147] If it is determined based on the verification result that the transaction amount of the current online transaction is normal, the lock of the current online transaction is unlocked, and the step of calling the host corresponding to the current online transaction to perform a transfer operation is executed;

[0148] If it is determined based on the verification result that the transaction amount of the current online transaction is abnormal, the transaction status of the current online transaction is recorded as failed.

[0149] In a possible embodiment, the processing unit 505 is further configured to:

[0150] Update the warning details table of the current online transaction and change the locked state of the current online transaction in the warning details table to the unlocked state.

[0151] In a possible embodiment, the processing unit 505 is further configured to:

[0152] If it is determined that the transaction amount of the current online transaction is less than or equal to the preset threshold, the step of calling the host corresponding to the current online transaction to perform a transfer operation is executed.

[0153] In a possible embodiment, the receiving unit 504 is further configured to:

[0154] In response to a setting operation by a user based on a threshold setting interface, a preset threshold is determined.

[0155] In a possible embodiment, the processing unit 505 is further used to execute an online transaction processing process, and the online transaction processing process includes one or more of the following steps:

[0156] In response to a request message for the current online transaction, the transaction state of the current online transaction is initialized, and the transfer information of the current online transaction is verified. After determining that the transfer information verification is passed, the single transaction flow information of the current online transaction is initialized; wherein the single transaction flow information is used to indicate the flow of funds in the current online transaction;

[0157] According to the transaction type of the current online transaction, calling the host corresponding to the current online transaction to perform a transfer operation to obtain a transaction result; wherein the transaction result is used to indicate whether the transfer is successful or failed;

[0158] Based on the transaction results, update the single transaction flow information of the current online transaction;

[0159] Generate transaction voucher information; wherein the transaction voucher information serves as the transaction voucher for the current online transaction;

[0160] Generate and output a response message based on the single transaction flow information and transaction voucher information.

[0161] In a possible embodiment, the processing unit 505 is further configured to:

[0162] If it is determined that the current online transaction is a transfer transaction of the bank, then check whether the transaction contract between the bank and the entrusting unit is normal. If normal, obtain the corresponding business parameters for information verification. After the verification passes, call the host corresponding to the bank's transfer transaction to perform the transfer operation;

[0163] If it is determined that the current online transaction is an inter-bank transfer transaction, the transfer information is obtained, and the host corresponding to the inter-bank transfer transaction is called to perform the transfer operation.

[0164] The device provided in this embodiment can be used to execute the method of the above embodiment. Its implementation principle and technical effect are similar and will not be described in detail here.

[0165] It should be noted that it should be understood that the division of the various modules of the above device is only a division of logical functions. In actual implementation, they can be fully or partially integrated into one physical entity, or they can be physically separated. And these modules can all be implemented in the form of software called by processing elements; they can also be all implemented in the form of hardware; some modules can also be implemented in the form of software called by processing elements, and some modules can be implemented in the form of hardware. In addition, it can also be stored in the memory of the above device in the form of program code, and the functions of the above data processing modules can be called and executed by a processing element of the above device. The implementation of other modules is similar. In addition, all or part of these modules can be integrated together, or they can be implemented independently. The processing element here can be an integrated circuit with signal processing capabilities. In the implementation process, each step of the above method or each module above can be completed by an integrated logic circuit of hardware in the processor element or instructions in the form of software.

[0166] Figure 6 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. Figure 6 As shown, the electronic device 60 includes: a processor 601, and a memory 602 communicatively connected to the processor.

[0167] The memory 602 stores computer-executable instructions; the processor 601 executes the computer-executable instructions stored in the memory 602 to implement any of the aforementioned methods.

[0168] In the specific implementation of the above electronic device, it should be understood that the processor can be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The method disclosed in the embodiment of the present application can be directly embodied as a hardware processor for execution, or a combination of hardware and software modules in the processor for execution.

[0169] An embodiment of the present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement any of the methods described above.

[0170] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to computer instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0171] An embodiment of the present application also provides a computer program product, including a computer program, which is used to implement any of the aforementioned methods when executed by a processor.

[0172] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary techniques in the art that are not disclosed in the present application. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0173] It should be understood that the present application is not limited to the precise structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A warning processing method for online transactions, characterized in that: The method is applied to the processing of online transactions based on the aspect processing technology, and the method includes: Before calling the host corresponding to the current online transaction to perform a transfer operation, determining whether the transaction amount of the current online transaction is greater than a preset threshold; If it is determined that the transaction amount of the current online transaction is greater than the preset threshold, the current online transaction is locked, and a warning detail table of the current online transaction is generated; wherein the warning detail table is used to record the warning detail information of the current online transaction; Sending a verification instruction to the target auditor; wherein the verification instruction is used to instruct the target auditor to verify the transaction amount based on the early warning details table; Receive verification results fed back by the target auditor; The current online transaction is processed according to the verification result.

2. The method according to claim 1, characterized in that According to the verification result, the current online transaction is processed, including: If it is determined based on the verification result that the transaction amount of the current online transaction is normal, unlocking the current online transaction and executing the step of calling the host corresponding to the current online transaction to perform a transfer operation; If it is determined based on the verification result that the transaction amount of the current online transaction is abnormal, the transaction status of the current online transaction is recorded as failed.

3. The method according to claim 2, characterized in that After unlocking the current online transaction, the method further includes: The early warning list of the current online transaction is updated, and the locked state of the current online transaction in the early warning list is changed to an unlocked state.

4. The method according to claim 1, characterized in that: The method further comprises: If it is determined that the transaction amount of the current online transaction is less than or equal to the preset threshold, the step of calling the host corresponding to the current online transaction to perform a transfer operation is executed.

5. The method according to claim 1, characterized in that The method further comprises: The preset threshold is determined in response to a setting operation of a user based on a threshold setting interface.

6. The method according to any one of claims 1 to 5, characterized in that The online transaction processing process includes one or more of the following steps: In response to a request message for the current online transaction, the transaction state of the current online transaction is initialized, and the transfer information of the current online transaction is verified. After determining that the transfer information verification passes, the single transaction flow information of the current online transaction is initialized; wherein the single transaction flow information is used to indicate the flow of funds in the current online transaction; According to the transaction type of the current online transaction, calling the host corresponding to the current online transaction to perform a transfer operation to obtain a transaction result; wherein the transaction result is used to indicate whether the transfer is successful or failed; Based on the transaction result, update the single transaction flow information of the current online transaction; Generate transaction voucher information; wherein the transaction voucher information serves as the transaction voucher for the current online transaction; Generate and output a response message based on the single transaction flow information and the transaction voucher information.

7. The method according to claim 6, characterized in that According to the transaction type of the current online transaction, call the host corresponding to the current online transaction to perform the transfer operation, including: If it is determined that the current online transaction is a transfer transaction of the bank, then check whether the transaction contract between the bank and the entrusting unit is normal. If normal, obtain the corresponding business parameters for information verification. After the verification passes, call the host corresponding to the bank's transfer transaction to perform the transfer operation; If it is determined that the current online transaction is an inter-bank transfer transaction, the transfer information is obtained, and the host corresponding to the inter-bank transfer transaction is called to perform the transfer operation.

8. An early warning processing device for online transactions, characterized in that: The device is applied to the processing process of online transactions based on the aspect processing technology, and the device includes: A determination unit, used to determine whether the transaction amount of the current online transaction is greater than a preset threshold before calling the host corresponding to the current online transaction to perform a transfer operation; An early warning unit, for locking the current online transaction and generating an early warning detail table of the current online transaction if it is determined that the transaction amount of the current online transaction is greater than a preset threshold; wherein the early warning detail table is used to record early warning detail information of the current online transaction; A sending unit, configured to send a verification instruction to a target auditor; wherein the verification instruction is used to instruct the target auditor to verify the transaction amount based on the early warning detail table; A receiving unit, used to receive the verification result fed back by the target auditor; A processing unit is used to process the current online transaction according to the verification result.

9. An electronic device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 7 when executed by a processor.

11. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 7 when being executed by a processor.

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