Transaction data processing method and device, equipment and storage medium

Abstract

The invention provides a transaction data processing method and device, equipment and a storage medium. Relates to the technical field of data processing. The method comprises the steps that a transaction identifier of a to-be-processed transaction is acquired, and the transaction identifier is used for identifying a to-be-processed house corresponding to the to-be-processed transaction; according to the transaction identifier, initiating house state query to determine whether the to-be-processed house is in a tradable state; if the to-be-processed house is in a tradable state, a hosting application of the to-be-processed transaction is acquired, and the hosting application comprises a plurality of payees corresponding to the to-be-processed transaction; according to the trusteeship application, generating a plurality of trusteeship contracts, and sending the trusteeship contracts to corresponding payees, each payee corresponding to one trusteeship contract; and according to the trusteeship contract, the fund processing operation is executed, so that the fund security is ensured, and the transaction security is improved.

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 and storage medium. Background Art

[0002] There is a strong demand for housing transactions in the market. As a necessity in life, the security and legality of housing transactions have always received widespread attention from all walks of life. With the increasing awareness of transaction risks, the housing transaction market urgently needs to find methods that can both ensure the legality of housing transactions and the financial security of both parties to the transaction.

[0003] At present, housing fund escrow products have been derived to ensure transaction security during housing transactions. A common processing method for housing fund escrow products is: based on the transfer request of the payee terminal, authorization is granted to transfer the agreed funds from the payee account to the fund escrow account and lock it; based on the agreed service execution status and after the execution is completed, the fund escrow terminal unlocks the agreed funds in the fund escrow account according to the unlocking request of the payee terminal; based on the collection request of the payee terminal, the fund escrow terminal transfers the unlocked collection funds in the fund escrow account to the payee account.

[0004] However, the security of existing technology transactions is low. Summary of the invention

[0005] The present application provides a transaction data processing method, device, equipment and storage medium to solve the technical problem of low security of transactions in the prior art.

[0006] In a first aspect, the present application provides a transaction data processing method, applied to a first terminal device, comprising:

[0007] Obtaining a transaction identifier of a pending transaction, wherein the transaction identifier is used to identify a pending house corresponding to the pending transaction;

[0008] Initiate a house status query according to the transaction identifier to determine whether the house to be processed is in a tradable state;

[0009] If the pending house is in a tradable state, obtaining a trust application for the pending transaction, wherein the trust application includes multiple payees corresponding to the pending transaction;

[0010] Generate multiple escrow contracts according to the escrow application, and send the escrow contracts to corresponding payees, wherein each payee corresponds to one escrow contract;

[0011] Execute fund handling operations according to the escrow contract.

[0012] The present application provides a safe and reliable transaction data processing method. When conducting a house fund transaction, the house status of the house to be processed is first queried through the transaction identifier corresponding to the transaction to determine whether the current status of the house to be processed is correct and tradable. After determining that the house is tradable, the escrow application initiated by the user can be obtained, and an escrow contract is generated for each payee in the escrow application, realizing a single transaction multi-contract mode. Based on this mode, the funds corresponding to the pending transaction can be escrowed to multiple payees, and accurate transactions can be realized based on the escrow contract. The method provided by the present application ensures the reliability of the transaction by querying the house status, and ensures the safety of funds through escrow contracts with multiple payees, thereby improving the security of transactions.

[0013] Optionally, the escrow application includes multiple escrow requests and multiple payment information;

[0014] Correspondingly, generating multiple escrow contracts based on the escrow application includes: sending the escrow request to the corresponding payee so that the payee generates escrow confirmation information based on the escrow request; if escrow confirmation information sent by all payees corresponding to the escrow application is received, generating multiple escrow contracts based on the collection information.

[0015] Among them, this application can send the custody request to the corresponding payee according to the user's application, so that the payee can confirm whether to accept the custody application. If all payees corresponding to the pending transaction confirm that they accept the custody application, a custody contract will be generated for each payee to realize the custody of funds with each payee, thereby improving the stability and security of the transaction.

[0016] Optionally, the escrow contract includes a funds transfer amount and funds transfer conditions;

[0017] Correspondingly, the fund processing operation is performed according to the custody contract, including: determining the frozen amount corresponding to the custody contract according to the fund transfer amount of the custody contract, and performing a fund freezing operation according to the frozen amount; monitoring the brokerage process of the pending house; if the brokerage process of the pending rent meets the fund transfer conditions of the custody contract, the frozen funds corresponding to the custody contract are transferred to the payee corresponding to the custody contract.

[0018] Here, this application can realize accurate and secure processing of funds based on the custody contract. Specifically, the custody contract includes the amount of funds transfer and the conditions for funds transfer. After signing the custody contract with multiple payees, the intermediary process of the house to be processed can be monitored in real time. When it is monitored that the intermediary process meets the conditions for funds transfer, the corresponding amount of funds will be transferred to the corresponding payee, ensuring the safety and reliability of the funds transfer, without relying on intermediate accounts, saving costs.

[0019] Optionally, the custody contract also includes conditions for unfreezing funds;

[0020] Correspondingly, executing the fund processing operation according to the escrow contract also includes: if the intermediary process of the rent to be processed meets the fund unfreezing conditions of the escrow contract, unfreezing the frozen funds corresponding to the escrow contract.

[0021] Here, the escrow contract provided by this application for the payer and the payee also includes conditions for unfreezing funds. When the real-time monitoring of the intermediary process of the house to be processed meets the conditions for unfreezing funds, the frozen funds will be automatically unfrozen to the payer. Even if the transaction is unsuccessful, the security and reliability of the funds can still be guaranteed, thereby ensuring the transaction security of the payer.

[0022] Optionally, initiating a house status query based on the transaction identifier to determine whether the house to be processed is in a tradable state includes: sending the transaction identifier to a house management system so that the house management system queries the house status of the house to be processed based on the transaction identifier; receiving the house status sent by the house management system, and determining whether the house to be processed is in a tradable state based on the house status.

[0023] Among them, this application can initiate a house status query through interaction with the house management system, and through real-time linkage with the house management system, it can quickly and timely obtain the most accurate house status, thereby providing accurate support for transactions and improving transaction security.

[0024] Optionally, obtaining the transaction identifier of the pending transaction includes: displaying a first interface in response to a transaction application operation by a user; and obtaining the transaction identifier of the pending transaction in response to an input and / or selection operation by the user on the first interface.

[0025] Among them, the present application provides users with an operable first interface, on which users can determine the transaction identifier of the pending transaction by input or selection, so as to select the house corresponding to the transaction, thereby providing users with an intuitive and flexible interaction method, improving transaction efficiency and user experience.

[0026] Optionally, after executing the fund processing operation according to the escrow contract, the method further includes: updating the house status of the house to be processed.

[0027] Here, this application can update the house status of the pending house in real time according to the transaction progress, so that users can understand the house status in time, and also ensure the reliability and accuracy of the house transaction data, further improving the transaction security.

[0028] Optionally, after executing the fund processing operation according to the custody contract, it also includes: generating a fund processing prompt according to the fund processing operation; and displaying the fund processing prompt.

[0029] Among them, this application can also generate and display fund processing prompts for each fund processing operation to inform users of the destination of funds and transaction status, further improving the security of transactions and improving user experience.

[0030] In a second aspect, the present application provides a transaction data processing device, comprising:

[0031] A first acquisition module is used to acquire a transaction identifier of a pending transaction, wherein the transaction identifier is used to identify a pending house corresponding to the pending transaction;

[0032] A query module, used to initiate a house status query according to the transaction identifier to determine whether the house to be processed is in a tradable state;

[0033] A second acquisition module is used to acquire a trust application for the pending transaction if the pending house is in a tradable state, wherein the trust application includes multiple payees corresponding to the pending transaction;

[0034] A first processing module, configured to generate a plurality of escrow contracts according to the escrow application, and send the escrow contracts to corresponding payees, wherein each payee corresponds to one escrow contract;

[0035] The second processing module is used to perform fund processing operations according to the custody contract.

[0036] Optionally, the escrow application includes multiple escrow requests and multiple payment information; accordingly, the first processing module is specifically used to: send the escrow request to the corresponding payee, so that the payee generates escrow confirmation information according to the escrow request; if the escrow confirmation information sent by all payees corresponding to the escrow application is received, multiple escrow contracts are generated according to the payment information.

[0037] Optionally, the escrow contract includes a fund transfer amount and fund transfer conditions; accordingly, the second processing module is specifically used to: determine the frozen amount corresponding to the escrow contract according to the fund transfer amount of the escrow contract, and perform a fund freezing operation according to the frozen amount; monitor the intermediary process of the pending house; if the intermediary process of the pending rent meets the fund transfer conditions of the escrow contract, transfer the frozen funds corresponding to the escrow contract to the payee corresponding to the escrow contract.

[0038] Optionally, the escrow contract also includes fund unfreezing conditions; accordingly, the second processing module is further specifically used to: unfreeze the frozen funds corresponding to the escrow contract if the intermediary process of the rent to be processed meets the fund unfreezing conditions of the escrow contract.

[0039] Optionally, the query module is specifically used to: send the transaction identifier to the house management system so that the house management system queries the house status of the house to be processed according to the transaction identifier; receive the house status sent by the house management system, and determine whether the house to be processed is in a tradable state based on the house status.

[0040] Optionally, the first acquisition module is specifically used to: display a first interface in response to a transaction application operation by a user; and acquire a transaction identifier of a pending transaction in response to an input and / or selection operation by a user on the first interface.

[0041] Optionally, after the second processing module is used to perform fund processing operations according to the escrow contract, the above-mentioned device also includes an updating module for updating the house status of the house to be processed.

[0042] Optionally, after the second processing module is used to perform a fund processing operation according to the custody contract, the above-mentioned device also includes a prompt module, which is used to generate a fund processing prompt according to the fund processing operation; and display the fund processing prompt.

[0043] In a third aspect, the present application provides a transaction data processing device, comprising: at least one processor and a memory; the memory stores computer execution instructions; the at least one processor executes the computer execution instructions stored in the memory, so that the at least one processor executes the transaction data processing method described in the first aspect and various possible designs of the first aspect.

[0044] In a fourth aspect, the present application provides a computer-readable storage medium, in which computer execution instructions are stored. When a processor executes the computer execution instructions, the transaction data processing method described in the first aspect and various possible designs of the first aspect is implemented.

[0045] In a fifth aspect, the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the transaction data processing method described in the first aspect and various possible designs of the first aspect.

[0046] The transaction data processing method, device, equipment and storage medium provided by the present application, when conducting a house fund transaction, the method first queries the house status of the house to be processed through the transaction identifier corresponding to the transaction to determine whether the current status of the house to be processed is correct and tradable. After determining that the house is tradable, the escrow application initiated by the user can be obtained, and an escrow contract is generated for each payee in the escrow application, realizing a single transaction multi-contract mode. Based on this mode, the funds corresponding to the pending transaction can be escrowed to multiple payees, and accurate transactions can be realized based on the escrow contract. The method provided by the present application ensures the reliability of the transaction by querying the house status, and ensures the safety of funds through escrow contracts with multiple payees, thereby improving the security of transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] 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.

[0048] Figure 1 A schematic diagram of a transaction data processing system architecture provided in an embodiment of the present application;

[0049] Figure 2 A flowchart of a transaction data processing method provided in an embodiment of the present application;

[0050] Figure 3 A flowchart of another transaction data processing method provided in an embodiment of the present application;

[0051] Figure 4 A schematic diagram of an execution framework of a transaction data processing method provided in an embodiment of the present application;

[0052] Figure 5 A schematic diagram of an execution framework of another transaction data processing method provided in an embodiment of the present application;

[0053] Figure 6 A schematic diagram of an execution framework of another transaction data processing method provided in an embodiment of the present application;

[0054] Figure 7 A schematic diagram of an execution framework of another transaction data processing method provided in an embodiment of the present application;

[0055] Figure 8 A schematic diagram of the structure of a transaction data processing device provided in an embodiment of the present application;

[0056] Fig. 9 A schematic diagram of the structure of a transaction data processing device provided in an embodiment of the present application.

[0057] 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

[0058] 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 embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0059] The terms "first", "second", "third", and "fourth", etc. (if any) in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product, or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products, or devices.

[0060] 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.

[0061] 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.

[0062] In the related technology, the fund escrow terminal authorizes and agrees to transfer the agreed funds from the payer's account to the fund escrow account and locks it based on the transfer request of the payer's terminal; based on the agreed service execution status and after the execution is completed, the fund escrow terminal unlocks the agreed funds in the fund escrow account according to the unlocking request of the payee's terminal; based on the payment request of the payee's terminal, the fund escrow terminal transfers the unlocked collection funds in the fund escrow account to the payee's account. The related technology requires the addition of new hardware terminals, including the payer's terminal, the payee's terminal and the escrow terminal, which increases the corresponding supporting basic hardware facility cost expenditure and reduces the efficiency. The three terminals used in the related technology (payer terminal, payee terminal, escrow terminal) are all provided by the company, not by financial institutions, and the equipment credibility is poor and the capital risk is relatively large. The related technology has the technical problem of low transaction security.

[0063] In order to solve the above problems, the embodiments of the present application provide a transaction data processing method, device, equipment and storage medium, wherein when conducting a financial transaction of a house, the method first queries the house status of the house to be processed through the transaction identifier corresponding to the transaction to determine whether the current status of the house to be processed is correct and tradable. After determining that the house is tradable, the escrow application initiated by the user can be obtained, and an escrow contract is generated for each payee in the escrow application, thereby realizing a single transaction multi-contract mode. Based on this mode, the funds corresponding to the pending transaction can be escrowed to multiple payees, and accurate transactions can be realized based on the escrow contract.

[0064] Optionally, the transaction to be processed in the embodiment of the present application may be a fund escrow transaction, or a house purchase transaction.

[0065] Optionally, when conducting housing fund transactions, based on the concerns of both buyers and sellers about fund security, the product service of providing a personal account transaction fund custody single transaction transfer to multiple payees is the problem to be solved by the embodiments of this application. Based on the above problems, the embodiments of this application can achieve the following functions: 1. Real-time linkage with the local government housing authority system to obtain intermediary information; 2. Real-time synchronization of personal and personal custody transaction information with the local government housing authority system; 3. Funds are in the customer payer account throughout the fund supervision process, without relying on other intermediate accounts; 4. A fund custody can have a single payer and multiple payee contracts, and after the transaction is completed, the funds can be credited according to the contract agreement of each payee.

[0066] Optionally, the method provided in the embodiment of the present application is based on person-to-person business, because fund custody transactions between individuals only minimize reliance on current accounts.

[0067] Optionally, the executor of the method provided in the embodiment of the present application is a first terminal device, which may also be referred to as a fund custody terminal, to realize the custody of funds without the involvement of a third-party financial institution. The process is simple and convenient, and can effectively ensure the normal progress of transactions and avoid disputes.

[0068] Optional, Figure 1 A transaction data processing system architecture diagram provided in an embodiment of the present application is as follows: Figure 1 As shown, the transaction data processing system provided in the embodiment of the present application includes a first terminal device 101, a second terminal device 102, a third terminal device 103, a fourth terminal device 104 and a fifth terminal device 105.

[0069] Optionally, the first terminal device 101 here can be a mobile terminal of the user (payer), such as the user's mobile phone, tablet computer or personal computer, etc., or a terminal device of a device in a fund custody transaction place or a house transaction place. The first terminal device 101 can realize interaction with the user.

[0070] Optionally, the second terminal device 102, the third terminal device 103, the fourth terminal device 104 and the fifth terminal device 105 here can be terminal devices of any payee, or terminal devices of any intermediary structure, or terminal devices of the housing management bureau of a local government.

[0071] The first terminal device 101 is communicatively connected with the second terminal device 102 , the third terminal device 103 , the fourth terminal device 104 and the fifth terminal device 105 .

[0072] It is understandable that, in the transaction data processing system, the number of terminal devices can be determined based on actual conditions, and the embodiments of the present application do not impose specific limitations on this.

[0073] It is understandable that the structure illustrated in the embodiment of the present application does not constitute a specific limitation on the architecture of the transaction data processing system. In other feasible implementations of the present application, the above architecture may include more or fewer components than shown in the figure, or combine certain components, or divide certain components, or arrange components differently, which can be determined according to the actual application scenario and is not limited here. Figure 1 The components shown may be implemented in hardware, software, or a combination of software and hardware.

[0074] Optionally, the terminal devices may include a processor. It should be understood that the processor may be implemented by the processor reading instructions in a memory and executing the instructions, or may be implemented by a chip circuit.

[0075] In addition, the network architecture and business scenarios described in the embodiments of the present application are intended to more clearly illustrate the technical solutions of the embodiments of the present application, and do not constitute a limitation on the technical solutions provided in the embodiments of the present application. Ordinary technicians in this field can know that with the evolution of network architecture and the emergence of new business scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

[0076] The technical solution of the present application is described in detail below in conjunction with specific embodiments:

[0077] Optionally, Figure 2 A flowchart of a transaction data processing method provided in an embodiment of the present application. The execution subject of the embodiment of the present application can be Figure 1 The first terminal device 101 in the embodiment may be a computer device determined according to the actual application scenario. Figure 2 As shown, the method comprises the following steps:

[0078] S201: Obtain the transaction identifier of the transaction to be processed.

[0079] The transaction identifier is used to identify the pending house corresponding to the pending transaction.

[0080] Optionally, the transaction identifier may be an identification number of the house.

[0081] Optionally, obtaining the transaction identifier of the pending transaction includes: displaying a first interface in response to a transaction application operation by a user; and obtaining the transaction identifier of the pending transaction in response to an input and / or selection operation by the user on the first interface.

[0082] In some embodiments, the first interface here can display all the house identification numbers to be selected that are stored in the database in response to the user's transaction application operation, and the user can select the house identification number that he wants to trade.

[0083] In some embodiments, the first interface here may display an input box in response to the user's transaction application operation, and the user may enter the house identification number that he or she wants to trade in the input box.

[0084] Optionally, the transaction application operation may be a click operation on the second interface.

[0085] It is understandable that the first interface and the second interface here can be determined according to actual conditions, and the embodiments of the present application do not impose specific limitations on this.

[0086] Among them, the embodiment of the present application provides users with an operable first interface, on which users can determine the transaction identifier of the transaction to be processed by input or selection, so as to select the house corresponding to the transaction, thereby providing users with an intuitive and flexible interaction method, improving transaction efficiency, and improving user experience.

[0087] S202: Initiate a house status query based on the transaction identifier to determine whether the house to be processed is in a tradable state.

[0088] Optionally, a house status query is initiated based on the transaction identifier to determine whether the house to be processed is in a tradable state, including: sending the transaction identifier to the house management system so that the house management system queries the house status of the house to be processed based on the transaction identifier; receiving the house status sent by the house management system, and determining whether the house to be processed is in a tradable state based on the house status.

[0089] Optionally, the transaction identifier is a house identification number.

[0090] Optionally, the transaction identifier is specific location information of the house.

[0091] Optionally, the house management system is a house management system in the first terminal device, in which the latest house status of each house is stored.

[0092] Optionally, the housing management system is a housing intermediary system of a local government housing authority.

[0093] In some possible implementations, the embodiments of the present application can interact with the housing intermediary system of the local government housing authority in real time based on the house identification number to obtain the information and status of the intermediary house to ensure that the house information and status are correct and saleable.

[0094] Among them, the embodiment of the present application can initiate a house status query through interaction with the house management system, and real-time linkage with the house management system can quickly and timely obtain the most accurate house status, thereby providing accurate support for transactions and improving transaction security.

[0095] S203: If the pending house is in a tradable state, obtain a custody application for the pending transaction.

[0096] Among them, the custody application includes multiple payees corresponding to the pending transactions.

[0097] S204: Generate multiple escrow contracts based on the escrow application, and send the escrow contracts to the corresponding payees.

[0098] Among them, each payee corresponds to a custody contract.

[0099] S205: Execute fund processing operations according to the custody contract.

[0100] The embodiment of the present application provides a safe and reliable transaction data processing method. When conducting a house fund transaction, the house status of the house to be processed is first queried through the transaction identifier corresponding to the transaction to determine whether the current status of the house to be processed is correct and tradable. After determining that the house is tradable, the escrow application initiated by the user can be obtained, and an escrow contract is generated for each payee in the escrow application, realizing a single transaction multi-contract mode. Based on this mode, the funds corresponding to the pending transaction can be escrowed to multiple payees, and accurate transactions can be realized based on the escrow contract. The method provided by the embodiment of the present application ensures the reliability of the transaction by querying the house status, and ensures the safety of funds through escrow contracts with multiple payees, thereby improving transaction security.

[0101] Optionally, the escrow application includes multiple escrow requests and multiple payment information. The embodiment of the present application can generate multiple escrow contracts after multiple payees confirm. Figure 3 A flowchart of another transaction data processing method provided in an embodiment of the present application is shown as follows: Figure 3 As shown, the method includes:

[0102] S301: Obtain the transaction identifier of the transaction to be processed.

[0103] The transaction identifier is used to identify the pending house corresponding to the pending transaction.

[0104] S302: Initiate a house status query based on the transaction identifier to determine whether the house to be processed is in a tradable state.

[0105] S303: If the pending house is in a tradable state, obtain a trusteeship application for the pending transaction.

[0106] Among them, the custody application includes multiple payees corresponding to the pending transactions.

[0107] S304: Send the escrow request to the corresponding payee, so that the payee generates escrow confirmation information according to the escrow request.

[0108] In some embodiments, the buyer's payee applies for fund escrow to the seller's payee and the intermediary agency's payee. During the application process, the payee needs to select a payment method and enter the house identification number. The payment method can be selected according to the transfer conditions, that is, the funds are transferred according to the stage of the house transaction process; the transaction subject needs to enter the house identification number. Based on the house identification number, the system is linked in real time with the house intermediary system of the local government housing authority to obtain the information and status of the intermediary house to ensure that the house information and status are correct and saleable.

[0109] S305: If the custody confirmation information sent by all payees corresponding to the custody application is received, multiple custody contracts are generated according to the payment information, and the custody contracts are sent to the corresponding payees.

[0110] Among them, each payee corresponds to a custody contract.

[0111] In some embodiments, after the buyer payer verifies that the house information is correct, he can initiate a fund escrow application. The payee can confirm that the fund escrow transaction is effective, or not. When all payees have not confirmed the fund escrow transaction, the payer can cancel the escrow application on his own. If all payees have confirmed the escrow application, the payer cannot cancel it on his own. After the fund escrow takes effect, this transaction will generate multiple escrow contracts at the same time based on the number of payees. For example, payer A applies for fund escrow to payees B, C...N. After the escrow takes effect, N contracts will be generated, A and B contracts, A and C contracts...A and N contracts. These N contracts are essentially a single transaction multi-contract model. Here, N is an arbitrary positive integer, representing the total number of payees.

[0112] S306: Execute fund processing operations according to the custody contract.

[0113] Optionally, the escrow contract includes a fund transfer amount and fund transfer conditions; accordingly, according to the escrow contract, fund processing operations are performed, including: determining a frozen amount corresponding to the escrow contract according to the fund transfer amount of the escrow contract, and performing a fund freezing operation according to the frozen amount; monitoring the brokerage process of the pending house; if the brokerage process of the pending rent meets the fund transfer conditions of the escrow contract, the frozen funds corresponding to the escrow contract are transferred to the payee corresponding to the escrow contract.

[0114] Here, the embodiment of the present application can realize accurate and secure processing of funds according to the custody contract. Specifically, the custody contract includes the amount of funds transfer and the conditions for funds transfer. After signing the custody contract with multiple payees, the intermediary process of the house to be processed can be monitored in real time. When it is monitored that the intermediary process meets the conditions for funds transfer, the corresponding amount of funds will be transferred to the corresponding payee, ensuring the safety and reliability of the funds transfer, without relying on intermediate accounts, and saving costs.

[0115] Optionally, the escrow contract also includes conditions for unfreezing funds; accordingly, executing fund processing operations according to the escrow contract also includes: if the intermediary process of the rent to be processed meets the conditions for unfreezing funds of the escrow contract, unfreezing the frozen funds corresponding to the escrow contract.

[0116] Here, the escrow contract provided by the embodiment of the present application for the payer and the payee also includes a fund unfreezing condition. When the real-time monitoring of the intermediary process of the house to be processed meets the fund unfreezing conditions, the frozen funds will be automatically unfrozen to the payer. Even if the transaction is unsuccessful, the security and reliability of the funds can still be guaranteed, thereby ensuring the transaction security of the payer.

[0117] In some embodiments, after the parties involved such as the buyer and seller of the house, the local government housing authority and the intermediary agency reach an agreement on the fund escrow transaction, the payer can make payments according to the stage of the house transaction process. Before the payer actively pays, the payer's funds will be frozen in the payer's payment account. The funds are still in the payer's hands, but they are just frozen. After the parties involved (payees) reach a payment agreement, the payer can transfer the frozen funds in his account to the accounts designated by each payee. At the same time, the product service is linked to the local government housing authority system in real time to synchronize the transaction status.

[0118] In some embodiments, the product service is linked in real time with the local government housing management bureau system to obtain the house brokerage process. If the product service obtains the conditions for transfer (condition 1: completing the transfer procedures, condition 2: the new property certificate is registered in the name of the buyer), the funds will be transferred according to the contract agreed upon at the time of application. If the conditions for automatic unfreezing of funds are met (condition 1: a specified number of days after processing the designated product, condition 2: the housing bureau's online real estate system returns a certificate of non-registration), the frozen funds will be unfrozen back to the payer's account.

[0119] Among them, the embodiment of the present application can send the escrow request to the corresponding payee according to the user's application, so that the payee can confirm whether to accept the escrow application. If all payees corresponding to the pending transaction confirm that they accept the escrow application, a escrow contract will be generated for each payee to realize the fund escrow with each payee, thereby improving the stability and security of the transaction.

[0120] Optionally, after executing the fund processing operation according to the escrow contract, it also includes: updating the house status of the house to be processed.

[0121] Here, the embodiment of the present application can update the house status of the pending house in real time according to the transaction progress, so that the user can understand the house status in time, and also ensure the reliability and accuracy of the house transaction data, further improving the transaction security.

[0122] Optionally, after executing the fund processing operation according to the custody contract, it also includes: generating a fund processing prompt according to the fund processing operation; and displaying the fund processing prompt.

[0123] Among them, the embodiment of the present application can also generate and display fund processing prompts for each fund processing operation to inform the user of the destination of funds and transaction status, further improving the security of the transaction and improving the user experience.

[0124] In some embodiments, Figure 4 A schematic diagram of an execution framework of a transaction data processing method provided in an embodiment of the present application, such as Figure 4 According to the execution steps shown, the embodiment of the present application can realize the application for fund supervision.

[0125] In some embodiments, Figure 5 A schematic diagram of an execution framework of another transaction data processing method provided in an embodiment of the present application, such as Figure 5 According to the execution steps shown, the embodiment of the present application can realize real-time linkage between fund custody and the housing authority of the local government.

[0126] In some embodiments, Figure 6 A schematic diagram of an execution framework of another transaction data processing method provided in an embodiment of the present application, such as Figure 6 According to the execution steps shown, the embodiment of the present application can realize the deposit of funds.

[0127] In some embodiments, Figure 7 A schematic diagram of an execution framework of another transaction data processing method provided in an embodiment of the present application, such as Figure 7 According to the execution steps shown, the embodiment of the present application can realize fund refund.

[0128] Based on the above method, the embodiment of the present application can achieve the following effects: customer funds are frozen in their own current accounts, and funds are only transferred after the transaction effect is achieved, thereby ensuring the safety of funds; there is no need to add additional equipment, and the escrow transaction can be completed by relying solely on the customer account, and security is guaranteed; there is no need to add additional virtual or process supervision accounts, and the escrow transaction can be completed by minimizing reliance on the customer's existing account, and the usage threshold is low; it can eliminate the concerns of consumers on both sides of the transaction about the safety of consumer funds; compared with the existing technology, it can be completed at a lower cost, with simple procedures, and only requires a current account; it supports the transfer of funds under phased conditions for transactions, and realizes phased fund transfers according to the progress of the transaction; the service objects have been expanded from the original individuals to house buyers and sellers and intermediary agencies, and the local government housing management bureau has been added, and the applicable transaction categories have been expanded.

[0129] Figure 8 A schematic diagram of a transaction data processing device provided in an embodiment of the present application is shown in FIG. Figure 8As shown, the device of the embodiment of the present application includes: a first acquisition module 801, a query module 802, a second acquisition module 803, a first processing module 804 and a second processing module 805. The transaction data processing device here can be the first terminal device itself in the above-mentioned transaction data processing system, or a chip or integrated circuit that implements the function of the processor in the first terminal device. It should be noted here that the division of the first terminal device is only a division of logical functions, and the two can be integrated or independent physically.

[0130] The first acquisition module is used to acquire a transaction identifier of a pending transaction, wherein the transaction identifier is used to identify the pending house corresponding to the pending transaction;

[0131] The query module is used to initiate a house status query based on the transaction identifier to determine whether the house to be processed is in a tradable state;

[0132] A second acquisition module is used to obtain a trust application for the pending transaction if the pending house is in a tradable state, wherein the trust application includes multiple payees corresponding to the pending transaction;

[0133] A first processing module is used to generate multiple escrow contracts according to the escrow application, and send the escrow contracts to corresponding payees, wherein each payee corresponds to one escrow contract;

[0134] The second processing module is used to execute fund processing operations according to the custody contract.

[0135] Optionally, the custody application includes multiple custody requests and multiple payment information; accordingly, the first processing module is specifically used to: send the custody request to the corresponding payee, so that the payee generates custody confirmation information based on the custody request; if the custody confirmation information sent by all payees corresponding to the custody application is received, multiple custody contracts are generated based on the payment information.

[0136] Optionally, the escrow contract includes a fund transfer amount and fund transfer conditions; accordingly, the second processing module is specifically used to: determine the frozen amount corresponding to the escrow contract based on the fund transfer amount of the escrow contract, and perform a fund freezing operation based on the frozen amount; monitor the intermediary process of the pending house; if the intermediary process of the pending rent meets the fund transfer conditions of the escrow contract, transfer the frozen funds corresponding to the escrow contract to the payee corresponding to the escrow contract.

[0137] Optionally, the escrow contract also includes conditions for unfreezing funds; accordingly, the second processing module is also specifically used to: unfreeze the frozen funds corresponding to the escrow contract if the intermediary process of the rent to be processed meets the conditions for unfreezing funds of the escrow contract.

[0138] Optionally, the query module is specifically used to: send the transaction identifier to the house management system so that the house management system queries the house status of the house to be processed according to the transaction identifier; receive the house status sent by the house management system, and determine whether the house to be processed is in a tradable state according to the house status.

[0139] Optionally, the first acquisition module is specifically used to: display a first interface in response to a transaction application operation by a user; and acquire a transaction identifier of a pending transaction in response to an input and / or selection operation by a user on the first interface.

[0140] Optionally, after the second processing module is used to perform fund processing operations according to the escrow contract, the above-mentioned device also includes an updating module for updating the house status of the house to be processed.

[0141] Optionally, after the second processing module is used to perform the fund processing operation according to the custody contract, the above-mentioned device also includes a prompt module, which is used to generate a fund processing prompt according to the fund processing operation; and display the fund processing prompt.

[0142] refer to Fig. 9 , which shows a schematic diagram of the structure of a transaction data processing device suitable for implementing the embodiment of the present disclosure, and the transaction data processing device may be a terminal device or a server. The terminal device may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, personal digital assistants (PDAs), tablet computers (Portable Android Devices, PADs), portable multimedia players (PMPs), 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 only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0143] like Fig. 9As shown, the transaction data processing device may include a processing device (e.g., a central processing unit, a graphics processing unit, etc.) 901, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 902 or a program loaded from a storage device 908 to a random access memory (RAM) 903. Various programs and data required for the operation of the transaction data processing device are also stored in RAM 903. The processing device 901, ROM 902, and RAM 903 are connected to each other via a bus 904. An input / output (I / O) interface 905 is also connected to the bus 904.

[0144] Typically, the following devices may be connected to the I / O interface 905: input devices 906 including, for example, a touch screen, a touch pad, a keyboard, a mouse, a camera, a microphone, an accelerometer, a gyroscope, etc.; output devices 907 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; storage devices 908 including, for example, a magnetic tape, a hard disk, etc.; and communication devices 909. The communication devices 909 may allow the transaction data processing device to communicate with other devices wirelessly or by wire to exchange data. Although Fig. 9 The transaction data processing device having various devices is shown, but it should be understood that it is not required to implement or possess all the devices shown. More or fewer devices may be implemented or possessed instead.

[0145] In particular, according to an embodiment of the present disclosure, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device 909, or installed from a storage device 908, or installed from a ROM 902. When the computer program is executed by the processing device 901, the above-mentioned functions defined in the method of the embodiment of the present disclosure are executed.

[0146] It should be noted that the computer-readable medium disclosed above may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program that may be used by or in combination with an instruction execution system, device or device. In the present disclosure, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, in which a computer-readable program code is carried. This propagated data signal may take a variety of forms, including but not limited to an electromagnetic signal, an optical signal, or any suitable combination of the above. The computer readable signal medium may also be any computer readable medium other than a computer readable storage medium, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer readable medium may be transmitted using any suitable medium, including but not limited to: wires, optical cables, RF (radio frequency), etc., or any suitable combination of the above.

[0147] The computer-readable medium may be included in the transaction data processing device; or may exist independently without being assembled into the transaction data processing device.

[0148] The computer-readable 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 executes the method shown in the above embodiment.

[0149] Computer program code for performing the operations of the present disclosure may be written in one or more programming languages ​​or a combination thereof, including 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 cases involving a remote computer, the remote computer may be connected to the user's computer via 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).

[0150] 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 disclosure. 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 implementations as replacements, 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.

[0151] The units involved in the embodiments described in the present disclosure may be implemented by software or hardware. The name of a unit does not limit the unit itself in some cases. For example, the first acquisition unit may also be described as a "unit for acquiring at least two Internet Protocol addresses".

[0152] The functions described above herein may be performed at least in part by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), complex programmable logic devices (CPLDs), and the like.

[0153] In the context of the present disclosure, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or equipment. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or equipment, or any suitable combination of the foregoing. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, 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 foregoing.

[0154] The transaction data processing device of the embodiment of the present application can be used to execute the technical solutions in the above-mentioned method embodiments of the present application. Its implementation principles and technical effects are similar and will not be repeated here.

[0155] 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 above-mentioned transaction data processing methods.

[0156] An embodiment of the present application also provides a computer program product, including a computer program, which is used to implement any of the above-mentioned transaction data processing methods when executed by a processor.

[0157] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, which can be electrical, mechanical or other forms.

[0158] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to implement the solution of this embodiment.

[0159] In addition, each functional module in each embodiment of the present application can be integrated into one processing unit, or each module can exist physically separately, or two or more modules can be integrated into one unit. The above-mentioned module-composed unit can be implemented in the form of hardware or in the form of hardware plus software functional units.

[0160] The above-mentioned integrated module implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the methods of various embodiments of the present application.

[0161] It should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be implemented by a combination of hardware and software modules in the processor.

[0162] The memory may include a high-speed RAM memory, and may also include a non-volatile storage NVM, such as at least one disk memory, and may also be a USB flash drive, a mobile hard disk, a read-only memory, a magnetic disk or an optical disk, etc.

[0163] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0164] The above storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The storage medium can be any available medium that can be accessed by a general or special purpose computer.

[0165] An exemplary storage medium is coupled to a processor so that the processor can read information from the storage medium and write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and the storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the storage medium can also exist as discrete components in an electronic control unit or a main control device.

[0166] 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 program 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.

[0167] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A transaction data processing method, characterized in that: Applied to the first terminal device, including: Obtaining a transaction identifier of a pending transaction, wherein the transaction identifier is used to identify a pending house corresponding to the pending transaction; Initiate a house status query according to the transaction identifier to determine whether the house to be processed is in a tradable state; If the pending house is in a tradable state, obtaining a trust application for the pending transaction, wherein the trust application includes multiple payees corresponding to the pending transaction; Generate multiple escrow contracts according to the escrow application, and send the escrow contracts to corresponding payees, wherein each payee corresponds to one escrow contract; Execute fund handling operations according to the escrow contract.

2. The method according to claim 1, characterized in that: The escrow application includes multiple escrow requests and multiple payment information; Accordingly, according to the custody application, a plurality of custody contracts are generated, including: Sending the escrow request to a corresponding payee, so that the payee generates escrow confirmation information according to the escrow request; If custody confirmation information is received from all payees corresponding to the custody application, multiple custody contracts are generated based on the payment information.

3. The method according to claim 2, characterized in that The escrow contract includes the amount of funds to be transferred and the conditions for the funds transfer; Accordingly, the fund processing operation is performed according to the custody contract, including: Determine the frozen amount corresponding to the custody contract according to the fund transfer amount of the custody contract, and perform the fund freezing operation according to the frozen amount; Monitoring the progress of the mediation of the house to be processed; If the intermediary process of the pending rent meets the fund transfer conditions of the escrow contract, the frozen funds corresponding to the escrow contract will be transferred to the payee corresponding to the escrow contract.

4. The method according to claim 3, characterized in that The said custody contract also includes conditions for unfreezing funds; Accordingly, the executing of fund processing operations according to the custody contract further includes: If the intermediary process of the pending rent meets the fund unfreezing conditions of the escrow contract, the frozen funds corresponding to the escrow contract are unfrozen.

5. The method according to any one of claims 1 to 4, characterized in that: The initiating a house status query according to the transaction identifier to determine whether the house to be processed is in a tradable state includes: Sending the transaction identifier to a housing management system so that the housing management system queries the housing status of the housing to be processed according to the transaction identifier; Receive the house status sent by the house management system, and determine whether the house to be processed is in a tradable state according to the house status.

6. The method according to any one of claims 1 to 4, characterized in that: The step of obtaining the transaction identifier of the transaction to be processed includes: In response to the user's transaction application operation, displaying a first interface; In response to the user's input and / or selection operation on the first interface, a transaction identifier of the transaction to be processed is obtained.

7. The method according to any one of claims 1 to 4, characterized in that: After executing the fund processing operation according to the custody contract, the method further includes: The house status of the house to be processed is updated.

8. The method according to any one of claims 1 to 4, characterized in that: After executing the fund processing operation according to the custody contract, the method further includes: generating a funds processing prompt based on the funds processing operation; The funds processing prompt is displayed.

9. A transaction data processing device, characterized in that: include: A first acquisition module is used to acquire a transaction identifier of a pending transaction, wherein the transaction identifier is used to identify a pending house corresponding to the pending transaction; A query module, used to initiate a house status query according to the transaction identifier to determine whether the house to be processed is in a tradable state; A second acquisition module is used to acquire a trust application for the pending transaction if the pending house is in a tradable state, wherein the trust application includes multiple payees corresponding to the pending transaction; A first processing module, configured to generate a plurality of escrow contracts according to the escrow application, and send the escrow contracts to corresponding payees, wherein each payee corresponds to one escrow contract; The second processing module is used to perform fund processing operations according to the custody contract.

10. A transaction data processing device, characterized in that: include: at least one processor; as well as a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform the transaction data processing method according to any one of claims 1 to 8.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the transaction data processing method according to any one of claims 1 to 8.

12. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the transaction data processing method according to any one of claims 1 to 8 is implemented.

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