Fund transaction guarantee method and device, equipment and storage medium

Abstract

The invention discloses a fund transaction guarantee method, device and equipment and a storage medium, and the method comprises the steps: obtaining fund transaction data according to a fund transaction request when a first system receives the fund transaction request; synchronizing the fund transaction data to a second system, and performing cross check on corresponding target fund transaction data and fund transaction data in the second system to obtain a cross check result; and setting the target fund transaction data to be in a non-payment state, and returning the cross check result to the first system, so that the first system performs fund transaction according to the cross check result. The fund transaction data of the first system is synchronized to the second system, the corresponding target fund transaction data and the fund transaction data in the second system are subjected to cross check, and after the cross check result is obtained, the target fund transaction data of the second system is set to be in the unpayable state, so that compared with the prior art, the method and the device have the advantages that the cost is reduced; and the security of fund transaction during migration of the financial settlement system is ensured.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a method, device, equipment and storage medium for securing fund transactions. Background Art

[0002] When migrating a financial settlement system, in addition to ensuring the stability and reliability of the system during the migration, the most important thing is to ensure the uniqueness of fund transactions. During the migration process, the existing technology usually only ensures the consistency of the data, and does not verify the transaction data to ensure the uniqueness of fund transactions. Therefore, there may be major security risks of duplicate transactions. After the migration, it generally only supports single-track operation, and dual-track operation will have certain risks. At the same time, the cost of rollback is huge, and it is impossible to respond in time when problems arise. After the rollback, no relevant transaction checks are performed, and it is impossible to avoid duplicate transactions, which poses a huge security risk.

[0003] Therefore, there is an urgent need for a fund transaction protection method that can ensure the security of fund transactions when the financial settlement system is migrated. Summary of the invention

[0004] The main purpose of the present invention is to provide a method, device, equipment and storage medium for securing fund transactions, aiming to solve the technical problem in the prior art that the security of fund transactions is not guaranteed when the financial settlement system is migrated.

[0005] To achieve the above object, the present invention provides a method for securing fund transactions, the method comprising:

[0006] When the first system receives a fund transaction request, acquiring fund transaction data according to the fund transaction request, the first system being a system to be migrated or a target system;

[0007] Synchronizing the fund transaction data to a second system, and cross-checking the corresponding target fund transaction data in the second system with the fund transaction data to obtain a cross-check result, where the second system is a system to be migrated or a target system;

[0008] The target fund transaction data is set to an unpayable state, and the cross-check result is returned to the first system, so that the first system performs fund transactions according to the cross-check result.

[0009] Optionally, the step of synchronizing the fund transaction data to a second system, and cross-checking the corresponding target fund transaction data in the second system with the fund transaction data to obtain a cross-check result includes:

[0010] Extracting the fund transaction data to obtain key fields corresponding to the fund transaction data, and synchronizing the key fields corresponding to the fund transaction data to the second system;

[0011] Determining target fund transaction data corresponding to the fund transaction data in the second system, and extracting data from the target fund transaction data to obtain key fields corresponding to the target fund transaction data;

[0012] The key fields corresponding to the fund transaction data are compared with the key fields corresponding to the target fund transaction data to obtain a cross-check result.

[0013] Optionally, when the first system receives the fund transaction request, before the step of acquiring the fund transaction data according to the fund transaction request, the method further includes:

[0014] When the first system and the second system are in a flow controllable switching stage and the first system receives data to be processed from an upstream system, determining the system environment of the first system and the second system;

[0015] Determining a corresponding data synchronization method according to the system environment of the first system and the second system;

[0016] When the first system triggers batch switching, the second system obtains the batch switching result through the data synchronization method to achieve data synchronization between the first system and the second system.

[0017] Optionally, when the first system triggers batch switching, after the step of the second system acquiring the batch switching result by the data synchronization method, the method further includes:

[0018] After the first system and the second system achieve data synchronization, the data to be processed by the first system and the data to be processed by the second system are respectively summarized;

[0019] Performing data verification on the aggregated data to be processed in the first system and the second system respectively to obtain data verification results;

[0020] If the data verification result indicates that the data are consistent, determining the system label of each transaction record in the aggregated data to be processed by the first system;

[0021] The fund transaction requests in the aggregated data to be processed are distributed to the second system according to the system tag.

[0022] Optionally, the method further includes:

[0023] When the system to be migrated and the target system are in a full-flow switching state and a system failure occurs in the target system, obtaining a user switching instruction;

[0024] According to the user switching instruction, the current batch data of the target system is switched to the system to be migrated;

[0025] By using the cross-check technology, the fund transaction data of the current batch of data in the system to be migrated is checked to obtain the check result, and the fund transaction is performed based on the check result.

[0026] Optionally, after the step of setting the target fund transaction data to an unpayable state and returning the cross-check result to the first system, the method further includes:

[0027] If the cross-check result indicates that the fund transaction data meets the requirements, the fund transaction is performed according to the cross-check result;

[0028] Check the accounts for fund transactions. If the check result is correct, check the zero of the head office fund account;

[0029] If the verification is successful, it means that the fund transaction is processed without any fault.

[0030] Optionally, after the step of checking the account for fund transaction and performing zero verification operation on the head office fund account if the verification result is correct, the method further includes:

[0031] Obtain user information and transaction flow data for fund transactions, and obtain transaction feature sequences of all transactions of the user in chronological order;

[0032] Obtaining a target feature vector of the user according to the transaction feature sequence and the user information;

[0033] Anomaly detection is performed on the target feature vector to obtain an anomaly detection result.

[0034] In addition, to achieve the above-mentioned purpose, the present invention also proposes a fund transaction security device, the device comprising:

[0035] A data acquisition module, configured to acquire fund transaction data according to a fund transaction request when a first system receives the fund transaction request, wherein the first system is a system to be migrated or a target system;

[0036] A cross-check module, used for synchronizing the fund transaction data to a second system, and cross-checking the corresponding target fund transaction data in the second system with the fund transaction data to obtain a cross-check result, wherein the second system is a system to be migrated or a target system;

[0037] The fund transaction module is used to set the target fund transaction data to an unpayable state and return the cross-check result to the first system, so that the first system performs fund transactions according to the cross-check result.

[0038] In addition, to achieve the above-mentioned purpose, the present invention also proposes a fund transaction security device, which includes: a memory, a processor, and a fund transaction security program stored in the memory and executable on the processor, and the fund transaction security program is configured to implement the steps of the fund transaction security method described above.

[0039] In addition, to achieve the above-mentioned purpose, the present invention also proposes a storage medium, on which a fund transaction guarantee program is stored, and when the fund transaction guarantee program is executed by a processor, the steps of the fund transaction guarantee method described above are implemented.

[0040] The present invention discloses a method for securing fund transactions, the method comprising: when a first system receives a fund transaction request, obtaining fund transaction data according to the fund transaction request, the first system being a system to be migrated or a target system; synchronizing the fund transaction data to a second system, and cross-checking the corresponding target fund transaction data in the second system with the fund transaction data to obtain a cross-check result, the second system being a system to be migrated or a target system; setting the target fund transaction data to an unpayable state, and returning the cross-check result to the first system, so that the first system performs fund transactions according to the cross-check result. Since the present invention synchronizes the fund transaction data of the first system to the second system, and cross-checks the corresponding target fund transaction data and the fund transaction data in the second system, after obtaining the cross-check result, the target fund transaction data of the second system is set to an unpayable state, compared with the prior art, the present invention ensures the security of fund transactions during the migration of a financial settlement system. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] Figure 1 This is a flow chart of the first embodiment of the fund transaction security method of the present invention;

[0042] Figure 2 A schematic diagram of a data migration scenario of a financial settlement system in the fund transaction security method of the present invention;

[0043] Figure 3 A schematic diagram of a process flow of cross-checking transaction data in the fund transaction security method of the present invention;

[0044] Figure 4 This is a flow chart of a second embodiment of the fund transaction security method of the present invention;

[0045] Figure 5It is a flow chart of the cross-checking process in the flow controllable switching phase of the migration process in the fund transaction security method of the present invention;

[0046] Figure 6 A schematic diagram of the flow chart of the third embodiment of the fund transaction security method of the present invention;

[0047] Figure 7 It is a flow chart of the cross-checking process in the full flow switching stage of the migration process in the fund transaction security method of the present invention;

[0048] Figure 8 This is a structural block diagram of the first embodiment of the fund transaction security device of the present invention;

[0049] Fig. 9 It is a structural diagram of a fund transaction security device in a hardware operating environment involved in an embodiment of the present invention.

[0050] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0051] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0052] The embodiment of the present invention provides a method for securing fund transactions, referring to Figure 1 , Figure 1 It is a flowchart of the first embodiment of the fund transaction security method of the present invention.

[0053] In this embodiment, the fund transaction security method includes steps S10 to S30:

[0054] Step S10: when a first system receives a fund transaction request, fund transaction data is acquired according to the fund transaction request, and the first system is a system to be migrated or a target system.

[0055] It should be noted that the execution subject of this embodiment can be a computer server device with data processing, network communication and program running functions, such as a server, a tablet computer, a personal computer, etc., or an electronic device capable of realizing the above functions, a fund transaction security device, etc. The following takes the fund transaction security device as an example to illustrate this embodiment and the following embodiments.

[0056] In order to ensure the synchronous calling of the new and old systems (i.e., the system to be migrated and the target system) to achieve the purpose of mutual data verification, this embodiment can break through the data barriers between the new and old systems through the microservice center. For example, Figure 2 , Figure 2The schematic diagram of the data migration scenario of the financial settlement system in the fund transaction guarantee method of the present invention. In the figure, system A represents the new system, i.e. the target system; system B represents the old system, i.e. the system to be migrated. Upstream system: the application of each upstream business system, as the data source of the financial settlement system, the financial settlement system provides functions such as financial settlement information query, transaction data aggregation, and purchase and redemption transaction processing for each upstream business system; Downstream payment system: different transaction types are processed by different payment systems; New database: the database used by the system after migration (i.e. the target system); Old database: the database used by the system to be migrated (i.e. the system to be migrated); Both the new system and the old system can enter the corresponding financial settlement system through the front-end entrance; The data barrier between the new and old systems is opened up through the microservice center to ensure the synchronous calling of the new and old systems to achieve the purpose of mutual data verification; At the same time, when the new system fails, the transaction can be quickly rolled back to the old system for processing.

[0057] It should be noted that in order to clarify the system to which each fund transaction data belongs, each fund transaction data can be marked through dynamic configuration to obtain the transaction system mark, and then the current data of the new and old systems can be switched synchronously by maintaining the transaction system mark. Finally, through cross-checking, the timeliness of the system during the migration is guaranteed while the uniqueness of the data in the business is guaranteed.

[0058] Step S20: Synchronize the fund transaction data to the second system, and cross-check the corresponding target fund transaction data in the second system with the fund transaction data to obtain a cross-check result, where the second system is the system to be migrated or the target system.

[0059] It should be understood that if the first system is the system to be migrated, the second system is the target system; correspondingly, if the first system is the target system, the second system is the system to be migrated.

[0060] It is understandable that the fact that the first system and the second system can perform a cross-check beforehand indicates that data synchronization is achieved between the first system and the second system, and that a cross-check is only effective on this basis.

[0061] Furthermore, in order to reduce the possibility of inconsistency in transaction serial numbers during cross-checking, key fields in the fund transaction data may be selected for verification.

[0062] In a specific implementation, data extraction can be performed on the funds transaction data to obtain key fields corresponding to the funds transaction data, and the key fields corresponding to the funds transaction data can be synchronized to the second system; the target funds transaction data corresponding to the funds transaction data in the second system can be determined, and data extraction can be performed on the target funds transaction data to obtain key fields corresponding to the target funds transaction data; the key fields corresponding to the funds transaction data can be compared with the key fields corresponding to the target funds transaction data to obtain a cross-check result.

[0063] It should be explained that the above-mentioned key fields may include the account number, account name, opening bank, transaction amount, fund type, fund direction and payment tag of the payee and payee.

[0064] Step S30: setting the target fund transaction data to an unpayable state, and returning the cross-check result to the first system, so that the first system performs fund transactions according to the cross-check result.

[0065] In order to further ensure the security of fund transactions, after step S30, it also includes: if the cross-check result indicates that the fund transaction data meets the requirements, the fund transaction is carried out according to the cross-check result; the account for the fund transaction is checked, and if the check result is correct, the head office fund account is verified to be zero; if the verification is successful, it indicates that there is no fault in the fund transaction processing.

[0066] In order to prevent abnormal transaction behavior and detect financial transaction data, the above-mentioned account for financial transaction is checked. If the check result is correct, the account balance is zeroed. The method also includes: obtaining user information and transaction flow data for financial transaction, obtaining transaction feature sequence of all transactions of the user in chronological order; obtaining the target feature vector of the user according to the transaction feature sequence and user information; and performing anomaly detection on the target feature vector through a preset anomaly detection model to obtain anomaly detection result.

[0067] It should be noted that the preset anomaly detection model may be a data analysis model including a long short-term memory neural network, which is not limited in this embodiment.

[0068] For example, refer to Figure 3 , Figure 3The present invention is a schematic flow diagram of cross-checking transaction data in the method for guaranteeing fund transactions. In the figure, a single piece of data (fund transaction data) is read in the first system (system A / system B), and then the key field extraction is performed on the single piece of data, and then the target data (target fund transaction data) corresponding to the above single piece of data is read in the second system (system A / system B), and the key field extraction is performed on the target data, and then the key field extracted by the first system is compared with the key field extracted by the second system, and the inspection result (cross-check result) is obtained, and then the fund transaction data is checked for payment and receipt marks, and it is determined whether the fund transaction data corresponds to collection or payment, and the target fund transaction data is set to the current record as an unpayable state under the second system, and then the inspection result is returned to the first system, and it is judged in the first system whether the inspection is passed; if it is passed (Y), fund collection and payment (i.e., fund transaction) is performed; if it is not passed (N), an abnormal notification is generated.

[0069] This embodiment discloses that when a first system receives a fund transaction request, fund transaction data is obtained according to the fund transaction request, and the first system is a system to be migrated or a target system; the fund transaction data is synchronized to a second system, and the corresponding target fund transaction data in the second system and the fund transaction data are cross-checked to obtain a cross-check result, and the second system is a system to be migrated or a target system; the target fund transaction data is set to an unpayable state, and the cross-check result is returned to the first system, so that the first system performs fund transactions according to the cross-check result. Since this embodiment synchronizes the fund transaction data of the first system to the second system, and cross-checks the corresponding target fund transaction data and the fund transaction data in the second system, after obtaining the cross-check result, the target fund transaction data of the second system is set to an unpayable state, compared with the prior art, this embodiment ensures the security of fund transactions when the financial settlement system is migrated.

[0070] refer to Figure 4 , Figure 4 It is a flowchart of the second embodiment of the fund transaction security method of the present invention.

[0071] Based on the first embodiment described above, in this embodiment, before step S10, steps S01 to S03 are further included:

[0072] Step S01: when the first system and the second system are in a flow controllable switching stage and the first system receives data to be processed from an upstream system, determining the system environment of the first system and the second system.

[0073] Step S02: Determine a corresponding data synchronization method according to the system environment of the first system and the second system.

[0074] Step S03: when the first system triggers batch switching, the second system obtains the batch switching result through the data synchronization method to achieve data synchronization between the first system and the second system.

[0075] It should be noted that when the first system and the second system are in the flow-controllable switching stage, the first system and the second system are running on dual tracks, and any party that receives the pending data from the upstream system will synchronize the pending data to the other party. Due to different system environments, different implementation methods are adopted. The new system (i.e., the target system) will synchronize the received pending data to the old system (i.e., the system to be migrated) in real time, and the old system will notify the new system to pull the data after receiving the pending data and processing it. In order to ensure the uniqueness of the business, at this stage, batch switching is only triggered on one side, and the other side obtains the batch switching results through data synchronization.

[0076] Furthermore, in order to ensure the consistency of data between the target system and the system to be migrated after data synchronization, the new and old systems can be checked and compared at the same time during data verification. When inconsistency occurs, the system will issue an alarm.

[0077] In a specific implementation, after step S03, it also includes: after the first system and the second system achieve data synchronization, the first system and the second system's to-be-processed data are respectively aggregated; the aggregated to-be-processed data are respectively verified in the first system and the second system to obtain data verification results; if the data verification results indicate that the data are consistent, the first system is determined according to the system tag of each transaction record in the aggregated to-be-processed data; and the fund transaction requests in the aggregated to-be-processed data are distributed to the second system according to the system tags, so that the second system performs fund transaction processing.

[0078] In order to ensure the uniqueness of fund collection and payment, real-time cross-checking can be performed. Before making fund collection and payment, the same record in the other party's system is pulled for status judgment and key field comparison. Only when the conditions are met can the collection and payment operation be performed. Finally, the account of the fund transaction is checked. When the balance is zero, it means that the current batch processing is fault-free.

[0079] It is understandable that during the migration process between the target system and the system to be migrated, multi-granularity control of traffic can be performed through dynamic configuration, and the traffic can be gradually tilted toward the target system.

[0080] For example, refer to Figure 5 , Figure 5The present invention is a schematic flow diagram of the cross-check in the flow controllable switching stage of the migration process in the fund transaction guarantee method. In the figure, system A represents the target system, and system B represents the system to be migrated. After receiving the transaction data (i.e., fund transaction data), system A determines whether the data is synchronized; if (Y), the transaction data is synchronized to the system to be migrated in real time; then system A and system B perform data aggregation and data verification in turn. After the data verification, the processing request of the transaction data can be distributed to system B for processing according to the system tag of the transaction data, and then it is determined between system A and system B whether to perform a cross-check (the cross-check can be before receiving or paying, pulling the same record of the other party's system for status judgment and key field comparison, and the payment and collection operation can be performed only after the conditions are met). If yes, a data processing cross-check is performed, if not, fund collection and payment are performed, and finally the account of the fund transaction is checked. When the balance is zero, it means that the current batch processing is fault-free.

[0081] This embodiment discloses that when the first system and the second system are in the flow controllable switching stage and the first system receives the to-be-processed data of the upstream system, the system environment of the first system and the second system is determined; according to the system environment of the first system and the second system, the corresponding data synchronization method is determined; when the first system triggers batch switching, the second system obtains the batch switching result through the data synchronization method to achieve data synchronization between the first system and the second system; after the first system and the second system achieve data synchronization, the to-be-processed data of the first system and the second system are respectively aggregated; the aggregated to-be-processed data are respectively verified in the first system and the second system to obtain the data verification result; if the data verification result indicates that the data is consistent, the system tag of each transaction record in the aggregated to-be-processed data is determined by the first system; and the fund transaction request in the aggregated to-be-processed data is distributed to the second system according to the system tag. Compared with the prior art, when the new and old systems process the business in parallel, this embodiment ensures the smooth transition of the business in the migration stage while ensuring the uniqueness of the fund transaction.

[0082] refer to Figure 6 , Figure 6 It is a flowchart of the third embodiment of the fund transaction security method of the present invention.

[0083] Based on the above embodiments, in this embodiment, the method further includes steps S40 to S60:

[0084] Step S40: when the system to be migrated and the target system are in a full-flow switching state and a system failure occurs in the target system, a user switching instruction is obtained.

[0085] Step S50: according to the user switching instruction, the current batch data of the target system is switched to the system to be migrated.

[0086] Step S60: using a cross-checking technique, detecting the fund transaction data of the current batch of data in the system to be migrated, obtaining a check result, and performing fund transactions based on the check result.

[0087] It should be understood that when the system to be migrated and the target system are in a full traffic switching state, it means that all data and requests are migrated to the target system, but the system to be migrated still keeps running.

[0088] This embodiment illustrates that when the target system becomes unavailable, the current batch of data can be quickly switched to the system to be migrated for processing through manual synchronization, and then assisted by cross-checking technology, the real-time and reliability of the system can be guaranteed to the greatest extent.

[0089] For example, refer to Figure 7 , Figure 7 The present invention is a schematic flow diagram of the cross-checking effect on the full-flow switching stage of the migration process in the fund transaction guarantee method. In the figure, system A represents the target system, and system B represents the system to be migrated. After receiving the transaction data (i.e., fund transaction data), system A determines whether the data is synchronized; if (Y), the transaction data is synchronized to the system to be migrated in real time; then system A and system B perform data aggregation and data verification in turn, and after system A performs data verification, the transaction data is processed, and then the funds are collected and paid and it is determined whether system A is abnormal; if system A is abnormal (Y), the data is manually synchronized (a user switching instruction is issued), and then the current batch data of system A is switched to system B for processing, and the account balance of system A is checked to zero, and then the fund transaction data of the current batch data in system B is checked by cross-checking technology, and finally if the inspection result passes, system B is used to process the funds.

[0090] This embodiment discloses that when the system to be migrated and the target system are in a full-flow switching state and a system failure occurs in the target system, a user switching instruction is obtained; according to the user switching instruction, the current batch data of the target system is switched to the system to be migrated; using the cross-checking technology, the fund transaction data of the current batch data in the system to be migrated is detected, the inspection result is obtained, and the fund transaction is performed based on the inspection result. Compared with the prior art, this embodiment realizes that when the target system fails to be available, the current batch data can be quickly switched to the system to be migrated for processing by manual synchronization, and then assisted by the cross-checking technology, the real-time and reliability of the system can be further guaranteed.

[0091] In addition, an embodiment of the present invention further proposes a storage medium, on which a fund transaction guarantee program is stored. When the fund transaction guarantee program is executed by a processor, the steps of the fund transaction guarantee method described above are implemented.

[0092] Reference Figure 8 , Figure 8 It is a structural block diagram of the first embodiment of the fund transaction security device of the present invention.

[0093] like Figure 8 As shown, the fund transaction security device proposed in the embodiment of the present invention includes: a data acquisition module 801, a cross-check module 802 and a fund transaction module 803.

[0094] The data acquisition module 801 is used to acquire fund transaction data according to the fund transaction request when the first system receives the fund transaction request, and the first system is the system to be migrated or the target system.

[0095] The cross-check module 802 is used to synchronize the fund transaction data to the second system, and cross-check the corresponding target fund transaction data in the second system with the fund transaction data to obtain a cross-check result, and the second system is the system to be migrated or the target system.

[0096] The fund transaction module 803 is used to set the target fund transaction data to an unpayable state and return the cross-check result to the first system, so that the first system performs fund transactions according to the cross-check result.

[0097] The cross-check module 802 is also used to extract data from the fund transaction data to obtain key fields corresponding to the fund transaction data, and synchronize the key fields corresponding to the fund transaction data to the second system; determine the target fund transaction data corresponding to the fund transaction data in the second system, and extract data from the target fund transaction data to obtain key fields corresponding to the target fund transaction data; compare the key fields corresponding to the fund transaction data with the key fields corresponding to the target fund transaction data to obtain a cross-check result.

[0098] The fund transaction module 803 is also used to perform fund transactions according to the cross-check result if the cross-check result indicates that the fund transaction data meets the requirements; to check the account for the fund transaction, and if the check result is correct, to perform a zero verification operation on the head office fund account; if the zero verification is successful, it indicates that there is no fault in the fund transaction processing.

[0099] The fund transaction module 803 is also used to obtain user information and transaction flow data for fund transactions, obtain a transaction feature sequence of all transactions of the user in chronological order; obtain a target feature vector of the user based on the transaction feature sequence and user information; and perform anomaly detection on the target feature vector to obtain anomaly detection results.

[0100] The embodiment of the present device discloses that when a first system receives a fund transaction request, fund transaction data is obtained according to the fund transaction request, and the first system is a system to be migrated or a target system; the fund transaction data is synchronized to a second system, and the corresponding target fund transaction data in the second system and the fund transaction data are cross-checked to obtain a cross-check result, and the second system is a system to be migrated or a target system; the target fund transaction data is set to an unpayable state, and the cross-check result is returned to the first system, so that the first system performs fund transactions according to the cross-check result. Since the embodiment of the present device synchronizes the fund transaction data of the first system to the second system, and cross-checks the corresponding target fund transaction data and the fund transaction data in the second system, after obtaining the cross-check result, the target fund transaction data of the second system is set to an unpayable state, compared with the prior art, the embodiment of the present device ensures the security of fund transactions when the financial settlement system is migrated.

[0101] Based on the first embodiment of the fund transaction security device of the present invention, a second embodiment of the fund transaction security device of the present invention is proposed.

[0102] In this embodiment, the data acquisition module 801 is also used to determine the system environment of the first system and the second system when the first system and the second system are in a flow-controllable switching stage and the first system receives data to be processed from an upstream system; determine the corresponding data synchronization method according to the system environment of the first system and the second system; when the first system triggers batch switching, the second system obtains the batch switching result through the data synchronization method to achieve data synchronization between the first system and the second system.

[0103] The data acquisition module 801 is also used to summarize the to-be-processed data of the first system and the second system respectively after the first system and the second system achieve data synchronization; perform data verification on the summarized to-be-processed data in the first system and the second system respectively to obtain data verification results; if the data verification results indicate that the data are consistent, determine the system tag of each transaction record in the summarized to-be-processed data in the first system; and distribute the fund transaction requests in the summarized to-be-processed data to the second system according to the system tags.

[0104] Other embodiments or specific implementations of the fund transaction security device of the present invention can refer to the above-mentioned method embodiments and will not be described in detail here.

[0105] The present application provides a fund transaction security device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the fund transaction security method in the above-mentioned embodiment one.

[0106] Reference below Fig. 9 , which shows a schematic diagram of the structure of a fund transaction security device suitable for implementing the embodiment of the present application. The fund transaction security device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Fig. 9 The fund transaction security device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0107] like Fig. 9As shown, the fund transaction security device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the fund transaction security device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the fund transaction security device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a fund transaction security device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or provided instead.

[0108] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0109] The fund transaction security device provided by the present application adopts the fund transaction security method in the above embodiment, which can solve the technical problem of the lack of security of fund transactions when the financial settlement system is migrated in the prior art. Compared with the prior art, the beneficial effects of the fund transaction security device provided by the present application are the same as the beneficial effects of the fund transaction security method provided by the above embodiment, and the other technical features in the fund transaction security device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0110] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0111] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0112] It should be noted that, in this article, the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or system including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or system. In the absence of further restrictions, an element defined by the sentence "comprises a ..." does not exclude the existence of other identical elements in the process, method, article or system including the element.

[0113] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages or disadvantages of the embodiments.

[0114] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as a read-only memory / random access memory, a magnetic disk, or an optical disk), and includes a number of instructions for enabling a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the methods described in each embodiment of the present invention.

[0115] The above are only preferred embodiments of the present invention, and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made using the contents of the present invention specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A method for securing fund transactions, characterized in that: The method comprises: When the first system receives a fund transaction request, acquiring fund transaction data according to the fund transaction request, the first system being a system to be migrated or a target system; Synchronizing the fund transaction data to a second system, and cross-checking the corresponding target fund transaction data in the second system with the fund transaction data to obtain a cross-check result, where the second system is a system to be migrated or a target system; The target fund transaction data is set to an unpayable state, and the cross-check result is returned to the first system, so that the first system performs fund transactions according to the cross-check result.

2. The method for securing fund transactions according to claim 1, characterized in that: The step of synchronizing the fund transaction data to the second system, and cross-checking the corresponding target fund transaction data in the second system with the fund transaction data to obtain a cross-check result includes: Extracting the fund transaction data to obtain key fields corresponding to the fund transaction data, and synchronizing the key fields corresponding to the fund transaction data to the second system; Determining target fund transaction data corresponding to the fund transaction data in the second system, and extracting data from the target fund transaction data to obtain key fields corresponding to the target fund transaction data; The key fields corresponding to the fund transaction data are compared with the key fields corresponding to the target fund transaction data to obtain a cross-check result.

3. The method for securing fund transactions according to claim 1, wherein: When the first system receives the fund transaction request, before the step of acquiring the fund transaction data according to the fund transaction request, the step further includes: When the first system and the second system are in a flow controllable switching stage and the first system receives data to be processed from an upstream system, determining the system environment of the first system and the second system; Determining a corresponding data synchronization method according to the system environment of the first system and the second system; When the first system triggers batch switching, the second system obtains the batch switching result through the data synchronization method to achieve data synchronization between the first system and the second system.

4. The fund transaction security method according to claim 3, characterized in that: After the step of the second system acquiring the batch switching result by the data synchronization method when the first system triggers the batch switching, the method further includes: After the first system and the second system achieve data synchronization, the data to be processed by the first system and the data to be processed by the second system are respectively summarized; Performing data verification on the aggregated data to be processed in the first system and the second system respectively to obtain data verification results; If the data verification result indicates that the data are consistent, determining the system label of each transaction record in the aggregated data to be processed by the first system; The fund transaction requests in the aggregated data to be processed are distributed to the second system according to the system tag.

5. The method for securing fund transactions according to claim 1, wherein: The method further comprises: When the system to be migrated and the target system are in a full-flow switching state and a system failure occurs in the target system, obtaining a user switching instruction; According to the user switching instruction, the current batch data of the target system is switched to the system to be migrated; By using the cross-check technology, the fund transaction data of the current batch of data in the system to be migrated is checked to obtain the check result, and the fund transaction is performed based on the check result.

6. The method for securing fund transactions according to claim 1, wherein: After the step of setting the target fund transaction data to an unpayable state and returning the cross-check result to the first system, the method further includes: If the cross-check result indicates that the fund transaction data meets the requirements, the fund transaction is performed according to the cross-check result; Check the accounts for fund transactions. If the check result is correct, check the zero of the head office fund account; If the verification is successful, it means that the fund transaction is processed without any fault.

7. The method for securing fund transactions according to claim 6, wherein: The step of checking the account for fund transaction and performing zero verification on the head office fund account if the verification result is correct also includes: Obtain user information and transaction flow data for fund transactions, and obtain transaction feature sequences of all transactions of the user in chronological order; Obtaining a target feature vector of the user according to the transaction feature sequence and the user information; Anomaly detection is performed on the target feature vector to obtain an anomaly detection result.

8. A fund transaction security device, characterized in that: The device comprises: A data acquisition module, configured to acquire fund transaction data according to a fund transaction request when a first system receives the fund transaction request, wherein the first system is a system to be migrated or a target system; A cross-check module, used for synchronizing the fund transaction data to a second system, and cross-checking the corresponding target fund transaction data in the second system with the fund transaction data to obtain a cross-check result, wherein the second system is a system to be migrated or a target system; The fund transaction module is used to set the target fund transaction data to an unpayable state and return the cross-check result to the first system, so that the first system performs fund transactions according to the cross-check result.

9. A fund transaction security device, characterized in that: The device comprises: a memory, a processor, and a fund transaction guarantee program stored in the memory and executable on the processor, wherein the fund transaction guarantee program is configured to implement the steps of the fund transaction guarantee method according to any one of claims 1 to 7.

10. A storage medium, characterized in that: The storage medium stores a fund transaction guarantee program, and when the fund transaction guarantee program is executed by the processor, the steps of the fund transaction guarantee method according to any one of claims 1 to 7 are implemented.

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