Transaction processing method and device, electronic equipment and storage medium

Abstract

The invention provides a transaction processing method and device, electronic equipment and a storage medium, and the method comprises the steps: obtaining first description information of a first payment transaction, obtaining an initial account checking rule, and obtaining a to-be-processed transaction under the condition that a payment completion message of the first payment transaction of a user is received, each to-be-processed transaction has corresponding second description information, determining a target transaction corresponding to the first payment transaction according to the initial reconciliation rule, the first description information and the multiple pieces of second description information, and settling the target transaction based on the payment amount of the first payment transaction, thereby supporting the user to complete the payment offline, and improving the payment efficiency. The target transaction corresponding to the payment of the user is accurately matched, and the transaction can be automatically completed in time, so that the transaction processing efficiency can be effectively improved.

Description

Technical Field

[0001] The present disclosure relates to the field of data processing technology, and in particular to a transaction processing method, device, electronic device and storage medium. Background Art

[0002] The current offline insurance transaction (corporate, foreign-related, etc.) processing requires operators to manually find the insurance products to be paid, then retrieve the funds arrival information of the customer's offline transfer or other methods to the company's physical account, establish the association between the product and the funds arrival information, record the transaction ledger and make accounting entries. Due to the differences in the services provided by third-party service providers such as payment channels, the offline arrival time is unclear, and the company's account is a unified and centralized account. The arrival flow cannot distinguish between businesses. The operator needs to repeatedly confirm the arrival of funds before processing. Summary of the invention

[0003] The present disclosure proposes a transaction processing method, device, electronic device, storage medium and computer program product, which aim to solve the technical problems in the related technologies at least to a certain extent.

[0004] The first aspect of the present disclosure proposes a transaction processing method, which includes: upon receiving a payment completion message of a user's first payment transaction, obtaining first description information of the first payment transaction; obtaining initial reconciliation rules; obtaining pending transactions, wherein each pending transaction has corresponding second description information; determining a target transaction corresponding to the first payment transaction based on the initial reconciliation rules, the first description information and multiple second description information; and settling the target transaction based on the payment amount of the first payment transaction.

[0005] The second aspect embodiment of the present disclosure proposes a transaction processing device, which includes: a first acquisition module, used to obtain first description information of the first payment transaction upon receiving a payment completion message of the user's first payment transaction; a second acquisition module, used to obtain initial reconciliation rules; a third acquisition module, used to obtain pending transactions, wherein each pending transaction has corresponding second description information; a determination module, used to determine a target transaction corresponding to the first payment transaction based on the initial reconciliation rules, the first description information and multiple second description information; a processing module, used to settle the target transaction based on the payment amount of the first payment transaction.

[0006] The third aspect embodiment of the present disclosure proposes an electronic device, comprising: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to execute instructions to implement a transaction processing method as the first aspect embodiment of the present disclosure.

[0007] The fourth aspect embodiment of the present disclosure proposes a computer-readable storage medium. When instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device can implement a transaction processing method as in the first aspect embodiment of the present disclosure.

[0008] The fifth aspect embodiment of the present disclosure proposes a computer program product, including a computer program, characterized in that the computer program is executed by a processor as the transaction processing method of the first aspect embodiment of the present disclosure.

[0009] The transaction processing method, device, electronic device, storage medium and computer program product proposed in this embodiment have at least the following beneficial effects: by obtaining the first description information of the first payment transaction, obtaining the initial reconciliation rules, and obtaining the pending transactions upon receiving the payment completion message of the user's first payment transaction, wherein each pending transaction has corresponding second description information, determining the target transaction corresponding to the first payment transaction according to the initial reconciliation rules, the first description information and the multiple second description information, and settling the target transaction based on the payment amount of the first payment transaction, thereby supporting the user to accurately match the target transaction corresponding to the user's current payment after completing the payment offline, and being able to automatically and timely complete the transaction, thereby effectively improving the transaction processing efficiency.

[0010] Additional aspects and advantages of the present disclosure will be given in part in the following description and in part will be obvious from the following description or learned through practice of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] The above and / or additional aspects and advantages of the present disclosure will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0012] Figure 1 is a flowchart of a transaction processing method according to the first embodiment of the present disclosure;

[0013] Figure 2 is a flowchart of a transaction processing method according to a second embodiment of the present disclosure;

[0014] Figure 3 is a block diagram of a transaction processing device according to the present disclosure;

[0015] Figure 4 A block diagram of an exemplary electronic device suitable for implementing embodiments of the present disclosure is shown. DETAILED DESCRIPTION

[0016] Embodiments of the present disclosure are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present disclosure, and are not to be construed as limitations of the present disclosure. On the contrary, the embodiments of the present disclosure include all changes, modifications, and equivalents that fall within the spirit and connotation of the appended claims.

[0017] It should be noted that the execution subject of the transaction processing method of this embodiment may be a first server, and the first server may be configured in an electronic device, and the electronic device may include but is not limited to a terminal, a server, and the like.

[0018] It should be noted that the process of obtaining, storing, using, and processing information in the disclosed technical solution complies with the relevant provisions of national laws and regulations and does not violate public order and good morals.

[0019] It should be noted that in the embodiments of the present application, there may be existing solutions in the industry such as certain software, components, models, etc., which 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 relevant content of the solution.

[0020] Figure 1 is a flow chart of a transaction processing method according to the first embodiment of the present disclosure, such as Figure 1 As shown, the method includes:

[0021] S101: Upon receiving a payment completion message of a first payment transaction of a user, first description information of the first payment transaction is obtained.

[0022] It is understandable that users usually conduct transactions based on public accounts and enterprises. However, due to the large transaction volume of public accounts, when a user completes a transaction payment to a public account offline, it is impossible to efficiently match the corresponding pending transactions based on the transaction payment and automatically complete the payment. Therefore, the transaction processing method proposed in the embodiment of the present disclosure can automatically match the transaction corresponding to the transaction payment from multiple pending transactions when a user completes a transaction payment to a public account offline, and complete the transaction automatically and in a timely manner.

[0023] Among them, the first payment transaction is a payment transaction initiated by the user offline to the public account.

[0024] Among them, the payment completion information is used to prompt the user that the payment is completed.

[0025] Among them, the first description information of the first payment transaction refers to information related to the first payment transaction. The first description information can be, for example, the payment amount, payment currency, payment user information, etc., and there is no limitation on this.

[0026] That is to say, in the embodiment of the present disclosure, upon receiving a payment completion message of a first payment transaction of a user, the first description information of the first payment transaction may be obtained.

[0027] S102: Obtaining initial reconciliation rules.

[0028] The initial reconciliation rule refers to a pre-set matching rule for determining a pending transaction corresponding to the first payment transaction from a plurality of pending transactions.

[0029] In the disclosed embodiment, the initial reconciliation rules can be adapted to the characteristics of the corresponding business field. Considering flexibility, the branch company can make customized settings from the perspectives of management, market business development, etc., and there is no restriction on this.

[0030] For example, taking the two major insurance business scenarios of underwriting and claims settlement as an example, the initial reconciliation rules may refer to the matching information that needs to be referenced when matching the pending transactions corresponding to the first payment transaction from multiple pending transactions. The matching information in the underwriting business scenario may be, for example: document type (application form, temporary approval form, insurance policy), lump sum payment and installment payment, or other auxiliary information (project code, external cooperation code, Internet code, group order number, business designated batch number, payment entity code, signing time, underwriting time, etc.), and there is no restriction on this.

[0031] Among them, the matching information in the claims business scenario can be, for example: document type (claim, expense calculation sheet, loss recovery document), or other auxiliary information (project code, claim verification time, payment entity code, policyholder, insured person, etc.), without any restrictions.

[0032] Among them, the matching information can also be, for example: transaction type (bank transfer transaction, prepaid premium, bill, etc.), transaction matching items (for example, physical account number, virtual sub-account, payee name, payee account number, remarks, arrival time, currency amount, reconciliation code, etc.) are not restricted.

[0033] Among them, the initial reconciliation rule may refer to the matching information that needs to be referred to when matching the pending transaction corresponding to the first payment transaction from multiple pending transactions. The matching information may also refer to the degree of matching. For example, a precise matching rule may be that when the amount in the document and the transaction statement is the same in currency, the type and number of the certificate corresponding to the insured person is consistent with the string in the specified field in the payment transaction statement, or is consistent with the string matched by the regular expression in the transaction statement notes. Alternatively, a more fuzzy matching rule may be that when the amount in the document and the transaction statement is the same in currency, the customer name in the document is consistent with the payee account name in the transaction statement, etc.

[0034] In the disclosed embodiment, a blacklist rule may also be set as a matching exception.

[0035] In the disclosed embodiments, for some special business scenarios, only the rule processing can be locked. In addition, special rules are also used to control the setting of priority principles when there are multiple matching relationships with the same rule. For example, in the inter-provincial joint insurance underwriting business, the scenario where the slave party collects the premium from the client on behalf of the principal party, the scope of the document is limited to ordinary premium types, and the corresponding bank flow payee account must be the principal party's company account; in the inter-provincial joint insurance claims business, the principal party amortizes the compensation paid by the slave party, and the scope of the document can only be the data of the compensation paid, and the remarks of the transfer flow are limited to the regular expression of "principal calculation book", which is not restricted.

[0036] S103: Obtain pending transactions, wherein each pending transaction has corresponding second description information.

[0037] Among them, pending transactions may refer to multiple pending payment transactions related to public accounts, and there is no restriction on this.

[0038] The second description information refers to information related to the pending transaction, and the information may be, for example, the transaction amount, transaction generation time, transaction user information, etc. of the pending transaction, without limitation.

[0039] S104: Determine a target transaction corresponding to the first payment transaction according to the initial reconciliation rule, the first description information, and the plurality of second description information.

[0040] In the disclosed embodiment, after obtaining the pending transaction, a target transaction matching the first payment transaction may be determined according to the initial reconciliation rule, the first description information and the plurality of second description information.

[0041] In the disclosed embodiment, each initial reconciliation rule has a corresponding rule type, and the rule type includes any one of the following: a first rule type, wherein the first rule type is used to indicate: matching transactions based on user information; a second rule type, wherein the second rule type is used to indicate: matching transactions based on transaction amounts.

[0042] Optionally, in some embodiments, the target transaction corresponding to the first payment transaction is determined based on the initial reconciliation rule, the first description information and multiple second description information. When the initial reconciliation rule is of the first rule type, the first user identifier in the first description information and the second user identifier in the second description information are compared. When the first user identifier and the second user identifier are the same, the pending transaction corresponding to the second user identifier is used as the target transaction.

[0043] That is to say, in the embodiment of the present disclosure, when the initial reconciliation rule is of the first rule type, the first user identifier in the first description information and the second user identifier in the second description information may be compared, and when the first user identifier and the second user identifier are the same, the pending transaction corresponding to the second user identifier is taken as the target transaction, thereby accurately determining the target transaction that matches the first payment transaction from multiple pending transactions.

[0044] Optionally, in some embodiments, the target transaction corresponding to the first payment transaction is determined based on the initial reconciliation rule, the first description information and multiple second description information. When the initial reconciliation rule is of the second rule type, the first transaction amount in the first description information and the second transaction amount in the second description information are compared. When the first transaction amount and the second transaction amount are the same, the pending transaction corresponding to the second transaction amount is used as the target transaction.

[0045] That is to say, in the embodiment of the present disclosure, when the initial reconciliation rule is of the second rule type, the first transaction amount in the first description information and the second transaction amount in the second description information may be compared. When the first transaction amount and the second transaction amount are the same, the pending transaction corresponding to the second transaction amount is taken as the target transaction. Thus, the target transaction matching the first payment transaction can be accurately determined from multiple pending transactions.

[0046] S105: Settle the target transaction based on the payment amount of the first payment transaction.

[0047] In the disclosed embodiment, after determining the target transaction corresponding to the first payment transaction according to the initial reconciliation rule, the first description information and the plurality of second description information, the target transaction may be settled based on the payment amount of the first payment transaction.

[0048] In the disclosed embodiment, after the target transaction is settled based on the payment amount of the first payment transaction, a transaction process ledger can be formed so that the transaction record can be queried in subsequent business scenarios.

[0049] In the disclosed embodiment, upon receiving a payment completion message of a user's first payment transaction, first description information of the first payment transaction is obtained, an initial reconciliation rule is obtained, and a pending transaction is obtained, wherein each pending transaction has corresponding second description information, and a target transaction corresponding to the first payment transaction is determined according to the initial reconciliation rule, the first description information, and a plurality of second description information, and the target transaction is settled based on the payment amount of the first payment transaction. This can support the user to accurately match the target transaction corresponding to the user's current payment after completing the payment offline, and can automatically complete the transaction in a timely manner, thereby effectively improving the transaction processing efficiency.

[0050] Figure 2 is a flow chart of a transaction processing method according to the second embodiment of the present disclosure, such as Figure 2 As shown, the method includes:

[0051] S201: Upon receiving a payment completion message of a first payment transaction of a user, obtaining first description information of the first payment transaction.

[0052] S202: Obtaining initial reconciliation rules.

[0053] S203: Obtain pending transactions, wherein each pending transaction has corresponding second description information.

[0054] The specific description of S201 - S203 can be found in the above embodiments, which will not be repeated here.

[0055] S204: Match the first description information with each second description information respectively according to the initial reconciliation rule to obtain a matching result.

[0056] In the disclosed embodiment, after obtaining the pending transaction, the first description information and each second description information may be respectively subjected to text matching according to the initial reconciliation rule to obtain a text matching result, or similarity matching processing may be performed to obtain a similarity matching result, and the aforementioned text matching result or similarity matching result may be used as the matching result.

[0057] S205: When there are multiple matching results, determine the transaction generation time of each matching transaction to be processed.

[0058] In the embodiment of the present disclosure, when there are multiple matching results that are all matches, the transaction generation time of the pending transactions corresponding to the matching matching results may be determined, and then, based on the transaction generation time, the target transaction may be determined from the pending transactions corresponding to the matching matching results.

[0059] S206: The pending transaction with the earliest transaction generation time among the matched multiple pending transactions is used as the target transaction.

[0060] In the disclosed embodiment, when there are multiple matching results, after determining the transaction generation time of each matched pending transaction, the pending transaction with the earliest transaction generation time among the multiple matched pending transactions can be used as the target transaction. In this way, it can be ensured that payment is given priority to the pending transactions with earlier times, thereby avoiding transaction timeouts and ensuring that the pending transactions can be fulfilled in a timely manner.

[0061] S207: Settle the target transaction based on the payment amount of the first payment transaction.

[0062] The specific description of S207 can be found in the above embodiment, which will not be repeated here.

[0063] In the embodiment of the present disclosure, upon receiving a payment completion message of a user's first payment transaction, first description information of the first payment transaction is obtained, an initial reconciliation rule is obtained, and a pending transaction is obtained, wherein each pending transaction has corresponding second description information, and the first description information and each second description information are matched respectively according to the initial reconciliation rule to obtain a matching result, and when there are multiple matching results, the transaction generation time of each matched pending transaction is determined, and the pending transaction with the earliest transaction generation time among the multiple matched pending transactions is taken as the target transaction, thereby ensuring that pending transactions with an earlier time are paid first, thereby avoiding transaction overdue and ensuring that pending transactions can be fulfilled in a timely manner.

[0064] Figure 3 is a block diagram of a transaction processing device according to the present disclosure, such as Figure 3 As shown, the transaction processing device 30 includes:

[0065] A first acquisition module 301 is used to acquire first description information of the first payment transaction upon receiving a payment completion message of the first payment transaction of the user;

[0066] The second acquisition module 302 is used to acquire the initial reconciliation rule;

[0067] A third acquisition module 303 is used to acquire pending transactions, wherein each pending transaction has corresponding second description information;

[0068] A determination module 304, configured to determine a target transaction corresponding to the first payment transaction according to the initial reconciliation rule, the first description information and the plurality of second description information;

[0069] The processing module 305 is used to settle the target transaction based on the payment amount of the first payment transaction.

[0070] In some embodiments of the present disclosure, each initial reconciliation rule has a corresponding rule type, wherein the rule type includes any of the following:

[0071] A first rule type, wherein the first rule type is used to indicate: matching transactions based on user information;

[0072] The second rule type is used to indicate that transactions are matched based on transaction amounts.

[0073] In some embodiments of the present disclosure, the determination module 304 is further configured to:

[0074] When the initial reconciliation rule is of the first rule type, comparing the first user identifier in the first description information with the second user identifier in the second description information;

[0075] When the first user identifier and the second user identifier are the same, the to-be-processed transaction corresponding to the second user identifier is taken as the target transaction.

[0076] In some embodiments of the present disclosure, the determination module 304 is further configured to:

[0077] When the initial reconciliation rule is of the second rule type, comparing the first transaction amount in the first description information with the second transaction amount in the second description information;

[0078] When the first transaction amount and the second transaction amount are the same, the pending transaction corresponding to the second transaction amount is used as the target transaction.

[0079] In some embodiments of the present disclosure, the determination module 304 is further configured to:

[0080] According to the initial reconciliation rule, the first description information is matched with each second description information to obtain a matching result;

[0081] If there are multiple matching results, determine the transaction generation time of each matching pending transaction;

[0082] The pending transaction with the earliest transaction generation time among the matched multiple pending transactions is taken as the target transaction.

[0083] It should be noted that the above explanation of the transaction processing method is also applicable to the transaction processing device of this embodiment and will not be repeated here.

[0084] In the disclosed embodiment, upon receiving a payment completion message of a user's first payment transaction, first description information of the first payment transaction is obtained, an initial reconciliation rule is obtained, and a pending transaction is obtained, wherein each pending transaction has corresponding second description information, and a target transaction corresponding to the first payment transaction is determined according to the initial reconciliation rule, the first description information, and a plurality of second description information, and the target transaction is settled based on the payment amount of the first payment transaction. This can support the user to accurately match the target transaction corresponding to the user's current payment after completing the payment offline, and can automatically complete the transaction in a timely manner, thereby effectively improving the transaction processing efficiency.

[0085] Figure 4 A block diagram of an exemplary electronic device suitable for implementing embodiments of the present disclosure is shown.

[0086] Figure 4 The electronic device 12 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.

[0087] like Figure 4 As shown, the electronic device 12 is in the form of a general purpose computing device. The components of the electronic device 12 may include, but are not limited to: one or more processors or processing units 16, a memory 28, and a bus 18 that connects various system components (including the memory 28 and the processing unit 16).

[0088] The bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor or a local bus using any of a variety of bus structures. For example, these architectures include but are not limited to Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus and Peripheral Component Interconnection (PCI) bus.

[0089] The electronic device 12 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the electronic device 12, including volatile and non-volatile media, removable and non-removable media.

[0090] The memory 28 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. The electronic device 12 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 34 may be used to read and write non-removable, non-volatile magnetic media ( Figure 4 Not shown, often called a "hard drive").

[0091] although Figure 4 Not shown in the figure, a disk drive for reading and writing a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing a removable non-volatile optical disk (e.g., a compact disc read only memory (hereinafter referred to as: CD-ROM), a digital versatile disc read only memory (hereinafter referred to as: DVD-ROM) or other optical media) may be provided. In these cases, each drive may be connected to the bus 18 via one or more data medium interfaces. The memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present disclosure.

[0092] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in the memory 28, such program modules 42 including but not limited to an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 42 generally perform the functions and / or methods of the embodiments described in the present disclosure.

[0093] The electronic device 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), may also communicate with one or more devices that enable the human body to interact with the electronic device 12, and / or communicate with any device that enables the electronic device 12 to communicate with one or more other computing devices (e.g., network card, modem, etc.). Such communication may be performed through an input / output (I / O) interface 22. In addition, the electronic device 12 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) through a network adapter 20. As shown, the network adapter 20 communicates with other modules of the electronic device 12 through a bus 18. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 12, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0094] The processing unit 16 executes various functional applications and parameter information determination by running the program stored in the memory 28, such as implementing the business data storage method mentioned in the above embodiment, or implementing the business data acquisition method mentioned in the above embodiment.

[0095] It should be noted that, in the description of the present disclosure, the terms "first", "second", etc. are only used for descriptive purposes and cannot be understood as indicating or implying relative importance. In addition, in the description of the present disclosure, unless otherwise specified, the meaning of "plurality" is two or more.

[0096] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, segment or portion of code that includes one or more executable instructions for implementing the steps of a specific logical function or process, and the scope of the preferred embodiments of the present disclosure includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in the reverse order depending on the functions involved, which should be understood by those skilled in the art to which the embodiments of the present disclosure belong.

[0097] It should be understood that the various parts of the present disclosure can be implemented in hardware, software, firmware or a combination thereof. In the above-mentioned embodiments, multiple steps or methods can be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0098] A person of ordinary skill in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0099] In addition, each functional unit in each embodiment of the present disclosure may be integrated into a processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of a software functional module. If the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it may also be stored in a computer-readable storage medium.

[0100] The storage medium mentioned above can be a read-only memory, a magnetic disk or an optical disk, etc.

[0101] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present disclosure. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0102] Although the embodiments of the present disclosure have been shown and described above, it is to be understood that the above embodiments are exemplary and are not to be construed as limitations of the present disclosure. A person skilled in the art may change, modify, replace and vary the above embodiments within the scope of the present disclosure.

Claims

1. A transaction processing method, characterized in that: The method comprises: Upon receiving a payment completion message of a first payment transaction of the user, obtaining first description information of the first payment transaction; Obtain initial reconciliation rules; Acquire pending transactions, wherein each pending transaction has corresponding second description information; Determining a target transaction corresponding to the first payment transaction according to the initial reconciliation rule, the first description information, and the plurality of the second description information; The target transaction is settled based on the payment amount of the first payment transaction.

2. The method according to claim 1, characterized in that Each of the initial reconciliation rules has a corresponding rule type, wherein the rule type includes any of the following: A first rule type, wherein the first rule type is used to indicate: matching transactions based on user information; A second rule type, wherein the second rule type is used to indicate: matching transactions based on transaction amounts.

3. The method according to claim 2, characterized in that The determining, according to the initial reconciliation rule, the first description information and the plurality of the second description information, a target transaction corresponding to the first payment transaction includes: When the initial reconciliation rule is of the first rule type, comparing the first user identifier in the first description information with the second user identifier in the second description information; When the first user identifier and the second user identifier are the same, the to-be-processed transaction corresponding to the second user identifier is used as the target transaction.

4. The method according to claim 2, characterized in that The determining, according to the initial reconciliation rule, the first description information and the plurality of the second description information, a target transaction corresponding to the first payment transaction includes: When the initial reconciliation rule is the second rule type, comparing the first transaction amount in the first description information with the second transaction amount in the second description information; When the first transaction amount is the same as the second transaction amount, the pending transaction corresponding to the second transaction amount is used as the target transaction.

5. The method according to any one of claims 1 to 4, characterized in that: The determining, according to the initial reconciliation rule, the first description information and the plurality of the second description information, a target transaction corresponding to the first payment transaction includes: According to the initial reconciliation rule, respectively matching the first description information with each of the second description information to obtain a matching result; In the case where there are multiple matching results, determining the transaction generation time of each matching transaction to be processed; The pending transaction with the earliest transaction generation time among the matched multiple pending transactions is used as the target transaction.

6. A transaction processing device, characterized in that: The device comprises: A first acquisition module, configured to acquire first description information of a first payment transaction of a user upon receiving a payment completion message of the first payment transaction; The second acquisition module is used to acquire the initial reconciliation rules; A third acquisition module is used to acquire pending transactions, wherein each pending transaction has corresponding second description information; a determination module, configured to determine a target transaction corresponding to the first payment transaction according to the initial reconciliation rule, the first description information and a plurality of the second description information; A processing module is used to settle the target transaction based on the payment amount of the first payment transaction.

7. The device according to claim 1, characterized in that Each of the initial reconciliation rules has a corresponding rule type, wherein the rule type includes any of the following: A first rule type, wherein the first rule type is used to indicate: matching transactions based on user information; A second rule type, wherein the second rule type is used to indicate: matching transactions based on transaction amounts.

8. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the method according to any one of claims 1 to 5.

9. A computer-readable storage medium, when instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the method according to any one of claims 1 to 5.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

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