Transaction processing method, electronic device and program product

Abstract

The invention provides a transaction processing method, electronic equipment and a computer program product. The transaction processing method comprises the steps that a transaction trigger signal containing a fund item is received, the fund item represents a fund type, and the transaction trigger signal is used for indicating that the fund item can be transacted; determining whether a state identifier of the fund item is a first identifier, the state identifier representing a transaction change state of the fund item, and the first identifier representing that the fund item has a transaction change; under the condition that the state identifier is the first identifier, a first split item which is not associated with an operation number in the fund item is determined, the operation number is an operation identifier of the revocation operation, and the first split item is an effective part which is not subjected to the revocation operation in the fund item; and transferring the amount corresponding to the first split item to a collection account.

Description

Technical Field

[0001] The present disclosure relates to technical fields such as data processing, and more particularly to a transaction processing method, electronic equipment, and program product. Background Art

[0002] In the process of real estate transactions, in order to ensure the safety of funds, the buyer and seller will establish a fund agreement with the regulator at the beginning of the transaction, including the specific terms of the total price of the house and the deposit. The regulator determines the amount of funds to be transferred and allocates the transfer authority based on these terms. Through the fund agreement, it is ensured that the funds can flow along the established path, that is, the funds are controlled to be transferred from the buyer to the seller when the transaction is reached, and the funds are controlled to be returned to the buyer when the transaction is cancelled. However, the traditional transaction supervision method is prone to incorrect fund flows in scenarios where the fund agreement changes frequently, such as multiple price cuts in real estate transactions. Summary of the invention

[0003] The present disclosure provides a transaction processing method, an electronic device, and a program product.

[0004] According to one aspect of the present disclosure, a transaction processing method is provided, including: receiving a transaction trigger signal including a fund item, the fund item representing a fund type, the transaction trigger signal being used to indicate that the fund item can be traded; determining whether a status identifier of the fund item is a first identifier, the status identifier representing a transaction change status of the fund item, the first identifier representing that there is a transaction change in the fund item; when the status identifier is the first identifier, determining a first split item in the fund item that is not associated with an operation number, the operation number being an operation identifier of a revocation operation, the first split item being a valid portion of the fund item that has not been revoked; and transferring an amount corresponding to the first split item to a receiving account.

[0005] In some embodiments, when the status identifier is the first identifier, it also includes: determining a second split item with an associated operation number in the funding item, and returning the amount corresponding to the second split item to the funding account, and the second split item becomes an invalid part of the funding item after the cancellation operation.

[0006] In some embodiments, after determining the first split item in the funding item that is not associated with an operation number, it also includes: sending a transaction request containing the first split item to a regulatory end; and controlling the regulatory end to search for the split amount of the first split item in a regulatory database, and determining the transfer authority for the split amount.

[0007] In some embodiments, before determining whether the status identifier of the funding item is the first identifier, it includes: configuring a status identifier field for a transaction rule table, the transaction rule table is used to record multiple funding information between a funding account and a receiving account, and the funding information includes funding items, total amounts of funding items, split items and status identifiers.

[0008] In some embodiments, before determining whether the status identifier of the funds item is the first identifier, it also includes: in response to a cancellation operation on part of the funds in the funds item, configuring an extension table for the transaction rule table containing the funds item, the status identifier of the funds item in the extension table is the first identifier, and there is a one-to-one correspondence between the split items, split amounts, and operation numbers in the extension table.

[0009] In some embodiments, an extension table is configured for the transaction rule table containing the capital item, including: determining the first split item and the second split item of the capital item according to the revocation amount of the revocation operation, the first split item and the second split item being the values ​​of the split item field in the extension table; using the difference between the total amount of the split item and the revocation amount as the split amount of the first split item, using the revocation amount as the split amount of the second split item, the split amount of the first split item and the split amount of the second split item being the values ​​of the split amount field in the extension table; and using the operation number of the revocation operation as the value of the operation number field in the extension table.

[0010] In some implementations, after configuring an extended table for the transaction rule table including the capital item, the method includes: recording the first split item and its split amount, the second split item and its split amount in the extended table in a supervision database of the supervision end.

[0011] In some embodiments, after determining whether the status identifier of the funds item is the first identifier, the method includes: if the status identifier is the second identifier, transferring the total amount of the funds item to a receiving account, wherein the second identifier indicates that there is no transaction change in the funds item.

[0012] According to another aspect of the present disclosure, an electronic device is provided, comprising: a memory storing execution instructions; and a processor executing the execution instructions stored in the memory, so that the processor executes the transaction processing method of any one of the above-mentioned embodiments.

[0013] According to another aspect of the present disclosure, a readable storage medium is provided, wherein execution instructions are stored in the readable storage medium, and when the execution instructions are executed by a processor, the transaction processing method of any embodiment is implemented.

[0014] According to yet another aspect of the present disclosure, a computer program product is provided, including a computer program, wherein when the computer program is executed by a processor, the transaction processing method of any embodiment is implemented. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] The accompanying drawings illustrate exemplary embodiments of the present disclosure and together with the description serve to explain the principles of the present disclosure. These drawings are included to provide a further understanding of the present disclosure and are incorporated in and constitute a part of this specification.

[0016] Figure 1 It is a schematic diagram of an application scenario of the transaction processing method according to an embodiment of the present disclosure.

[0017] Figure 2 It is an interactive flow chart of a transaction processing method according to an embodiment of the present disclosure.

[0018] Figure 3 It is a schematic flow chart of a transaction process according to an embodiment of the present disclosure.

[0019] Figure 4 It is a schematic diagram of the capital flow process according to an embodiment of the present disclosure.

[0020] Figure 5 It is a flow chart of a transaction processing method according to an embodiment of the present disclosure.

[0021] Figure 6 It is a schematic block diagram of the structure of a transaction processing device according to an embodiment of the present disclosure.

[0022] Figure 7 It is a schematic block diagram of the structure of an electronic device equipped with a transaction processing device according to an embodiment of the present disclosure. DETAILED DESCRIPTION

[0023] The present disclosure is further described in detail below in conjunction with the accompanying drawings and examples. It is understood that the specific examples described herein are only used to explain the relevant content, rather than to limit the present disclosure. It should also be noted that, for ease of description, only the parts related to the present disclosure are shown in the accompanying drawings.

[0024] It should be noted that, in the absence of conflict, the embodiments and features of the embodiments in the present disclosure can be combined with each other. The technical solution of the present disclosure will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0025] In the transaction process of goods or services, in order to ensure the safety of funds, the buyer and seller usually jointly establish a detailed fund agreement with the regulator, including the total price of the goods or services and specific terms such as the deposit. Once the payee has fulfilled its corresponding obligations, the regulator will transfer the funds paid by the investor to the payee based on this fund agreement, thus completing the entire transaction process. However, in more complex transactions such as real estate purchases, there may be multiple reductions in the house price, which requires the regulator to first return the funds to the investor in batches according to the price reduction amount, and then transfer the remaining funds to the payee. Since the fund agreement is usually designed to have a fixed and single withdrawal object, in the case of such frequent changes, it is very easy to cause the risk of mistransfer of funds and significantly increase the operational burden of the regulator.

[0026] To this end, the present disclosure proposes a transaction processing method.

[0027] Figure 1 Schematic diagram of an application scenario of a transaction processing method according to an embodiment of the present disclosure. Figure 1 The application scenario shown may include a server 100 and a terminal device 200. The server 100 may be a cloud server or a physical server, and the terminal device 200 may be a computer, a mobile phone, etc., which are not limited here. The server 100 and the terminal device 200 implement data exchange through a network or other means.

[0028] The transaction processing method disclosed in the present invention runs on the server 100. When the buyer and seller determine or change the fund agreement through negotiation, the buyer and seller or the third-party service provider can write the fund agreement or change the content through the terminal device 200, and synchronize it to the server 100 through the network. The server 100 creates a transaction rule table according to the fund agreement, or configures an extension table for the corresponding transaction rule table according to the changed agreement. The transaction rule table contains the status identifier of the fund agreement. After the agreement appears and is changed, the status identifier is changed to the first identifier, indicating that the fund agreement has changed. At the same time, the extension table will record the name of the split item and its corresponding split amount and other information. When the payee completes the service or delivers the goods agreed in the contract, the system will apply for transaction authorization to the regulator based on the split item. By running the transaction processing method, the server 100 realizes the record of the change status of the fund agreement and its results; after the payee completes the performance of the contract, it only needs to obtain the transfer authorization from the regulator to complete the transfer of funds. This method obviously reduces the manual dependence on the regulator in the process of fund flow, and through the setting of the transaction rule table and the extension table, the correct flow of funds under the new fund agreement is clearly defined, effectively avoiding the problem of wrong fund flow.

[0029] For the convenience of description and to make the technical solutions of the specific implementation methods of the present disclosure easier to understand, before describing the data processing method implemented in the present disclosure, the technical terms involved in the specific implementation methods of the present disclosure are defined as follows: Transaction rule table: used to record the transaction information of each fund item in each transaction, including the name of the fund item, the total payment amount of the fund item, the name and split amount of the supervision item, the status identification, etc.

[0030] Extension table: It is a record table of change information based on the transaction rule table. It includes the name of the fund item and the total payment amount of the fund item in the transaction rule table, as well as the new status identifier, supervision item name and split amount generated by the change, and the operation number corresponding to the supervision item.

[0031] Status indicator: used to identify the changes in the corresponding funding items, including the first The first split item: is part of the supervision item and is the valid part of the fund item that needs to be transferred to the payee.

[0032] Second split item: It is part of the supervision item. Each cancellation operation will generate a second split item. One fund item can correspond to multiple second split items. The number of second split items is usually consistent with the number of extension tables, but it can also be inconsistent and there is no limit. The second split item is the invalid part of the fund item that needs to be returned to the investor. Each second split item corresponds to a unique cancellation number.

[0033] Figure 2 This is an interactive flow chart of the transaction processing method according to the embodiment of the present disclosure. Figure 2 The data flow of the transaction processing method between multiple parties is explained, and the multiple parties may be, for example, the funding end, the trading system, the regulatory end, and the payment end.

[0034] In step S201, a trading rule table including a status identification field is configured in the trading system. The trading system can be run on Figure 1 The server 100 is used to execute the transaction processing method. The transaction system can usually be a third-party service platform, such as a service platform of a real estate agency, which is used to provide transaction services for buyers and sellers.

[0035] The status identification field is a component of the transaction rule table and is used to record and identify changes in the transaction process. The status identification field can record the first identification or the second identification. The first identification indicates that the transaction agreement of the corresponding fund item has changed, and the second identification indicates that the transaction agreement of the corresponding fund item has not changed.

[0036] The transaction rule table is used to record the transaction information between the investor and the payee. A transaction rule table is generated for each transaction process. The transaction rule table contains multiple fields, such as the fund item name field, the total amount field of the fund item, the split amount field, the supervision item name field, the status identification field, etc. The fund item field is used for the fund item name, the total amount field of the fund item is used to record the total payment amount of the fund item, the split amount field is used to record the split amount corresponding to the supervision item recorded in the supervision database of the supervisor, the supervision item name field is used to record the name of the supervision item, and the status identification field is used to record the changes in the transaction process of the fund item. Among them, the supervision item is a part of the fund item, and one fund item can correspond to multiple supervision items.

[0037] In a real estate transaction scenario, the funding item name field can be a house payment, a security deposit, etc., which can indicate the purpose of the funding item. The total amount is the total payment amount of the funding item. For example, the total amount of the house payment can be 1 million, and the total amount of the security deposit can be 700,000. The supervision item name field for the house payment can be the house payment, and the supervision item name field for the security deposit can be the security deposit. The split amount field for the house payment can be 1 million, and the split amount field for the security deposit can be 1 million. Usually, when no transaction changes occur, the supervision name is the same as the funding item name, and the split amount is the same as the total payment amount, but this is not a limitation of the present disclosure. The status indicator can be "No" when no transaction changes occur.

[0038] In step S202, the funding end determines the funding item and pays the total amount of the funding item.

[0039] The funding end can be the client of the investor with the ability to pay funds. The total amount should be the total amount of the purchase funds, such as the purchase price of a house. Of course, after the total amount is paid, it is not directly transferred to the receiving account, but temporarily stored in the investor's custody account. Only after the transaction is completed, through the authority assigned by the regulator, is it transferred to the recipient's custody account within the authority amount to complete the transaction. Therefore, the total amount paid by the funding end in this step is temporarily stored in the investor's custody account.

[0040] In step S203, the trading system generates a corresponding trading rule table according to the fields configured in the trading rule table based on the payment situation of the funding end. Different trading situations correspond to different trading rule tables. The trading system can store trading rule tables between different buyers and sellers, or trading rule tables for different transactions between the same buyer and seller.

[0041] Of course, when a transaction change occurs in a certain fund item, the transaction system will also configure a corresponding extension table for the transaction rule table corresponding to the fund item. The extension table is used to record the information of the new transaction rules after the change. The extension table includes the fund item name field, the total payment amount field, the status identification field, the split amount field, the supervision item name field, and the operation number field. Among them, the fund item name field and the total payment amount field should be consistent with the relevant fields of the corresponding transaction rule table. The status identification of the fund item that has changed should be changed from the second identification to the first identification, for example, from "no" to "yes". The supervision item name field is used to record the name of the split result of the fund item, including the first split item and the second split item, wherein the first split item is the valid part of the fund item that has not been revoked, and the second split item is the invalid part of the fund item that has been revoked. There can be multiple second split items. The first split item can be the name of the fund item, such as "house payment", and the second split item can be "house payment 1", "house payment 2", etc. The split amount is determined based on the cancellation amount of the canceled part. For example, if the price of a house of 1 million is reduced by 100,000 yuan during the transaction, the second split item can be 100,000 yuan, and the first split item is the difference between the total house price and the cancellation amount, for example, 900,000 yuan. The operation number field is used to mark the cancellation operation. Different cancellation operations correspond to different operation numbers, and the cancellation number is recorded in the operation number field of the corresponding supervision item. At this time, if the remaining capital items in the transaction rule table have not changed, they are listed in the expansion table according to the contents of the transaction rule table.

[0042] In step S204, the transaction system receives a transaction trigger signal. The transaction trigger signal is used to indicate that the included fund items can be traded. After the payee fulfills the contract, the fund items should be transferred to the receiving account as agreed or returned to the funding account according to the changes. At this time, a transaction trigger signal will be generated to trigger the flow of funds. The transaction trigger signal can be generated by other service systems of a third party, which is not limited here.

[0043] In step S205, the transaction system determines the first identifier corresponding to the capital item.

[0044] The transaction trigger signal includes the fund item that can be traded. In order to determine the amount and authority to apply for the transaction transfer from the regulator, it is necessary to determine whether the fund item corresponds to the first identifier after obtaining the transaction trigger signal. If it corresponds to the first identifier, it means that there is a transaction change in the fund item, then step S206 is executed to determine the first split item that is not associated with the operation number.

[0045] Specifically, the first split item is the unrevoked portion of the capital item. When a transaction trigger signal is generated, a supervision item that does not correspond to any operation number is searched in the extended table, and the supervision item is determined to be the first split item. Of course, the first split item and the capital item usually share the same name, so the name of the capital item can also be directly used as the first split item, without limitation here.

[0046] In step S207, the trading system sends a trading request to the supervisory end. The trading request at least includes the first split item.

[0047] In step S208, the supervisory end determines the split amount of the first split item and allocates transfer authority to the transaction system. The supervisory database of the supervisory end records the name of the supervisory item and the corresponding split amount determined by each transaction change. As one of the supervisory items, the first split item and its corresponding split amount can be searched in the supervisory database, and the split amount is used as the transaction limit for the first split item, granting the transaction system transfer authority within the split amount range.

[0048] In step S209, the transaction system transfers the split amount of the first split item to the payment account of the payment terminal.

[0049] In step S210, the transaction system determines the second split item associated with the operation number. Each transaction process may have multiple transaction changes, which will generate multiple cancellation operations, and then correspond to multiple operation numbers. The transaction trigger signal includes the operation number, so the corresponding second split item can be determined according to the operation number.

[0050] In step S211, the transaction system generates a refund request including the second split item. Each refund request should include a unique second split item.

[0051] In step S212, the supervisory end determines the split amount of the second split item and allocates transfer authority. As one of the supervision items, the second split item can find the corresponding split amount in the supervision database. Similarly, the split amount is monitored by the supervisory end as the transfer limit for the second split item.

[0052] In step S213, the trading system returns the split amount of the second split item to the investment account of the investment end.

[0053] It should be noted that if there are multiple second split items, steps S210 to S213 may be repeated. In addition, each time a transaction change occurs, the determined supervision item and its split amount should be synchronized to the supervision database to facilitate subsequent authority allocation.

[0054] Through the aforementioned data flow, the dependence on the regulatory side during the transaction process is overcome. In addition, every transaction change can be clearly recorded, and when executed, it can be accurately determined whether there is a transaction change in the fund item based on the status mark, and the corresponding split amount can be determined on the regulatory side through the regulatory item, avoiding the wrong flow of funds.

[0055] Figure 3 is a schematic flow chart of the transaction process according to the embodiment of the present disclosure. Figure 3 ,right Figure 2 The trading system can be run on Figure 1 In the server 100.

[0056] After the buyer and seller reach a transaction agreement, a transaction rule table is formed according to the content of the transaction agreement. The transaction rule table contains the status identifiers of each funding item, usually the first identifier, indicating that the funding item has not changed. During the service implementation process or the payment process of the goods, problems such as loss of goods may be found, and these problems can be compensated by reducing the price of the goods. In other words, after negotiation between the buyer and the seller, part of the amount of the funding item can be revoked. For example, the house price is 1 million yuan, but due to aging of the circuit, repair costs will be incurred after the investor purchases the house. Therefore, the house price can be reduced according to negotiation during the house payment process, and the revocation amount can be 50,000 yuan.

[0057] After a partial amount of a fund item is revoked, an extension table corresponding to the transaction rule table is generated according to the revocation operation. In the extension table, the status mark of the fund item where the revocation operation occurs is adjusted to the second mark to indicate that the transaction of the fund item has changed. In addition, after the fund item is revoked, the amount of the invalid part and the amount of the valid part caused by the revocation should be determined according to the change. The valid part of the fund item is recorded as the first split item and the invalid part is recorded as the second split item in the extension table.

[0058] Furthermore, in order to ensure the effectiveness and accuracy of supervision, after the first split item and its split amount, the second split item and its split amount are determined, these contents should be synchronously written into the supervision database of the supervisor.

[0059] Table 1 Table 1 represents the transaction rule table numbered i, where i can be any value. The transaction rule table i includes two fund items named "house payment" and "security deposit". The total payment amount of the house payment is 1 million yuan, the split amount is 1 million yuan, the supervision item includes the house payment, and the status is marked as "no". The total payment amount of the security deposit is 700,000 yuan, the split amount is 700,000 yuan, the supervision item includes the security deposit, and the status is marked as "no". It should be noted that the status identification field can be in the form of "partial cancellation" and "no" is a form of the second identification.

[0060] Table 2 Table 2 is the first extension of transaction rule table i. If the object of the revocation operation is part of the house payment, the status indicator of the house payment in extended table 1 is adjusted from "No" to "Yes", and "Yes" is one of the forms of the first indicator; the property security deposit has not been revoked, so the status indicator of the fund item is still "No". According to the revocation situation, the supervision item of the part of the house payment that has been revoked is named "House Payment 1", and "House Payment 1" is the second split item; and the supervision item of the valid part that has not been revoked uses the same name as the fund item, that is, the first split item "House Payment". The split amount of House Payment 1 is 100,000 yuan, and the split amount of the house payment is the difference between 1 million yuan and 100,000 yuan, that is, 900,000 yuan. At the same time, the operation number field of House Payment 1 records the number of the revocation operation, such as Revocation 1; the operation number of the supervision item that has been revoked is empty. The various fields of the property security deposit are consistent with their contents in transaction rule table i and will not be repeated.

[0061] Table 3 Table 3 is the second extension table of transaction rule table i. If a new revocation operation is generated after the formation of extension table 1, then the revocation result of the second revocation operation is recorded on the basis of extension table 1, including the supervision item and its split amount. Extension table 2 adds another supervision item "House payment 2" for the house payment on the basis of extension table 1, and the split amount of house payment 1 remains unchanged. House payment 2 is the result of the second split based on the supervision item "House payment" in extension table 1, so the split amount of house payment 2 is 50,000 yuan, and the split amount of the supervision item "House payment" changes from "900,000" yuan to "850,000" yuan on the basis of house payment 2. At the same time, in order to facilitate the distinction between the supervision items and their split amounts corresponding to each revocation operation, "Revocation 2" is written in the split number corresponding to house payment 2. The rest of the unchanged parts of extension table 2 are consistent with extension table 1.

[0062] Further, after receiving the transaction trigger signal, it is determined whether the status identifier of the fund item to be traded in the transaction trigger signal is the first identifier according to the transaction rule table and the corresponding extension table.

[0063] If not (N), a transaction request containing the corresponding regulatory item is sent to the regulatory side. For example, for the capital item "security deposit", if its status is marked as "No", then according to the transaction rule table, the regulatory item of "security deposit" is also determined to be "security deposit", so a transaction request containing "security deposit" is sent to the regulatory side. The split amount corresponding to "security deposit" is searched in the regulatory database of the regulatory side, and the split amount is used as the transfer amount to authorize the third-party transaction system, so that the third-party transaction system has the right to transfer the split amount of the capital item to the receiving account. If the identification status is the second identification, the split amount is usually the total payment amount for the capital item.

[0064] If it is yes (Y), determine the second split item corresponding to the operation number to be traded in the transaction trigger signal in the extended table. Furthermore, send a transaction request (essentially a refund request) containing the second split item to the regulatory end. Search the split amount corresponding to the second split item in the regulatory database of the regulator, use the split amount as the transfer amount, and authorize the third-party transaction system so that the third-party transaction system has the right to return the split amount of the second split item to the funding account. If the transaction trigger signal involves multiple operation numbers, applications and refunds can be made for each operation number separately. At the same time, the first split item with the associated operation number in the corresponding funding item should also be determined, and a transaction request containing the first split item should be sent to the regulatory end; and the split amount corresponding to the first split item should be searched in the regulatory database of the regulator, and the split amount should be used as the transfer amount to authorize the third-party transaction system so that the third-party transaction system has the right to transfer the split amount of the first split item to the receiving account.

[0065] The transaction processing method proposed in this disclosure overcomes the reliance on the regulatory side during the transaction process. In addition, each transaction change can be clearly recorded, and when executed, it can accurately determine whether there is a transaction change in the fund item based on the status mark, and can also determine the corresponding split amount at the regulatory side through the regulatory item, avoiding the wrong flow of funds.

[0066] Figure 4 It is a schematic diagram of the capital flow process according to an embodiment of the present disclosure. Figure 4 It intuitively shows the process of capital flow. After the buyer and seller confirm the transaction agreement, the investor pays the corresponding amount from the investor's account to the investor's escrow account according to the agreed amount. Before the payee performs the contract, the amount paid by the investor is temporarily stored in the investor's escrow account and supervised by the supervisor. After the payee performs the contract, the two parties reach a transaction, and the amount of the agreed part is transferred from the investor's escrow account to the payee's storage account, and then withdrawn to the payee's account. For the part that is withdrawn or otherwise changed during the transaction, it is returned from the investor's escrow account to the investor's account.

[0067] In the process of fund circulation, the aforementioned transaction processing method allows the fund circulation path to be adjusted according to transaction changes, rather than determining a fixed and unique transfer object, thereby improving the flexibility of the transaction. In addition, the configuration of the transaction rule table and its extension table, as well as the positioning mechanism of the split items, avoids the problem of incorrect fund circulation.

[0068] Figure 5 is a flow chart of a transaction processing method according to an embodiment of the present disclosure. Figure 5 As shown, in order to implement the above technical solution, the present disclosure proposes a transaction processing method M500, including: Step S510, receiving a transaction trigger signal including a fund item, where the fund item represents the fund type, and the transaction trigger signal is used to indicate that the fund item can be traded; Step S520, determining whether the status identifier of the fund item is the first identifier, where the status identifier represents the transaction change status of the fund item, and the first identifier represents that there is a transaction change in the fund item; Step S530, when the status identifier is the first identifier, determining the first split item in the fund item that is not associated with an operation number, where the operation number is the operation identifier of the undo operation, and the first split item is the valid portion of the fund item that has not been subjected to the undo operation; and Step S540, transferring the amount corresponding to the first split item to the receiving account.

[0069] The specific implementation methods and principles of each step in the transaction processing method M500 can be referred to above and will not be repeated here.

[0070] The disclosed transaction processing method, through the configuration of the transaction rule table and its extended table, and the positioning mechanism of the split items, enables the capital flow path to be adjusted according to the transaction changes, rather than determining a fixed and unique transfer object, thereby improving the flexibility of the transaction and avoiding the problem of incorrect capital flow.

[0071] Figure 6 FIG. 1 is a block diagram showing the structure of a transaction processing device according to an embodiment of the present disclosure. Figure 6 As shown, various modules involved in the transaction processing device when executing the transaction processing method are shown, including a receiving module 601, a judgment module 602, a positioning module 603, and a transaction module 604. The transaction processing device can be operated on Figure 1 The server 100.

[0072] The receiving module 601 executes step S510 to receive a transaction trigger signal including a fund item, where the fund item represents the fund type, and the transaction trigger signal is used to indicate that the fund item can be traded; the judging module 602 executes step S520 to determine whether the status identifier of the fund item is the first identifier, where the status identifier represents the transaction change status of the fund item, and the first identifier represents that there is a transaction change in the fund item; the positioning module 603 executes step S530 to determine, when the status identifier is the first identifier, the first split item in the fund item that is not associated with an operation number, where the operation number is the operation identifier of the revocation operation, and the first split item is the valid part of the fund item that has not been revoked; and the transaction module 604 executes step S540 to transfer the amount corresponding to the first split item to the receiving account.

[0073] In some embodiments, when the status identifier is the first identifier, the positioning module 603 also executes steps S550 and S560: determining the second split item of the associated operation number in the funding item, and returning the amount corresponding to the second split item to the funding account, and the second split item becomes an invalid part of the funding item after the cancellation operation.

[0074] In some embodiments, the specific implementation method of the transaction module 604 is: sending a transaction request containing the first split item to the regulatory end; and controlling the regulatory end to search for the split amount of the first split item in the regulatory database and determine the transfer authority for the split amount.

[0075] In some embodiments, before determining whether the status identifier of the funding item is the first identifier, the transaction processing device is also used to: configure a status identifier field for a transaction rule table, the transaction rule table is used to record multiple funding information between a funding account and a receiving account, and the funding information includes funding items, total amounts of funding items, split items and status identifiers.

[0076] In some embodiments, before determining whether the status identifier of the funds item is the first identifier, the transaction processing device is also used to: in response to a cancellation operation on part of the funds in the funds item, configure an extension table for the transaction rule table containing the funds item, the status identifier of the funds item in the extension table is the first identifier, and there is a one-to-one correspondence between the split items, split amounts, and operation numbers in the extension table.

[0077] Specifically, an extension table is configured for the transaction rule table containing capital items, including: determining the first split item and the second split item of the capital item according to the revocation amount of the revocation operation, the first split item and the second split item being the values ​​of the split item field in the extension table; using the difference between the total amount of the split item and the revocation amount as the split amount of the first split item, using the revocation amount as the split amount of the second split item, the split amount of the first split item and the split amount of the second split item being the values ​​of the split amount field in the extension table; and using the operation number of the revocation operation as the value of the operation number field in the extension table.

[0078] Specifically, after configuring an extension table for the transaction rule table including the capital item, the method includes: recording the first split item and its split amount, the second split item and its split amount in the extension table in the supervision database of the supervision end.

[0079] In some implementations, the positioning module 603 further executes step S570, and transfers the total amount of the fund item to the receiving account when the status identifier is the second identifier, and the second identifier indicates that there is no transaction change in the fund item.

[0080] Each module in the transaction processing device is configured to implement each step of the transaction processing method. The implementation principles and execution steps thereof can be referred to above and will not be described in detail.

[0081] The transaction processing device disclosed in the present invention, through the configuration of the transaction rule table and its extended table, and the positioning mechanism of the split items, allows the capital flow path to be adjusted according to the transaction changes, rather than determining a fixed and unique transfer object, thereby improving the flexibility of the transaction and avoiding the problem of wrong capital flow.

[0082] Figure 7 FIG. 1 is a schematic block diagram of an electronic device equipped with a transaction processing device according to an embodiment of the present disclosure. Figure 7 As shown, the electronic device 1000 equipped with a transaction processing device includes Figure 6 The receiving module 601, the judging module 602, the positioning module 603 and the transaction module 604 are each configured to implement each step of the transaction processing method. The implementation principles and execution steps thereof may be referred to above and will not be described in detail.

[0083] The hardware structure of the electronic device 1000 can be implemented using a bus architecture. The bus architecture can include any number of interconnected buses and bridges, depending on the specific application and overall design constraints of the hardware. The bus 1100 connects various circuits including one or more processors 1500, memory 1600, and / or hardware modules together. The bus 1100 can also connect various other circuits 1400 such as peripherals, voltage regulators, power management circuits, external antennas, etc.

[0084] The bus 1100 may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Component (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the figure only uses one connecting line, but does not mean that there is only one bus or one type of bus.

[0085] The present disclosure also provides a readable storage medium, in which a computer program is stored, and the computer program is used to implement the above method when executed by a processor. "Readable storage medium" can be any device that can contain, store, communicate, propagate or transmit a program for use in an instruction execution system, device or equipment or in combination with these instruction execution systems, devices or equipment. More specific examples of readable storage media include the following: an electrical connection portion (electronic device) with one or more wirings, a portable computer disk box (magnetic device), a random access memory (RAM), a read-only memory (ROM), an erasable and editable read-only memory (EPROM or flash memory), an optical fiber device, and a portable read-only memory (CDROM), etc.

[0086] The present disclosure also provides a computer program product. The method of the present disclosure can be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer programs or instructions. When the computer program or instruction is loaded and executed, the process or function of the present disclosure is executed in whole or in part.

[0087] The computer program or instructions may be stored in a readable storage medium or transmitted from one readable storage medium to another readable storage medium, for example, the computer program or instructions may be transmitted from one website, computer, server or data center to another website, computer, server or data center by wired or wireless means. The readable storage medium may be any available medium that can be accessed or a data storage device such as a server, data center, etc. that integrates one or more available media. The available medium may be a magnetic medium, such as a floppy disk, a hard disk, or a magnetic tape; it may also be an optical medium, such as a digital video disk; it may also be a semiconductor medium, such as a solid state drive. The computer readable storage medium may be a volatile or non-volatile storage medium, or may include both volatile and non-volatile types of storage media.

[0088] Those skilled in the art will appreciate that the embodiments of the present disclosure may be provided as methods, systems, or computer program products. Therefore, the present disclosure may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present disclosure may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0089] The present disclosure is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to the present disclosure. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0090] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0091] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0092] In the description of this specification, the description with reference to the terms "one embodiment / method", "some embodiments / methods", "example", "specific example", or "some examples" etc. means that the specific features, structures, or characteristics described in conjunction with the embodiment / method or example are included in at least one embodiment / method or example of the present disclosure. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment / method or example. Moreover, the specific features, structures, or characteristics described may be combined in any one or more embodiments / methods or examples in a suitable manner. In addition, those skilled in the art may combine and combine different embodiments / methods or examples described in this specification and features of different embodiments / methods or examples, unless they are contradictory.

[0093] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of the features. In the description of the present disclosure, "plurality" means at least two, such as two, three, etc., unless otherwise clearly and specifically defined.

[0094] Those skilled in the art should understand that the above embodiments are only for the purpose of clearly illustrating the present disclosure, and are not intended to limit the scope of the present disclosure. For those skilled in the art, other changes or modifications may be made based on the above disclosure, and these changes or modifications are still within the scope of the present disclosure.

[0095] It is understood that before using the technical solutions disclosed in the embodiments of the present disclosure, the type, scope of use, and usage scenarios of the personal information involved in the present disclosure should be informed to the user and the user's authorization should be obtained in an appropriate manner in accordance with relevant laws and regulations. For example, in response to receiving the user's active request, a prompt message is sent to the user to clearly prompt the user that the operation requested to be performed will require the acquisition and use of the user's personal information. The user can autonomously choose whether to provide personal information to the software or hardware such as the terminal 200, application, server or storage medium that performs the operation of the technical solution of the present disclosure according to the prompt message. As an optional but non-limiting implementation method, in response to receiving the user's active request, the method of sending the prompt message to the user can be, for example, a pop-up window, and the prompt information can be presented in the form of text in the pop-up window. In addition, the pop-up window can also carry a selection control for the user to choose "agree" or "disagree" to provide personal information to the terminal 200. The above notification and the process of obtaining user authorization are only illustrative and do not constitute a limitation on the implementation method of the present disclosure. Other methods that meet relevant laws and regulations can also be applied to the implementation method of the present disclosure. At the same time, it can be understood that the data involved in the technical solution of the present disclosure (including but not limited to the data itself, the acquisition or use of the data) shall comply with the requirements of relevant laws, regulations and relevant provisions.

Claims

1. A transaction processing method, characterized in that: include: receiving a transaction trigger signal including a fund item, wherein the fund item represents a fund type, and the transaction trigger signal is used to indicate that the fund item can be traded; Determine whether the status identifier of the fund item is a first identifier, the status identifier represents a transaction change status of the fund item, and the first identifier represents that there is a transaction change in the fund item; When the state identifier is the first identifier, determining a first split item in the fund item that is not associated with an operation number, where the operation number is an operation identifier of a revocation operation, and the first split item is a valid portion of the fund item that has not been revoked; as well as The amount corresponding to the first split item is transferred to the receiving account.

2. The transaction processing method according to claim 1, characterized in that: In the case where the status identifier is the first identifier, the method further includes: Determine the second split item of the associated operation number in the funding item, and return the amount corresponding to the second split item to the funding account. The second split item becomes the invalid part of the funding item after the cancellation operation.

3. The transaction processing method according to claim 1, characterized in that: After determining the first split item in the capital item that is not associated with an operation number, the method further includes: Sending a transaction request including the first split item to a supervisory end; and The supervision end is controlled to search the supervision database for the split amount of the first split item, and determine the transfer authority for the split amount.

4. The transaction processing method according to claim 1, characterized in that: Before determining whether the status identifier of the fund item is the first identifier, the method includes: Configure the status identification field for the transaction rule table. The transaction rule table is used to record multiple fund information between the investment account and the receiving account. The fund information includes fund items, total amount of fund items, split items and status identification.

5. The transaction processing method according to claim 1, characterized in that: Before determining whether the status identifier of the fund item is the first identifier, the method further includes: In response to the cancellation operation of part of the funds in the fund item, an extension table is configured for the transaction rule table containing the fund item, the status identifier of the fund item in the extension table is the first identifier, and there is a one-to-one correspondence between the split item, split amount, and operation number in the extension table.

6. The transaction processing method according to claim 5, characterized in that: An extension table is configured for the transaction rule table containing the fund item, including: Determine a first split item and a second split item of the fund item according to the cancellation amount of the cancellation operation, wherein the first split item and the second split item are values ​​of the split item field in the extended table; The difference between the total amount of the split item and the cancellation amount is used as the split amount of the first split item, and the cancellation amount is used as the split amount of the second split item. The split amount of the first split item and the split amount of the second split item are the values ​​of the split amount field in the extended table; and The operation number of the undo operation is used as the value of the operation number field in the extended table.

7. The transaction processing method according to claim 6, characterized in that: After configuring the extended table for the transaction rule table containing the fund item, including: The first split item and its split amount, the second split item and its split amount in the extended table are recorded in the supervision database of the supervision end.

8. The transaction processing method according to claim 1, characterized in that: After determining whether the status identifier of the fund item is the first identifier, the method includes: When the status identifier is the second identifier, the total amount of the fund item is transferred to the receiving account, and the second identifier indicates that there is no transaction change in the fund item.

9. An electronic device, characterized in that: include: A memory storing execution instructions; as well as A processor, wherein the processor executes the execution instructions stored in the memory, so that the processor executes the transaction processing method according to any one of claims 1 to 8.

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

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