Pre-check-based transfer processing method, device and equipment, medium and product

Abstract

The invention discloses a pre-check-based transfer processing method, device and equipment, a medium and a product. The method comprises the following steps: generating a pre-check transaction request according to a transfer transaction demand of a business party, and routing the pre-check transaction request to a target distributed cluster, so that the target distributed cluster calls a pre-check service to perform link connectivity check and business element check on the pre-check transaction request; if the pre-check result fed back by the target distributed cluster is that the pre-check is successful, generating a transfer transaction request, and routing the transfer transaction request to the target distributed cluster, so that the target distributed cluster calls a transfer service to execute a transfer operation; wherein the successful pre-check is used for representing that the link connectivity check and the service element check are both passed. According to the embodiment of the invention, problems in the transfer transaction can be found in advance instead of post remedy, so that the user experience is improved; and large-batch unknown transactions caused by infrastructure problems are avoided.

Description

Technical Field

[0001] The present invention relates to the field of distributed technology, and in particular to a transfer processing method, device, equipment, medium and product based on pre-checking. Background Art

[0002] In the context of the transformation of the existing host distributed architecture, the host application has switched from mainframes to distributed minicomputers. The number of machines and nodes in the distributed system has increased significantly, and the probability and frequency of abnormalities in the business system and infrastructure have increased significantly compared to the past, resulting in reduced stability of the host and an increase in abnormal transfer transactions. For this scenario, the stock logic can be closed through daily reversals, daily suspicious account inquiries, and the addition of end-of-day reconciliation functions to avoid customer complaints. However, the existing methods such as daily reversals, daily suspicious account inquiries, and the addition of end-of-day reconciliation functions have problems with poor user experience and difficulty in promotion. Summary of the invention

[0003] The present invention provides a transfer processing method, device, equipment, medium and product based on pre-checking, so as to solve the problem that the existing processing method for abnormal transfer transactions is not user-friendly and difficult to promote.

[0004] According to one aspect of the present invention, a method for processing a transfer based on pre-check is provided, comprising:

[0005] Generate a pre-check transaction request according to the transfer transaction requirements of the business party, and route the pre-check transaction request to the target distributed cluster, so that the target distributed cluster calls the pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request;

[0006] If the pre-check result fed back by the target distributed cluster is that the pre-check is successful, a transfer transaction request is generated, and the transfer transaction request is routed to the target distributed cluster, so that the target distributed cluster calls the transfer service to perform the transfer operation;

[0007] The successful pre-check is used to indicate that both the link connectivity check and the service element check have passed.

[0008] According to another aspect of the present invention, there is provided a transfer processing device based on pre-checking, comprising:

[0009] A pre-check transaction module is used to generate a pre-check transaction request according to the transfer transaction requirements of the business party, and route the pre-check transaction request to a target distributed cluster, so that the target distributed cluster calls a pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request;

[0010] The transfer transaction module is used to generate a transfer transaction request if the pre-check result fed back by the target distributed cluster is a successful pre-check, and route the transfer transaction request to the target distributed cluster, so that the target distributed cluster calls the transfer service to perform the transfer operation; wherein the successful pre-check is used to indicate that both the link connectivity check and the business element check have passed.

[0011] According to another aspect of the present invention, a computer program product is provided, comprising a computer program, wherein when the computer program is executed by a processor, the method for processing a transfer based on pre-checking according to any embodiment of the present invention is implemented.

[0012] According to another aspect of the present invention, there is provided an electronic device, the electronic device comprising:

[0013] At least one processor; and a memory in communication with the at least one processor; wherein the memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the transfer processing method based on pre-checking described in any embodiment of the present invention.

[0014] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the pre-check-based transfer processing method described in any embodiment of the present invention when executed.

[0015] According to another aspect of the present invention, a computer program product is provided, comprising a computer program / instruction, wherein when the computer program / instruction is executed by a processor, the method for processing a transfer based on pre-checking as described in any embodiment of the present invention is implemented.

[0016] The embodiment of the present invention generates a pre-check transaction request according to the transfer transaction requirements of the business party before the real transfer operation is performed, and routes the pre-check transaction request to the target distributed cluster, so that the target distributed cluster calls the pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request. When the pre-check result fed back by the target distributed cluster is that the pre-check is successful, a transfer transaction request is generated, and the transfer transaction request is routed to the target distributed cluster, so that the target distributed cluster calls the transfer service to perform the transfer operation. The pre-check can provide instant feedback on whether the transaction is likely to succeed before the real transfer transaction occurs, avoiding the business party from waiting for the transaction to be submitted and then receiving a failure notification, and informing the business party of possible problems with the transaction in advance, such as insufficient balance, account abnormality, etc., to improve the user experience of the business party. By pre-checking, it is ensured that all business elements have met the necessary conditions for the transaction when the transaction request is submitted to the distributed cluster, reducing transaction failures caused by unsatisfied business elements and improving the success rate of the transaction. By pre-checking and ensuring that all downstream services involved in the transfer transaction are in normal condition and the links between downstream services are connected, the probability of unknown transactions caused by accounting application infrastructure problems (such as corporate database downtime, cloud infrastructure failure, etc.) can be reduced, and the unknown transactions returned to the business party can be reduced, thereby improving the business party's user experience.

[0017] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0019] Figure 1 is a first flow chart of a transfer processing method based on pre-checking provided by an embodiment of the present invention;

[0020] Figure 2 is a second flow chart of a transfer processing method based on pre-checking provided by an embodiment of the present invention;

[0021] Figure 3 is a structural schematic diagram of a transfer processing device based on pre-checking provided by an embodiment of the present invention;

[0022] Figure 4 It is a schematic diagram of the structure of an electronic device implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0023] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0024] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0025] Figure 1 This is the first flow chart of a transfer processing method based on pre-checking provided by an embodiment of the present invention. This embodiment can be applied to the situation where a pre-check is performed before a transfer transaction to improve the transaction execution efficiency and optimize the customer experience. The method can be executed by a transfer processing device based on pre-checking. The device can be implemented in the form of hardware and / or software. The device can be configured in an electronic device with corresponding data processing capabilities. Figure 1 As shown, the method includes:

[0026] S110. Generate a pre-check transaction request according to the transfer transaction demand of the business party, and route the pre-check transaction request to a target distributed cluster, so that the target distributed cluster calls a pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request.

[0027] The bank-securities transfer business is divided into bank-to-securities and securities-to-bank transactions, i.e., transactions from bank accounts to securities accounts and transactions from securities accounts to bank accounts. Among them, the bank-securities transfer business can be divided into personal bank-securities business and institutional bank-securities business according to different account types. Personal bank-securities business and institutional bank-securities business correspond to different target distributed clusters.

[0028] The target distributed cluster is deployed on multiple hosts. Due to the large number of hosts, the probability of failure of the target distributed cluster also increases. When receiving the transfer transaction demand from the business party, the transfer transaction is not executed immediately, but a pre-check transaction request is generated according to the transfer transaction demand of the business party. The pre-check transaction request is routed to the target distributed cluster to determine whether the target distributed cluster is currently in an available state based on the pre-check result of the pre-check transaction request. Specifically, the target distributed cluster calls the pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request. Optionally, the business element includes at least one of the following: transfer amount, securities account information, bank account information or security verification information. The business elements carried in the pre-check transaction request and the transfer transaction request are the same, but the request types are different.

[0029] Business element checks mainly include transfer amount checks, securities account information checks, bank account information checks, and security verification information checks. Transfer amount checks include amount rationality checks, which are used to evaluate whether the transfer amount complies with business logic and actual needs to avoid abnormal transactions caused by excessive or insufficient amounts; limit checks, which are used to check whether the transfer amount exceeds the single or daily transfer limit set by the bank or securities company. Securities account information checks include account validity checks, which are used to verify whether the securities account exists and is valid to ensure that the account has not been cancelled or frozen; account matching checks, which are used to check whether the securities account is consistent with the account in the transfer request to avoid transferring to the wrong account; account authority checks, which are used to confirm whether the securities account has the authority to conduct bank-securities transfers and the validity period of the authority. Bank account information checks include account existence checks, which are used to verify whether the bank account exists and is valid to ensure that the account has not been cancelled or frozen; account type checks, which are used to check whether the bank account type meets the transfer requirements, such as whether it is a savings account, credit card account, etc.; account balance checks, which are used to ensure that there is enough balance in the bank account for transfers to avoid transfer failures due to insufficient balances. Security verification information checks include identity verification, which is used to verify the user's identity through passwords, verification codes, biometrics, etc., to ensure that the transfer operation is initiated by the user himself; transaction authorization checks, which are used to check whether the transfer request has obtained the necessary authorization, such as secondary confirmation through SMS verification codes, dynamic passwords, etc.; security policy checks, which are used to ensure that the transfer operation complies with the security policies set by the bank or securities company, such as avoiding large transfers at night or on holidays.

[0030] Transfer transactions involve multiple fine-grained downstream service interfaces, including account verification interface, balance query interface, transfer request processing interface, transfer execution interface, transfer result notification interface, etc. Each downstream service interface is linked through the access layer to implement calls between downstream services to complete the transfer transaction. The downstream service links called by the pre-check transaction request are completely consistent with the formal transfer transaction process. Different request types are identified through the downstream service host interface. When the request type is identified as a pre-check transaction request, no actual account changes will be made. According to the pre-check results fed back by the target distributed cluster, the connectivity between all downstream service links involved in the transfer transaction and whether the business elements of the current transfer request are correct are detected.

[0031] S120: If the pre-check result fed back by the target distributed cluster is that the pre-check is successful, a transfer transaction request is generated, and the transfer transaction request is routed to the target distributed cluster, so that the target distributed cluster calls a transfer service to perform a transfer operation.

[0032] The successful pre-check is used to indicate that both the link connectivity check and the service element check have passed.

[0033] If the target distributed cluster returns the pre-check result, it indicates that the downstream services involved in the transfer transaction are in a healthy state and the links between the downstream services are connected. If the pre-check result fed back by the target distributed cluster is that the pre-check is successful, a transfer transaction request is generated and routed to the target distributed cluster, so that the target distributed cluster calls the transfer service to perform the transfer operation.

[0034] The embodiment of the present invention generates a pre-check transaction request according to the transfer transaction requirements of the business party before the real transfer operation is performed, and routes the pre-check transaction request to the target distributed cluster, so that the target distributed cluster calls the pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request. When the pre-check result fed back by the target distributed cluster is that the pre-check is successful, a transfer transaction request is generated, and the transfer transaction request is routed to the target distributed cluster, so that the target distributed cluster calls the transfer service to perform the transfer operation. The pre-check can provide instant feedback on whether the transaction is likely to succeed before the real transfer transaction occurs, avoiding the business party from waiting for the transaction to be submitted and then receiving a failure notification, and informing the business party of possible problems with the transaction in advance, such as insufficient balance, account abnormality, etc., to improve the user experience of the business party. By pre-checking, it is ensured that all business elements have met the necessary conditions for the transaction when the transaction request is submitted to the distributed cluster, reducing transaction failures caused by unsatisfied business elements and improving the success rate of the transaction. By pre-checking and ensuring that all downstream services involved in the transfer transaction are in normal condition and the links between downstream services are connected, the probability of unknown transactions caused by accounting application infrastructure problems (such as corporate database downtime, cloud infrastructure failure, etc.) can be reduced, and the unknown transactions returned to the business party can be reduced, thereby improving the business party's user experience.

[0035] In an optional implementation, it also includes: if the pre-check result fed back by the target distributed cluster is pre-check failure or pre-check unknown, the transaction is interrupted and a service exception error is fed back to the business party.

[0036] If the pre-check result fed back by the target distributed cluster is failed or unknown, the transaction will be immediately terminated and the service exception error will be fed back to the business party, which can effectively prevent potential system failures, ensure the security and reliability of transactions, improve user experience, and promote rapid troubleshooting and recovery.

[0037] Among them, if a feedback message is received from the target distributed cluster and the feedback message indicates that the business element is normal, the pre-check result is a successful pre-check; if a feedback message is received from the target distributed cluster and the feedback message indicates that the business element is abnormal, the pre-check result is a failed pre-check; otherwise, the pre-check result is an unknown pre-check.

[0038] Specifically, the target distributed cluster may not be able to feedback messages when the downstream service is unavailable or the call to the downstream service times out. If the target distributed cluster does not receive a feedback message for the pre-check transaction, the pre-check result is unknown, the real transfer transaction is not performed, and a prompt message such as "the system is busy, please try again later" is fed back to the business party. If the target distributed cluster receives a feedback message for the pre-check transaction, and the feedback message indicates that the business element is normal, the pre-check result is successful, a transfer transaction request is generated and routed to the target distributed cluster, so that the target distributed cluster calls the transfer service to perform the transfer operation. If the target distributed cluster receives a feedback message for the pre-check transaction, and the feedback message indicates that the business element is abnormal, such as an abnormal business element caused by account mismatch, insufficient balance, or expired bank card, the pre-check result is failed, the real transfer transaction is not performed, and the error message is returned to the business party, and the pre-check abnormal information is recorded.

[0039] By generating a pre-check transaction request based on the business party's transfer transaction requirements before the actual transfer operation is executed, the connectivity check is performed on the links between the downstream services involved in the transfer operation deployed on the distributed cluster. If the link is not connected, the transaction failure is directly returned, thereby reducing the impact of unknown transactions. By checking the business elements before the transfer transaction, the transactions that fail to transfer due to business errors are filtered in advance, thereby improving the business success rate of the transfer interface. Pre-checking and identifying business errors in advance can shorten transaction time, improve transaction execution efficiency, and optimize user experience. Problems in transfer transactions can be discovered in advance, rather than remedied afterwards, thereby avoiding the occurrence of large quantities of unknown transactions caused by infrastructure problems and reducing the manpower cost of rapid emergency processing.

[0040] Figure 2 2 is a second flow chart of a transfer processing method based on pre-checking provided by an embodiment of the present invention. This embodiment is optimized and improved on the basis of the above embodiment. Figure 2 As shown, the method includes:

[0041] S210: Generate a pre-check transaction request according to the transfer transaction requirements of the business party.

[0042] S220: Based on the load balancing strategy, the pre-check transaction request is routed to the first node in the target distributed cluster, so that the pre-check service in the first node calls the downstream service interface to check the business elements carried in the pre-check transaction request, and generates a communication link corresponding to the pre-check transaction request according to the calling path of the first node and the downstream service interface. The target distributed cluster calls the pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request.

[0043] According to the load conditions, processing capabilities, and preset load balancing algorithms (such as polling, random, minimum number of connections, etc.) of each node in the target distributed cluster, a relatively idle first node with strong processing capabilities is selected, and the pre-check transaction request is sent to the first node. The pre-check service in the first node calls the downstream service interface in sequence according to the execution process of the transaction request to check the business elements contained in the pre-check transaction request. At the same time, the complete call path starting from the first node and passing through each downstream service interface is recorded in detail, and a communication link corresponding to the pre-check transaction request is constructed accordingly. The pre-check transaction request is routed to the first node in the target distributed cluster through the load balancing strategy, so that the target distributed cluster calls the pre-check service to perform link connectivity check and business element check on the pre-check transaction request.

[0044] S230: If the pre-check result fed back by the target distributed cluster is that the pre-check is successful, a transfer transaction request is generated, and the communication link is reused to route the transfer transaction request to the target distributed cluster, so that the target distributed cluster calls a transfer service to perform a transfer operation.

[0045] The successful pre-check is used to indicate that both the link connectivity check and the service element check have passed.

[0046] If the pre-check result fed back by the target distributed cluster is that the pre-check is successful, it indicates that the downstream services involved in the current transfer transaction are in a healthy state, the links between the downstream services are connected, and the business elements carried in the current transfer transaction request have all passed the check. After the pre-check is successful, a transfer transaction request is generated, and the communication link generated during the execution of the pre-check transaction request is reused, that is, the first node of the target distributed cluster that executes the pre-check transaction request is used as the execution node of the transfer transaction request, and the transfer transaction request is executed according to the call path during the execution of the pre-check transaction request, so that the target distributed cluster calls the transfer service to perform the transfer operation.

[0047] The embodiment of the present invention performs a business element check before the transfer transaction, and filters in advance the transactions that have business errors that lead to unsuccessful transfers, thereby improving the business success rate of the transfer interface. Pre-checking and identifying business errors in advance can shorten transaction time, improve transaction execution efficiency, and optimize user experience. In view of the unstable transfer transaction service caused by the distributed environment, a pre-check is performed before executing the transfer transaction. Only when all downstream services involved in the transfer transaction execution process are in a healthy state and the links between the downstream services are connected, the real transfer transaction operation is performed, without the need to perform post-process remediation of transfer transaction anomalies through daily reversals, daily suspicious account inquiries, and adding end-of-day reconciliation functions. The embodiment of the present invention can discover problems in transfer transactions in advance instead of post-process remediation, thereby improving user experience; further avoiding the occurrence of large quantities of unknown transactions caused by infrastructure problems, and reducing the human cost of rapid emergency processing.

[0048] Figure 3 Schematic diagram of a transfer processing device based on pre-checking provided by an embodiment of the present invention. Figure 3 As shown, the device comprises:

[0049] The pre-check transaction module 310 is used to generate a pre-check transaction request according to the transfer transaction requirements of the business party, and route the pre-check transaction request to the target distributed cluster, so that the target distributed cluster calls the pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request;

[0050] The transfer transaction module 320 is used to generate a transfer transaction request if the pre-check result fed back by the target distributed cluster is a successful pre-check, and route the transfer transaction request to the target distributed cluster, so that the target distributed cluster calls the transfer service to perform the transfer operation; wherein the successful pre-check is used to indicate that both the link connectivity check and the business element check have passed.

[0051] The pre-check-based transfer processing device provided in the embodiment of the present invention can execute the pre-check-based transfer processing method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0052] Optionally, the pre-check transaction module is specifically used to: based on the load balancing strategy, route the pre-check transaction request to the first node in the target distributed cluster, so that the pre-check service in the first node calls the downstream service interface to check the business elements carried in the pre-check transaction request, and generate a communication link corresponding to the pre-check transaction request according to the calling path of the first node and the downstream service interface; wherein, routing the transfer transaction request to the target distributed cluster includes: multiplexing the communication link to route the transfer transaction request to the target distributed cluster.

[0053] Optionally, it also includes: a pre-check result module, which is used to interrupt the transaction and feedback a service exception error to the business party if the pre-check result fed back by the target distributed cluster is pre-check failure or pre-check unknown.

[0054] Optionally, the pre-check result module is specifically used to: if a feedback message is received from the target distributed cluster and the feedback message indicates that the business elements are normal, then the pre-check result is a successful pre-check; if a feedback message is received from the target distributed cluster and the feedback message indicates that the business elements are abnormal, then the pre-check result is a failed pre-check; otherwise, the pre-check result is an unknown pre-check.

[0055] Optionally, the business elements carried in the pre-check transaction request and the transfer transaction request are the same, but the request types are different.

[0056] Optionally, the business element includes at least one of the following: transfer amount, securities account information, bank account information or security verification information.

[0057] The transfer processing device based on pre-checking further described can also execute the transfer processing method based on pre-checking provided by any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0058] According to an embodiment of the present disclosure, the present disclosure also provides an electronic device, a readable storage medium and a computer program product.

[0059] Figure 4 A schematic diagram of the structure of an electronic device 40 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0060] like Figure 4As shown, the electronic device 40 includes at least one processor 41, and a memory connected to the at least one processor 41, such as a read-only memory (ROM) 42, a random access memory (RAM) 43, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 41 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 42 or the computer program loaded from the storage unit 48 to the random access memory (RAM) 43. In the RAM 43, various programs and data required for the operation of the electronic device 40 can also be stored. The processor 41, the ROM 42, and the RAM 43 are connected to each other through a bus 44. An input / output (I / O) interface 45 is also connected to the bus 44.

[0061] A number of components in the electronic device 40 are connected to the I / O interface 45, including: an input unit 46, such as a keyboard, a mouse, etc.; an output unit 47, such as various types of displays, speakers, etc.; a storage unit 48, such as a disk, an optical disk, etc.; and a communication unit 49, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 49 allows the electronic device 40 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0062] The processor 41 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 41 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 41 executes the various methods and processes described above, such as the transfer processing method based on pre-checking.

[0063] In some embodiments, the pre-check-based transfer processing method can be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 48. In some embodiments, part or all of the computer program can be loaded and / or installed on the electronic device 40 via the ROM 42 and / or the communication unit 49. When the computer program is loaded into the RAM 43 and executed by the processor 41, one or more steps of the pre-check-based transfer processing method described above can be performed. Alternatively, in other embodiments, the processor 41 can be configured to execute the pre-check-based transfer processing method in any other appropriate manner (for example, by means of firmware).

[0064] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0065] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0066] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0067] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0068] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0069] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0070] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0071] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for processing transfer based on pre-checking, characterized in that: include: Generate a pre-check transaction request according to the transfer transaction requirements of the business party, and route the pre-check transaction request to the target distributed cluster, so that the target distributed cluster calls the pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request; If the pre-check result fed back by the target distributed cluster is that the pre-check is successful, a transfer transaction request is generated, and the transfer transaction request is routed to the target distributed cluster, so that the target distributed cluster calls the transfer service to perform the transfer operation; The successful pre-check is used to indicate that both the link connectivity check and the service element check have passed.

2. The method according to claim 1, characterized in that: Routing the pre-check transaction request to a target distributed cluster includes: Based on the load balancing strategy, the pre-check transaction request is routed to the first node in the target distributed cluster, so that the pre-check service in the first node calls the downstream service interface to check the business elements carried in the pre-check transaction request, and generates a communication link corresponding to the pre-check transaction request according to the calling path of the first node and the downstream service interface; The step of routing the transfer transaction request to the target distributed cluster includes: The communication link is reused to route the transfer transaction request to the target distributed cluster.

3. The method according to claim 1, characterized in that Also includes: If the pre-check result fed back by the target distributed cluster is pre-check failure or pre-check unknown, the transaction is interrupted and a service exception error is fed back to the business party.

4. The method according to claim 3, characterized in that If a feedback message is received from the target distributed cluster, and the feedback message indicates that the service element is normal, the pre-check result is that the pre-check is successful; If a feedback message is received from the target distributed cluster, and the feedback message indicates that a service element is abnormal, the pre-check result is pre-check failure; Otherwise, the pre-check result is pre-check unknown.

5. The method according to claim 1, characterized in that: The business elements carried in the pre-check transaction request and the transfer transaction request are the same, but the request types are different.

6. The method according to any one of claims 1 to 5, characterized in that The business elements include at least one of the following: transfer amount, securities account information, bank account information or security verification information.

7. A transfer processing device based on pre-checking, characterized in that: The device comprises: A pre-check transaction module is used to generate a pre-check transaction request according to the transfer transaction requirements of the business party, and route the pre-check transaction request to a target distributed cluster, so that the target distributed cluster calls a pre-check service to perform a link connectivity check and a business element check on the pre-check transaction request; The transfer transaction module is used to generate a transfer transaction request if the pre-check result fed back by the target distributed cluster is a successful pre-check, and route the transfer transaction request to the target distributed cluster, so that the target distributed cluster calls the transfer service to perform the transfer operation; wherein the successful pre-check is used to indicate that both the link connectivity check and the business element check have passed.

8. An electronic device, characterized in that: include: one or more processors; A memory for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the pre-check-based transfer processing method as described in any one of claims 1 to 6.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the pre-check-based transfer processing method as described in any one of claims 1 to 6 is implemented.

10. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the computer program implements the transfer processing method based on pre-checking according to any one of claims 1 to 6.

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