Transaction processing method and device, electronic equipment and storage medium

Abstract

The invention discloses a transaction processing method and device, electronic equipment and a storage medium, and relates to the technical field of big data or other related fields, and the method comprises the steps: recognizing at least one transaction link related to a target account based on historical transaction data, and obtaining the link information of each transaction link; transaction frequencies of all accounts in the transaction link are monitored based on the link information, account attributes of each account are determined based on the transaction frequencies, and the account attributes comprise hotspot accounts and non-hotspot accounts; creating a virtual account, and creating an association relationship between the virtual account and all hotspot accounts in the transaction link; and after all the transaction funds are transferred to the virtual account, allocating the transaction funds based on the association relationship and the link information. Through application of the method and the device, the technical problem of low transaction efficiency caused by high server resource consumption due to complex transaction process during high-frequency hotspot batch transaction processing in related technologies is solved.

Description

Technical Field

[0001] The present invention relates to the field of big data technology or other related fields, and in particular to a transaction processing method and device, electronic equipment, and storage medium. Background Art

[0002] With the continuous expansion and deepening of business, more and more financial institutions are conducting business through online platforms, achieving seamless connection with financial consumers and financial products, thereby improving the level of financial services, meeting the increasingly rich financial needs of financial consumers, and improving the satisfaction of financial consumers.

[0003] In the current transaction processing of public sectors, especially in e-commerce, supply chain finance and other scenarios, the frequent occurrence of a large number of small transactions has led to the problem of complexity of transaction links. For example, in e-commerce activities, when thousands of consumers pay goods to specific public users (such as e-commerce platforms) within the same time period, these funds need to be quickly distributed to various shops on the platform, and the shops need to further pay the collected money to their respective suppliers. This series of payment activities will generate a large number of transaction requests in a short period of time. Each request requires the server to perform complex operations such as account verification and fund transfer, thus forming a long chain transaction path, significantly increasing the server's computing load.

[0004] In related technologies, two main methods are adopted to alleviate the pressure on the server: 1. By increasing server hardware resources (such as improving CPU processing capacity, increasing memory and disk space) in order to improve system processing speed and throughput without changing transaction processing logic. However, for occasional hotspot scenarios, the "hard upgrade" method is a waste of resources in long-term operations. The additional hardware configuration may be mostly idle in non-hotspot periods and the investment cost is high; 2. By adjusting the timing of transaction processing, the load of the server is reduced at the same time, such as extending the processing time of payment transactions, extending from 2 hours to 4 hours or longer, but sacrificing transaction efficiency, it has a negative impact on the user experience, especially in a transaction environment that requires immediate response, which may lead to a decline in user satisfaction, which in turn affects the operation and market competitiveness of the business.

[0005] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0006] The main purpose of this application is to provide a transaction processing method and its device, electronic device, and storage medium, so as to at least solve the technical problem in the related technology of low transaction efficiency due to complex transaction process and large server resource consumption when processing high-frequency hot spot batch transactions.

[0007] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a transaction processing method is provided, which includes: identifying at least one transaction link involved in a target account based on historical transaction data, and obtaining link information of each of the transaction links, wherein the link information is used to indicate the flow of funds of the target account; monitoring the transaction frequency of all accounts in the transaction link based on the link information, and determining the account attributes of each of the accounts based on the transaction frequency, wherein the account attributes include: hotspot accounts and non-hotspot accounts, and the transaction frequency of the hotspot accounts is greater than a preset hotspot threshold; creating a virtual account, and creating a new association relationship between the virtual account and all the hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot accounts to the virtual account; after all the transaction funds are transferred to the virtual account, allocating the transaction funds based on the association relationship and the link information.

[0008] Furthermore, the step of identifying at least one transaction link involved in the target account based on historical transaction data includes: obtaining the historical transaction data of the target account within a historical transaction period; analyzing the historical transaction data to obtain at least one transaction type involved in the target account; calling a historical transaction relationship graph, and determining at least one transaction link based on the historical transaction relationship graph and the at least one transaction type.

[0009] Furthermore, the step of obtaining link information of each of the transaction links includes: for each of the transaction types, querying the historical transaction relationship map to obtain the fund flow situation of the target account in the transaction link corresponding to the transaction type; determining the fund exchange relationship between the target account and other accounts based on the fund flow situation, wherein the other accounts refer to accounts other than the target account in the transaction link, and the fund exchange relationship includes: transfer-in relationship and transfer-out relationship; generating the link information based on the fund exchange relationship.

[0010] Furthermore, the step of identifying at least one transaction link involved in the target account based on historical transaction data and obtaining link information of each transaction link also includes: receiving a transaction list within a target transaction cycle provided by the target account; analyzing the transaction list to obtain R transaction types involved in the target account within the target transaction cycle, and the transaction link and the link information corresponding to each transaction type, wherein R is a positive integer.

[0011] Furthermore, the step of monitoring the transaction frequency of all the accounts based on the link information includes: obtaining the number of transactions of each of the accounts in a preset time window; calculating the average transaction interval duration of each of the accounts in the preset time window based on the number of transactions; and determining the transaction frequency of each of the accounts based on the number of transactions and the average transaction interval duration.

[0012] Furthermore, after monitoring the transaction frequencies of all the accounts based on the link information, it also includes: monitoring the transaction status of each of the transaction links within a preset time window based on the link information; when the transaction status indicates that the transaction link contains a hotspot account and the hotspot account undergoes a fund change within the preset time window, determining that the hotspot trigger result of the transaction link is a triggered hotspot; otherwise, determining that the hotspot trigger result of the transaction link is a non-triggered hotspot.

[0013] Furthermore, after creating the virtual account, the method further includes: for each transaction link, creating a new association relationship between the virtual account and the hotspot account according to the hotspot triggering result.

[0014] Furthermore, the step of allocating the transaction funds based on the association relationship and the link information includes: determining the target transfer account corresponding to each of the hotspot accounts based on the transfer relationship in the link information, and determining the transfer requirement of each of the target transfer accounts, wherein the transfer relationship is used to instruct the target account to transfer to the target transfer account, and the transfer requirement includes: a transfer ratio and a transfer amount; based on the transfer ratio and the transfer amount, allocating the transaction funds in the virtual account to each of the target transfer accounts.

[0015] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a transaction processing device is also provided, which includes: an acquisition unit, which is used to identify at least one transaction link involved in the target account based on historical transaction data, and obtain link information of each transaction link, wherein the link information is used to indicate the flow of funds of the target account; a determination unit, which is used to monitor the transaction frequency of all accounts in the transaction link based on the link information, and determine the account attributes of each account based on the transaction frequency, wherein the account attributes include: hotspot accounts and non-hotspot accounts, and the transaction frequency of the hotspot accounts is greater than a preset hotspot threshold; a creation unit, which is used to create a virtual account and create a new association relationship between the virtual account and all the hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account; an allocation unit, which is used to allocate the transaction funds based on the association relationship and the link information after all the transaction funds are transferred to the virtual account.

[0016] Furthermore, the acquisition unit includes: a first acquisition module, used to acquire the historical transaction data of the target account within a historical transaction period; a first analysis module, used to analyze the historical transaction data to obtain at least one transaction type involved in the target account; and a calling module, used to call a historical transaction relationship map, and determine at least one transaction link based on the historical transaction relationship map and the at least one transaction type.

[0017] Furthermore, the acquisition unit also includes: a query module, which is used to query the historical transaction relationship map for each transaction type to obtain the fund flow situation of the target account in the transaction link corresponding to the transaction type; a first determination module, which is used to determine the fund exchange relationship between the target account and other accounts based on the fund flow situation, wherein the other accounts refer to accounts other than the target account in the transaction link, and the fund exchange relationship includes: transfer-in relationship and transfer-out relationship; a generation module, which is used to generate the link information based on the fund exchange relationship.

[0018] Furthermore, the acquisition unit also includes: a receiving module, used to receive a transaction list within the target transaction cycle provided by the target account; a second analysis module, used to analyze the transaction list to obtain R transaction types involved in the target account within the target transaction cycle, and the transaction link and the link information corresponding to each transaction type, wherein R is a positive integer.

[0019] Furthermore, the determination unit includes: a second acquisition module, used to obtain the number of transactions of each of the accounts in a preset time window; a calculation module, used to calculate the average transaction interval duration of each of the accounts in the preset time window based on the number of transactions; and a second determination module, used to determine the transaction frequency of each of the accounts based on the number of transactions and the average transaction interval duration.

[0020] Furthermore, the transaction processing device also includes: a monitoring module, which is used to monitor the transaction frequency of all the accounts based on the link information, and then monitor the transaction status of each of the transaction links within a preset time window based on the link information; a third determination module, which is used to determine that the hotspot trigger result of the transaction link is a triggered hotspot when the transaction status indicates that the transaction link contains a hotspot account and the hotspot account has a fund change within the preset time window; otherwise, determine that the hotspot trigger result of the transaction link is a non-triggered hotspot.

[0021] Furthermore, the transaction processing device also includes: a new creation module, which is used to create the association relationship between the virtual account and the hotspot account for each transaction link according to the hotspot triggering result after the virtual account is created.

[0022] Furthermore, the allocation unit includes: a fourth determination module, used to determine the target transfer account corresponding to each of the hotspot accounts based on the transfer relationship in the link information, and determine the transfer requirements of each of the target transfer accounts, wherein the transfer relationship is used to instruct the target account to transfer to the target transfer account, and the transfer requirements include: a transfer ratio and a transfer amount; an allocation module, used to allocate the transaction funds in the virtual account to each of the target transfer accounts based on the transfer ratio and the transfer amount.

[0023] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer-readable storage medium is also provided, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the transaction processing methods described above.

[0024] In order to achieve the above-mentioned purpose, according to another aspect of the present application, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the transaction processing methods described above.

[0025] In the present invention, a transaction processing method is proposed, which first identifies at least one transaction link involved in a target account based on historical transaction data, and obtains link information of each transaction link, wherein the link information is used to indicate the capital flow of the target account, and then monitors the transaction frequency of all accounts in the transaction link based on the link information, and determines the account attributes of each account based on the transaction frequency, wherein the account attributes include: hotspot accounts and non-hotspot accounts, and the transaction frequency of the hotspot account is greater than a preset hotspot threshold, and then creates a virtual account, and creates an association relationship between the virtual account and all hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account, and finally, after all the transaction funds are transferred to the virtual account, the transaction funds are allocated based on the association relationship and the link information.

[0026] In the present invention, a method of creating virtual accounts for fund collection and allocation is adopted. By identifying transaction links and account attributes based on historical transaction data analysis and real-time monitoring of transaction frequency, the purpose of optimizing the hot spot batch transaction processing process and reducing server resource consumption is achieved, thereby achieving the technical effect of significantly improving transaction processing efficiency without increasing hardware costs. Specifically, by deeply analyzing historical transaction data, the transaction links related to the target account are identified, and the accounts in the link are classified to determine which accounts belong to hot spot accounts, that is, accounts with transaction frequencies far exceeding conventional accounts. In hot spot transaction scenarios, virtual accounts are introduced as temporary collection points for funds, and fund transfers that originally need to be made to multiple hot spot accounts are concentrated together, and then funds are uniformly allocated through virtual accounts. This can not only simplify the transaction process, reduce the number of database operations, and reduce the processing pressure of the server, but also avoid the problems caused by blindly increasing hardware resources or extending transaction time in hot spot scenarios, thereby improving transaction processing efficiency and user experience, thereby solving the technical problem of low transaction efficiency due to complex transaction processes and large server resource consumption in related technologies when processing high-frequency hot spot batch transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0028] Figure 1 A hardware structure block diagram of a computer terminal for implementing a transaction processing method is shown;

[0029] Figure 2 is a flow chart of an optional transaction processing method according to an embodiment of the present invention;

[0030] Figure 3 is a schematic diagram of an optional transaction processing device according to an embodiment of the present invention;

[0031] Figure 4 It is a structural block diagram of an electronic device used for a transaction processing method according to an embodiment of the present invention. DETAILED DESCRIPTION

[0032] 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.

[0033] 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.

[0034] It should be noted that the transaction processing method and device thereof in the present application can be used in the field of big data technology when real-time analysis and rapid processing of hot batch transaction data are performed, and can also be used in any field other than the field of big data technology when real-time analysis and rapid processing of hot batch transaction data are performed. The present application does not limit the application field of the transaction processing method and device thereof.

[0035] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, processing, transmission, provision, disclosure, use and processing of the relevant data comply with the laws, regulations and standards of the relevant regions, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or organizations. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0036] The information collection (for example, user voice, video, and text collection) and analysis operations involved in this application have provided users with corresponding operation entrances when they are executed, allowing users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.

[0037] The following embodiments of the present invention can be applied to various systems / applications / devices that require hotspot identification and batch transaction optimization processing, and can achieve efficient and low-cost transaction processing. The present invention uses big data analysis technology to intelligently identify transaction links, and then centrally processes the capital flow of hotspot accounts by creating virtual accounts, which can better reduce the server burden, improve transaction processing speed, and ensure that a smooth and fast service experience can be provided even in high-concurrency transaction scenarios.

[0038] Specifically, the technical solution of the present invention is particularly suitable for transaction processing systems in the fields of financial services, e-commerce, supply chain management, etc. The above systems need to have the ability to respond quickly and efficiently when encountering a large number of users conducting transactions at the same time or a surge in transactions caused by specific events (such as shopping festivals and promotions). Through the embodiments of the present invention, the above system can automatically identify transaction hotspots, use virtual accounts to collect and allocate funds in batches, avoid the waste of resources and inefficiency caused by frequent account verification and fund transfers in traditional methods, thereby significantly improving the efficiency of transaction processing and user experience while ensuring transaction security and compliance.

[0039] The present invention is described in detail below in conjunction with various embodiments.

[0040] Embodiment 1

[0041] According to an embodiment of the present invention, an embodiment of a transaction processing method is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0042] The method embodiment provided in the first embodiment of the present invention may be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing the transaction processing method is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more (102a, 102b, ..., 102n are used to illustrate) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0043] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0044] The memory 104 can be used to store software programs and modules of application software, such as program instructions / data storage devices corresponding to the transaction processing method in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the above-mentioned transaction processing method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0045] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0046] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0047] Under the above operating environment, the present invention provides Figure 2The transaction processing method shown is implemented by a financial service or e-commerce system, and is combined with big data analysis technology for high-frequency corporate batch transaction scenarios, especially to solve the problems of large server resource consumption and low transaction processing efficiency during transaction hotspots. By creating and utilizing virtual accounts to achieve the purpose of optimizing transaction processes, reducing server resource consumption, and improving transaction efficiency, it can effectively cope with the transaction peaks encountered by financial services or e-commerce systems in a big data environment, and achieve rapid response and efficient processing of hot batch transactions through intelligent transaction link analysis and virtual account mechanisms, ensuring the timeliness of transactions and the stability of system operation, while reducing the cost of hardware resource investment and improving overall service quality and customer satisfaction.

[0048] The embodiment of the present invention is described in detail below in combination with the above steps.

[0049] Figure 2 is a flow chart of an optional transaction processing method according to an embodiment of the present invention, such as Figure 2 As shown, the method comprises the following steps:

[0050] Step S201: Identify at least one transaction link involved in a target account based on historical transaction data, and obtain link information of each transaction link, wherein the link information is used to indicate the fund flow of the target account.

[0051] Specifically, historical transaction data refers to all transaction records of the target account within a specific historical period, including but not limited to: transaction time, transaction amount, counterparty information, transaction type (such as purchase, refund, transfer, etc.), etc. Historical transaction data is stored in the database. By analyzing historical transaction data, the account's transaction patterns, habits and regularities can be identified, thereby providing a basis for subsequent transaction link identification and hotspot monitoring.

[0052] The target account can be any account that exhibits a hot trading pattern in historical trading data, especially an account that may face a large number of trading requests during a certain event or time period.

[0053] A transaction link refers to the path of funds flowing between a target account and one or more downstream accounts (or upstream accounts). It consists of a series of related transactions and is used to show how funds start from one account, pass through a series of intermediate accounts, and finally reach the destination account. A transaction link can be a simple point-to-point transaction or a complex multi-account transaction network.

[0054] Link information is detailed data describing the characteristics and status of a transaction link, including but not limited to: number of accounts (the total number of accounts involved in a transaction link); transaction frequency (the number of transactions that occur per account per unit time); average transaction amount (the average amount of each transaction in a transaction link); transaction interval (the time interval between consecutive transactions, used to analyze the periodicity and regularity of transactions); transaction type (the nature of the transaction, such as purchase, refund, transfer, etc.); counterparty information (basic information of each account in a transaction link, including account type, industry, etc.). Link information is used to indicate the flow of funds of the target account in the transaction link, and is an important basis for determining whether a transaction link has become a hotspot.

[0055] Funds flow refers to the flow of funds from one account to another in the transaction chain, including the direction, volume and speed of funds. By analyzing the flow of funds, it is possible to identify whether there is an account that frequently receives or sends funds within a certain period of time, and whether the flow of funds presents an abnormal pattern.

[0056] In step S201, the embodiment of the present invention uses data mining and analysis technology to identify at least one transaction link based on the historical transaction data of the target account, and obtains the link information of each transaction link. Through in-depth analysis of the link information, the flow pattern and status of funds between the target account and its upstream and downstream accounts are understood, providing data support for subsequent monitoring of transaction hotspots and optimization of transaction processes.

[0057] Optionally, the step of identifying at least one transaction link involved in the target account based on historical transaction data includes: obtaining historical transaction data of the target account within a historical transaction period; analyzing the historical transaction data to obtain at least one transaction type involved in the target account; calling a historical transaction relationship graph, and determining at least one transaction link based on the historical transaction relationship graph and at least one transaction type.

[0058] It should be noted that a historical transaction period is selected based on the transaction pattern and periodicity of hot events that need to be analyzed (which can be one month, one quarter, one year, etc.), and all transaction records of the target account within this selected period are extracted from the database. The historical transaction data includes at least: transaction details between the target account and other accounts, such as transaction time, transaction amount, transaction type (purchase, refund, transfer, etc.) and counterparty information.

[0059] The embodiments of the present invention can perform in-depth analysis on the historical transaction data extracted above through data mining techniques such as statistical analysis, cluster analysis, and pattern recognition, identify various transaction types involved by the target account, and further focus on specific types of transaction activities to improve the accuracy and pertinence of transaction link identification.

[0060] Another thing that needs to be explained is that the historical transaction relationship map is a visualization tool that displays the transaction relationship between accounts in the form of a graph, where nodes represent accounts and edges represent transactions. In the embodiment of the present invention, the historical transaction relationship map is called to determine the transaction link involved in the target account through graph analysis technology (such as graph algorithm, path analysis, etc.) and at least one identified transaction type. It can not only identify the upstream and downstream accounts that directly trade with the target account, but also discover deeper multi-level transaction links.

[0061] Optionally, the step of obtaining link information of each transaction link includes: for each transaction type, querying the historical transaction relationship map to obtain the fund flow of the target account in the transaction link corresponding to the transaction type; determining the fund exchange relationship between the target account and other accounts based on the fund flow situation, wherein other accounts refer to accounts other than the target account in the transaction link, and the fund exchange relationship includes: transfer-in relationship and transfer-out relationship; and generating link information based on the fund exchange relationship.

[0062] For each transaction type, the historical transaction relationship map is further queried to obtain detailed fund flow information of the target account in the transaction link of this type, including: transaction amount, transaction frequency, transaction time, etc. between the target account and upstream and downstream accounts. By analyzing the fund flow in the historical transaction data, the fund transfer relationship between the target account and other accounts is identified, where the transfer-in relationship indicates the source of funds received by the target account, and the transfer-out relationship indicates the destination of funds paid by the target account to the outside, thereby generating link information that specifically describes the characteristics of each transaction link.

[0063] It should be noted that link information not only includes basic information such as the number of accounts, transaction frequency and average transaction amount, but also covers the speed and periodicity of capital flow and other characteristics related to specific transaction types, such as the industry attributes and geographical location of the counterparties, which are crucial for subsequent hot spot monitoring, the establishment of virtual accounts and the implementation of capital distribution logic.

[0064] In addition to automatically analyzing historical transaction data to identify transaction links and obtain link information, the embodiment of the present invention also provides an optional processing method, namely, assisting in completing this process by receiving a transaction list provided by the target account, thereby increasing the flexibility of the system and the participation of users.

[0065] Optionally, the step of identifying at least one transaction link involved in the target account based on historical transaction data and obtaining link information of each transaction link also includes: receiving a transaction list within a target transaction cycle provided by the target account; analyzing the transaction list to obtain R transaction types involved in the target account within the target transaction cycle, as well as the transaction links and link information corresponding to each transaction type, where R is a positive integer.

[0066] The embodiment of the present invention allows the target account to upload or submit a detailed transaction list within a specific transaction period (e.g., the most recent month, a quarter, etc.), and the transaction list contains detailed information on all transactions conducted by the target account, such as transaction time, transaction amount, counterparty account, transaction type (e.g., purchase, refund, transfer, etc.), and any additional transaction notes or instructions. In addition, the transaction list provided by the target account can be in the form of a spreadsheet, a text file, or a data stream submitted through a specific interface.

[0067] The embodiment of the present invention identifies multiple transaction types involved in the target account during the transaction cycle through data processing and classification algorithms, obtains a full picture of the transaction types involved by the target account, and provides data support for further transaction link identification and link information acquisition. The technologies or methods that can be used in the analysis process include: text analysis, that is, parsing the transaction type description in the transaction list and classifying it into predefined transaction types; machine learning, that is, using the trained classification model to identify the type of transactions in the transaction list; business rule matching, that is, matching the transaction information in the transaction list with the preset business rules to determine the transaction type.

[0068] For each transaction type involved in the target account within the target transaction cycle, the transaction list can be analyzed based on the counterparty account information and transaction mode, and then the transaction link corresponding to the transaction type can be identified. For example, the system can identify the transaction link in which the target account pays multiple downstream accounts through a certain transaction type. Subsequently, link information is generated for each identified transaction link, including but not limited to: transaction frequency, average transaction amount, counterparty account information, transaction time interval, etc., which is used to comprehensively reflect the characteristics and status of capital flow in the transaction link.

[0069] Step S202, monitoring the transaction frequency of all accounts in the transaction link based on the link information, and determining the account attributes of each account based on the transaction frequency, wherein the account attributes include: hotspot accounts and non-hotspot accounts, and the transaction frequency of the hotspot account is greater than a preset hotspot threshold.

[0070] Specifically, transaction frequency refers to the number and frequency of transactions executed by each account within a preset time window. Monitoring transaction frequency can identify accounts with abnormally active transactions, i.e., hot accounts, and ordinary accounts with normal transactions, i.e., non-hot accounts.

[0071] Optionally, the step of monitoring the transaction frequency of all accounts based on link information includes: obtaining the number of transactions of each account in a preset time window; calculating the average transaction interval duration of each account in the preset time window based on the number of transactions; and determining the transaction frequency of each account based on the number of transactions and the average transaction interval duration.

[0072] It should be noted that the number of transactions of each account is counted within the preset time window, and the transaction interval of each account is further calculated, that is, the time difference between two transactions is calculated, and then the average is taken to obtain the average transaction interval, and then the transaction frequency is obtained. The shorter the transaction interval, the higher the transaction frequency is usually. Accounts with high transaction frequencies will be marked as hot accounts, otherwise they will be non-hot accounts.

[0073] Optionally, after monitoring the transaction frequency of all accounts based on the link information, it also includes: monitoring the transaction status of each transaction link within a preset time window based on the link information; when the transaction status indicates that the transaction link contains a hotspot account, and the hotspot account has a fund change within the preset time window, determining the hotspot trigger result of the transaction link as a triggered hotspot, otherwise, determining the hotspot trigger result of the transaction link as a non-triggered hotspot.

[0074] In addition to monitoring the transaction frequency, the embodiment of the present invention can also continue to monitor the capital flow of the transaction link within a preset time window, including but not limited to: transaction frequency, change trend of transaction amount, etc.

[0075] For each monitored transaction link, if at least one account is found to be marked as a hotspot account, and the funds of this account have changed significantly within the preset time window (i.e., the amount of funds inflow or outflow has increased significantly), then the hotspot trigger result of the transaction link is deemed to be a triggered hotspot; if there is no hotspot account in the transaction link, or there is a hotspot account but its funds change is not obvious, then the hotspot trigger result is not a triggered hotspot.

[0076] Optionally, after creating the virtual account, the method further includes: for each transaction link, creating an association relationship between the virtual account and the hotspot account according to the hotspot triggering result.

[0077] Once the hotspot trigger result of a transaction link is determined to be a trigger hotspot, a virtual account will be created and associated with the hotspot account in the transaction link. The purpose is to concentrate the transactions of the hotspot account into the virtual account so as to more efficiently collect and distribute funds, thereby reducing server pressure and increasing transaction processing speed.

[0078] The embodiment of the present invention accurately identifies hot accounts with abnormally active transactions by monitoring the transaction frequency and fund changes of all accounts in the transaction link, dynamically adjusts the transaction strategy, enables the virtual account mechanism, and centrally processes the transactions of the hot accounts, thereby improving transaction processing efficiency and reducing server resource consumption.

[0079] The monitoring of the transaction frequency and fund changes of accounts in the transaction link by the embodiments of the present invention helps the system to promptly discover abnormal transactions, reduce transaction risks, and ensure transaction security. By optimizing the transaction processing flow, transaction delays are reduced, and the transaction success rate is increased, the user experience in high-frequency transaction scenarios is enhanced.

[0080] In the above steps, by monitoring the transaction frequency of accounts in the transaction link, identifying hot accounts, and dynamically adjusting transaction strategies based on hot trigger results, it can not only effectively improve transaction processing efficiency, but also reduce transaction risks, providing users with a safer and faster transaction experience.

[0081] Step S203, creating a virtual account, and creating a new association relationship between the virtual account and all hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account.

[0082] When a hotspot account is detected in the transaction link, that is, an account whose transaction frequency exceeds the preset hotspot threshold, a virtual account is created. A virtual account is a temporary account used to collect and allocate transaction funds. It does not correspond to any actual user or entity. The purpose of creating a virtual account is to centrally process transactions of hotspot accounts and avoid frequent access to the database, thereby reducing server load and improving transaction processing efficiency.

[0083] Subsequently, an association relationship is established between the virtual account and all hotspot accounts in the transaction chain. This association relationship is used to define that all transaction funds to be transferred to the hotspot account should first be transferred to the virtual account, rather than directly conducting point-to-point transfers. After the funds flow into the virtual account, they are uniformly processed and allocated to simplify the transaction process.

[0084] Step S204: after all the transaction funds are transferred to the virtual account, the transaction funds are allocated based on the association relationship and link information.

[0085] When all transaction funds to be transferred to the hotspot account are successfully transferred to the virtual account, the transaction funds are intelligently allocated based on the previously established association relationship and the transfer relationship in the link information, aiming to allocate the funds in the virtual account to all target transfer accounts according to the target of the original transaction link, that is, accounts that have a direct or indirect fund exchange relationship with the hotspot account.

[0086] Optionally, the step of allocating transaction funds based on the association relationship and link information includes: determining the target transfer account corresponding to each hotspot account based on the transfer relationship in the link information, and determining the transfer requirement of each target transfer account, wherein the transfer relationship is used to instruct the target account to transfer to the target transfer account, and the transfer requirement includes: transfer ratio and transfer amount; based on the transfer ratio and transfer amount, allocating the transaction funds in the virtual account to each target transfer account.

[0087] The embodiment of the present invention identifies the next transaction link that has direct or indirect fund exchange with each hotspot account, that is, the target transfer account, by analyzing the transfer relationship in the link information. The target transfer account can be a downstream merchant account, supplier account or other account that needs to receive funds.

[0088] Furthermore, the transfer requirements of each target transfer-out account are determined, including the transfer ratio and transfer amount. The transfer ratio refers to the percentage of the amount of funds allocated to the target transfer-out account from the virtual account to the total transaction amount; the transfer amount refers to the maximum amount of funds allocated to the target transfer-out account. It should be noted that if the amount of funds calculated by the transfer ratio of the target transfer-out account exceeds its transfer amount, the actual transfer amount will be limited to the transfer amount.

[0089] The embodiment of the present invention also allocates the transaction funds in the virtual account according to the transfer requirements of the target transfer-out account, i.e., the transfer ratio and the transfer amount. First, the amount of funds that each target transfer-out account should receive is calculated according to the transfer ratio; then, the amount of funds is compared with the transfer amount of the target transfer-out account, and the smaller value is taken for actual transfer, thereby ensuring the accurate flow of transaction funds and taking into account the transfer amount limit of the target transfer-out account to avoid exceeding the expected fund receiving capacity of the account.

[0090] The beneficial effects of the above steps include: 1. Reduced server pressure. By creating virtual accounts to centrally process transaction funds, frequent visits to hot accounts are avoided, the pressure on database operations is significantly reduced, and the processing efficiency of the server is improved; 2. Optimized transaction processes. The use of virtual accounts simplifies the transaction process and converts multiple point-to-point transfers into one centralized processing, reducing transaction delays and increasing transaction success rates; 3. Convenient fund management. The intelligent allocation mechanism between virtual accounts and target transfer accounts makes fund management more convenient. Users can track the flow of funds more clearly and ensure accurate allocation of funds; 4. Enhanced risk control: Funds are centrally allocated through virtual accounts, which helps the system better control risks, promptly detect and handle abnormal transactions, and ensure transaction security; 5. Improved user experience. The optimization of transaction processes, the convenience of fund management, and the enhancement of risk control have jointly improved the user experience in high-frequency trading scenarios, making transaction processing smoother, safer and more efficient.

[0091] Through the above steps S201 to S204, at least one transaction link involved in the target account can be identified based on historical transaction data, and link information of each transaction link can be obtained, wherein the link information is used to indicate the flow of funds of the target account, and then the transaction frequency of all accounts in the transaction link can be monitored based on the link information, and the account attributes of each account can be determined based on the transaction frequency, wherein the account attributes include: hotspot accounts and non-hotspot accounts, and the transaction frequency of hotspot accounts is greater than a preset hotspot threshold, and then a virtual account is created, and an association relationship between the virtual account and all hotspot accounts is newly created in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account, and finally, after all the transaction funds are transferred to the virtual account, the transaction funds are allocated based on the association relationship and link information.

[0092] In the embodiment of the present invention, a method of creating a virtual account for fund collection and allocation is adopted. By identifying the transaction link and account attributes based on historical transaction data analysis and real-time monitoring of transaction frequency, the purpose of optimizing the hot spot batch transaction processing process and reducing server resource consumption is achieved, thereby achieving the technical effect of significantly improving transaction processing efficiency without increasing hardware costs. Specifically, the transaction link related to the target account is identified by in-depth analysis of historical transaction data, and the accounts in the link are classified to determine which accounts belong to hot spot accounts, that is, accounts with transaction frequencies far exceeding conventional accounts. In the hot spot transaction scenario, a virtual account is introduced as a temporary collection point for funds, and the fund transfers that originally needed to be made to multiple hot spot accounts are concentrated together, and then the funds are uniformly allocated through the virtual account. This can not only simplify the transaction process, reduce the number of database operations, and reduce the processing pressure of the server, but also avoid the problems caused by blindly increasing hardware resources or extending transaction time in hot spot scenarios, improve the efficiency of transaction processing and user experience, and thus solve the technical problem of low transaction efficiency due to complex transaction process and large server resource consumption in the related technology when processing high-frequency hot spot batch transactions.

[0093] The present invention is described below in conjunction with another optional embodiment.

[0094] Embodiment 2

[0095] An embodiment of the present invention also provides a transaction processing device. It should be noted that the transaction processing device of the embodiment of the present invention includes multiple implementation units, which can be used to execute the transaction processing method provided in the above-mentioned embodiment one, and each implementation unit corresponds to each implementation step in the above-mentioned embodiment one.

[0096] Figure 3 is a schematic diagram of an optional transaction processing device according to an embodiment of the present invention, such as Figure 3As shown, the device may include: an acquisition unit 31, a determination unit 32, a creation unit 33, and an allocation unit 34.

[0097] The acquisition unit 31 is used to identify at least one transaction link involved in the target account based on the historical transaction data, and acquire link information of each transaction link, wherein the link information is used to indicate the fund flow of the target account.

[0098] The determination unit 32 is used to monitor the transaction frequency of all accounts in the transaction link based on the link information, and determine the account attributes of each account based on the transaction frequency, wherein the account attributes include: hotspot accounts and non-hotspot accounts, and the transaction frequency of the hotspot account is greater than a preset hotspot threshold.

[0099] The creation unit 33 is used to create a virtual account and establish a new association relationship between the virtual account and all hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account.

[0100] The allocating unit 34 is used to allocate the transaction funds based on the association relationship and link information after all the transaction funds are transferred to the virtual account.

[0101] The above-mentioned transaction processing device can first identify at least one transaction link involved in the target account based on historical transaction data through the acquisition unit 31, and obtain the link information of each transaction link, wherein the link information is used to indicate the flow of funds of the target account, and then monitor the transaction frequency of all accounts in the transaction link based on the link information through the determination unit 32, and determine the account attributes of each account based on the transaction frequency, wherein the account attributes include: hotspot accounts and non-hotspot accounts, and the transaction frequency of the hotspot account is greater than the preset hotspot threshold, and then create a virtual account through the creation unit 33, and create a new association relationship between the virtual account and all hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account, and finally, after all the transaction funds are transferred to the virtual account, the allocation unit 34 allocates the transaction funds based on the association relationship and the link information.

[0102] In an embodiment of the present invention, a method of creating a virtual account for fund collection and allocation is adopted. By identifying transaction links and account attributes based on historical transaction data analysis and real-time monitoring of transaction frequency, the purpose of optimizing the hot spot batch transaction processing process and reducing server resource consumption is achieved, thereby achieving a technical effect of significantly improving transaction processing efficiency without increasing hardware costs. Specifically, by deeply analyzing historical transaction data, the transaction links related to the target account are identified, and the accounts in the link are classified to determine which accounts belong to hot spot accounts, that is, accounts with transaction frequencies far exceeding conventional accounts. In hot spot transaction scenarios, virtual accounts are introduced as temporary collection points for funds, and fund transfers that originally needed to be made to multiple hot spot accounts are concentrated together, and then funds are uniformly allocated through virtual accounts. This can not only simplify the transaction process, reduce the number of database operations, and reduce the processing pressure of the server, but also avoid the problems caused by blindly increasing hardware resources or extending transaction time in hot spot scenarios, thereby improving transaction processing efficiency and user experience, thereby solving the technical problem of low transaction efficiency due to complex transaction processes and large server resource consumption in related technologies when processing high-frequency hot spot batch transactions.

[0103] Optionally, the acquisition unit includes: a first acquisition module, used to acquire historical transaction data of the target account within a historical transaction period; a first analysis module, used to analyze the historical transaction data to obtain at least one transaction type involving the target account; and a calling module, used to call a historical transaction relationship map, and determine at least one transaction link based on the historical transaction relationship map and at least one transaction type.

[0104] Optionally, the acquisition unit also includes: a query module, which is used to query the historical transaction relationship map for each transaction type to obtain the capital flow of the target account in the transaction link corresponding to the transaction type; a first determination module, which is used to determine the capital exchange relationship between the target account and other accounts based on the capital flow situation, wherein other accounts refer to accounts other than the target account in the transaction link, and the capital exchange relationship includes: transfer-in relationship and transfer-out relationship; a generation module, which is used to generate link information based on the capital exchange relationship.

[0105] Optionally, the acquisition unit also includes: a receiving module, used to receive a transaction list within a target transaction cycle provided by the target account; a second analysis module, used to analyze the transaction list to obtain R transaction types involved in the target account within the target transaction cycle, and the transaction link and link information corresponding to each transaction type, where R is a positive integer.

[0106] Optionally, the determination unit includes: a second acquisition module, used to obtain the number of transactions of each account in a preset time window; a calculation module, used to calculate the average transaction interval duration of each account in the preset time window based on the number of transactions; and a second determination module, used to determine the transaction frequency of each account based on the number of transactions and the average transaction interval duration.

[0107] Optionally, the transaction processing device also includes: a monitoring module, which is used to monitor the transaction frequency of all accounts based on the link information, and then monitor the transaction status of each transaction link within a preset time window based on the link information; a third determination module, which is used to determine that the hotspot trigger result of the transaction link is a triggered hotspot when the transaction status indicates that the transaction link contains a hotspot account and the hotspot account has a fund change within the preset time window; otherwise, determine that the hotspot trigger result of the transaction link is a non-triggered hotspot.

[0108] Optionally, the transaction processing device further includes: a new creation module, which is used to create an association relationship between the virtual account and the hotspot account for each transaction link according to the hotspot triggering result after the virtual account is created.

[0109] Optionally, the allocation unit includes: a fourth determination module, used to determine the target transfer account corresponding to each hotspot account based on the transfer relationship in the link information, and determine the transfer requirements of each target transfer account, wherein the transfer relationship is used to instruct the target account to transfer to the target transfer account, and the transfer requirements include: a transfer ratio and a transfer amount; an allocation module, used to allocate the transaction funds in the virtual account to each target transfer account based on the transfer ratio and the transfer amount.

[0110] It should be noted that the acquisition unit 31, the determination unit 32, the creation unit 33, and the allocation unit 34 correspond to steps S201 to S204 in the first embodiment, and the examples and application scenarios implemented by the above units and the corresponding steps are the same, but are not limited to the contents disclosed in the first embodiment. It should be noted that the above modules or units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above modules or units can also be part of the device and can be run in the computer terminal 10 provided in the first embodiment.

[0111] The present invention is described below in conjunction with another optional embodiment.

[0112] Embodiment 3

[0113] An embodiment of the present invention may also provide an electronic device, Figure 4 is a structural block diagram of an electronic device for executing a transaction processing method according to an embodiment of the present invention. Figure 4As shown, the electronic device may include: one or more ( Figure 4 (only one is shown) processor 402, memory 404, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0114] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0115] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: identify at least one transaction link involved in the target account based on historical transaction data, and obtain link information of each transaction link, wherein the link information is used to indicate the flow of funds of the target account; monitor the transaction frequency of all accounts in the transaction link based on the link information, and determine the account attributes of each account based on the transaction frequency, wherein the account attributes include: hotspot accounts and non-hotspot accounts, and the transaction frequency of the hotspot account is greater than a preset hotspot threshold; create a virtual account, and create an association relationship between the virtual account and all hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account; after all the transaction funds are transferred to the virtual account, the transaction funds are allocated based on the association relationship and link information.

[0116] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: obtain historical transaction data of the target account within the historical transaction period; analyze the historical transaction data to obtain at least one transaction type involving the target account; call the historical transaction relationship map, and determine at least one transaction link based on the historical transaction relationship map and at least one transaction type.

[0117] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: for each transaction type, query the historical transaction relationship map to obtain the fund flow of the target account in the transaction link corresponding to the transaction type; determine the fund exchange relationship between the target account and other accounts based on the fund flow, where other accounts refer to accounts other than the target account in the transaction link, and the fund exchange relationship includes: transfer-in relationship and transfer-out relationship; generate link information based on the fund exchange relationship.

[0118] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: receive a transaction list within the target transaction cycle provided by the target account; analyze the transaction list to obtain R transaction types involved in the target transaction cycle, as well as the transaction links and link information corresponding to each transaction type, where R is a positive integer.

[0119] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: obtain the number of transactions of each account in the preset time window; calculate the average transaction interval duration of each account in the preset time window based on the number of transactions; determine the transaction frequency of each account based on the number of transactions and the average transaction interval duration.

[0120] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: monitor the transaction status of each transaction link within a preset time window based on the link information; when the transaction status indicates that the transaction link contains a hotspot account and the hotspot account has a change of funds within the preset time window, determine that the hotspot trigger result of the transaction link is a triggered hotspot; otherwise, determine that the hotspot trigger result of the transaction link is a non-triggered hotspot.

[0121] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: for each transaction link, a new association relationship between the virtual account and the hotspot account is created according to the hotspot triggering result.

[0122] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: determine the target transfer account corresponding to each hotspot account based on the transfer relationship in the link information, and determine the transfer requirements of each target transfer account, wherein the transfer relationship is used to instruct the target account to transfer to the target transfer account, and the transfer requirements include: transfer ratio and transfer amount; based on the transfer ratio and transfer amount, the transaction funds in the virtual account are allocated to each target transfer account.

[0123] The embodiment of the present invention provides a transaction processing scheme. By creating a virtual account for fund collection and allocation, the purpose of optimizing the hot spot batch transaction processing process and reducing server resource consumption is achieved by identifying the transaction link and account attributes based on historical transaction data analysis and real-time monitoring of transaction frequency, thereby achieving the technical effect of significantly improving transaction processing efficiency without increasing hardware costs. Specifically, by deeply analyzing historical transaction data to identify the transaction link related to the target account, and classifying the accounts in the link, it is determined which accounts belong to hot spot accounts, that is, accounts with transaction frequencies far exceeding conventional accounts. In the hot spot transaction scenario, a virtual account is introduced as a temporary collection point for funds, and the fund transfers that originally need to be made to multiple hot spot accounts are concentrated together, and then the funds are uniformly allocated through the virtual account. This can not only simplify the transaction process, reduce the number of database operations, and reduce the processing pressure of the server, but also avoid the problems caused by blindly increasing hardware resources or extending transaction time in the hot spot scenario, improve the efficiency of transaction processing and user experience, and thus solve the technical problem of low transaction efficiency due to complex transaction process and large server resource consumption in the related technology when processing high-frequency hot spot batch transactions.

[0124] It can be understood by those skilled in the art that Figure 4 The structure shown is for illustration only, and the electronic device may also be a smart phone, a tablet computer, a PDA, a mobile Internet device (MID), a PAD or other terminal device. Figure 4 The structure of the electronic device is not limited. Figure 4 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 4 Different configurations are shown.

[0125] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0126] The present invention is described below in conjunction with another optional embodiment.

[0127] Embodiment 4

[0128] The embodiment of the present invention further provides a computer-readable storage medium. Optionally, in the embodiment of the present invention, the computer-readable storage medium can be used to store the program code executed by the transaction processing method provided in the first embodiment.

[0129] Optionally, in an embodiment of the present invention, the above-mentioned storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0130] An embodiment of the present invention also provides a computer program product, which is a program suitable for executing the steps of a transaction processing method when executed on a data processing device: identifying at least one transaction link involved in a target account based on historical transaction data, and obtaining link information of each transaction link, wherein the link information is used to indicate the flow of funds of the target account; monitoring the transaction frequency of all accounts in the transaction link based on the link information, and determining the account attributes of each account based on the transaction frequency, wherein the account attributes include: hotspot accounts and non-hotspot accounts, and the transaction frequency of hotspot accounts is greater than a preset hotspot threshold; creating a virtual account, and creating an association relationship between the virtual account and all hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account; after all the transaction funds are transferred to the virtual account, allocating the transaction funds based on the association relationship and the link information.

[0131] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0132] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0133] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0134] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0135] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0136] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0137] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A transaction processing method, characterized in that: include: Identify at least one transaction link involved in the target account based on historical transaction data, and obtain link information of each transaction link, wherein the link information is used to indicate the fund flow of the target account; Monitoring the transaction frequency of all accounts in the transaction link based on the link information, and determining the account attribute of each of the accounts based on the transaction frequency, wherein the account attribute includes: a hotspot account and a non-hotspot account, and the transaction frequency of the hotspot account is greater than a preset hotspot threshold; Creating a virtual account, and creating a new association relationship between the virtual account and all the hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account; After all the transaction funds are transferred to the virtual account, the transaction funds are allocated based on the association relationship and the link information.

2. The transaction processing method according to claim 1, characterized in that: The step of identifying at least one transaction link involved in the target account based on historical transaction data includes: Acquire the historical transaction data of the target account within a historical transaction period; Analyzing the historical transaction data to obtain at least one transaction type involved in the target account; A historical transaction relationship map is called, and at least one of the transaction links is determined based on the historical transaction relationship map and the at least one transaction type.

3. The transaction processing method according to claim 2, characterized in that: The step of obtaining link information of each transaction link comprises: For each of the transaction types, query the historical transaction relationship graph to obtain the fund flow of the target account in the transaction link corresponding to the transaction type; Determining a fund exchange relationship between the target account and other accounts based on the fund flow situation, wherein the other accounts refer to accounts other than the target account in the transaction link, and the fund exchange relationship includes: an inward transfer relationship and an outward transfer relationship; The link information is generated based on the funds exchange relationship.

4. The transaction processing method according to claim 1, characterized in that: The step of identifying at least one transaction link involved in the target account based on the historical transaction data and obtaining link information of each of the transaction links further includes: Receiving a transaction list within a target transaction period provided by the target account; The transaction list is analyzed to obtain R transaction types involved in the target account within the target transaction cycle, and the transaction link and link information corresponding to each transaction type, where R is a positive integer.

5. The transaction processing method according to claim 1, characterized in that: The step of monitoring the transaction frequencies of all the accounts based on the link information comprises: Obtaining the number of transactions of each of the accounts in a preset time window; Calculate the average transaction interval duration of each of the accounts within the preset time window based on the number of transactions; The transaction frequency of each of the accounts is determined based on the number of transactions and the average transaction interval duration.

6. The transaction processing method according to claim 1, characterized in that: After monitoring the transaction frequencies of all the accounts based on the link information, the method further includes: Monitoring the transaction status of each of the transaction links within a preset time window based on the link information; When the transaction situation indicates that the transaction link includes a hotspot account and a fund change occurs in the hotspot account within the preset time window, the hotspot trigger result of the transaction link is determined to be a triggered hotspot; otherwise, the hotspot trigger result of the transaction link is determined to be a non-triggered hotspot.

7. The transaction processing method according to claim 6, characterized in that: After creating the virtual account, the following steps are also included: For each transaction link, the association relationship between the virtual account and the hotspot account is newly created according to the hotspot triggering result.

8. The transaction processing method according to claim 1, characterized in that: The step of allocating the transaction funds based on the association relationship and the link information includes: Determine the target transfer-out account corresponding to each of the hotspot accounts based on the transfer-out relationship in the link information, and determine the transfer requirement of each of the target transfer-out accounts, wherein the transfer-out relationship is used to instruct the target account to transfer money to the target transfer-out account, and the transfer requirement includes: a transfer ratio and a transfer amount; The transaction funds in the virtual account are allocated to each of the target transfer-out accounts based on the transfer ratio and the transfer amount.

9. A transaction processing device, characterized in that: include: an acquisition unit, configured to identify at least one transaction link involved in a target account based on historical transaction data, and acquire link information of each transaction link, wherein the link information is used to indicate the fund flow of the target account; A determination unit, configured to monitor the transaction frequency of all accounts in the transaction link based on the link information, and determine the account attribute of each of the accounts based on the transaction frequency, wherein the account attribute includes: a hotspot account and a non-hotspot account, and the transaction frequency of the hotspot account is greater than a preset hotspot threshold; A creation unit, configured to create a virtual account and to establish a new association relationship between the virtual account and all the hotspot accounts in the transaction link, wherein the association relationship is used to transfer all transaction funds to be transferred to the hotspot account to the virtual account; An allocating unit is used to allocate the transaction funds based on the association relationship and the link information after all the transaction funds are transferred to the virtual account.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored computer program, wherein when the computer program is executed, the device where the computer-readable storage medium is located is controlled to execute the transaction processing method according to any one of claims 1 to 8.

11. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the transaction processing method described in any one of claims 1 to 8.

12. A computer program product, characterized in that The method comprises computer instructions, wherein when the computer instructions are executed by a processor, the steps of the transaction processing method according to any one of claims 1 to 8 are implemented.

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