Transaction verification method and device, equipment and storage medium

Abstract

The invention discloses a transaction verification method, device and equipment and a storage medium, and belongs to the technical field of finance, and the method comprises the steps: employing a first verification process to verify an order corresponding to a first message before the first message is sent, and the first message is a message corresponding to a first payment process in a business layer, the first verification process is a verification process in a communication gateway layer; when the order corresponding to the first message does not pass the first verification process, intercepting the first message; before the first reversal process is executed, a second verification process is adopted to verify the first reversal process, the first reversal process is a process in a service layer, and the second verification process is a verification process in a communication gateway layer; and under the condition that the first rush-forward process does not pass the second verification process, stopping the first rush-forward process. According to the method, the short money phenomenon of the bank system can be reduced, and the safety, reliability and stability of the bank system are improved.

Description

Technical Field

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

[0002] In the banking system, the transaction process includes the payment process and the reversal process. The payment process is mainly determined by the payment message. For example, after the business layer sends the payment message, the banking system will make the payment. The reversal order is also carried out in the business layer.

[0003] The transaction verification method in the related art usually performs verification in the business layer. If the business layer reports an error (such as a crash or code error), the verification result is not reliable, which in turn causes some incorrect payment processes and incorrect reversal processes to pass the verification, resulting in a shortfall in the bank system's account. Here, a shortfall means that the actual disposable amount in the bank system's account is less than the amount recorded in the bank system's account. Summary of the invention

[0004] The present disclosure provides a transaction verification method, device, equipment and storage medium, which can reduce the phenomenon of short payment in the banking system and improve the security, reliability and stability of the banking system. The technical solution at least includes the following solutions: In a first aspect, a transaction verification method is provided, comprising: before a first message is sent, using a first verification process to verify an order corresponding to the first message, the first message is a message corresponding to a first payment process in a business layer, and the first verification process is a verification process in a communication gateway layer; if the order corresponding to the first message fails to pass the first verification process, intercepting the first message; before a first reversal process is executed, using a second verification process to verify the first reversal process, the first reversal process is a process in the business layer, and the second verification process is a verification process in the communication gateway layer; if the first reversal process fails to pass the second verification process, stopping the first reversal process.

[0005] Optionally, the first payment process includes: verifying whether the first order is a duplicate account, and registering the first order in a transaction register, the first order being a payment order sent by an accounting institution, and the first order corresponding to the first payment process; verifying whether the format of each element in the first order is legal; if the first order is not a duplicate account and the format of each element of the first order is legal, accounting for the first order in the core system and registering the first order in the account register; after reviewing and authorizing the first order, sending the first message to the accounting institution.

[0006] Optionally, the first verification process includes: verifying whether the first order is recorded repeatedly; verifying whether the first order is successfully recorded in the core system; verifying whether the payment amount of the first order in the transaction register is consistent with the payment amount of the first order in the account register.

[0007] Optionally, the second verification process includes: verifying whether the second order is registered in the account register, and whether the amount of the second order is the same as the amount of the second order in the account register, and the second order is the order corresponding to the first reversal process; verifying whether the second order is a reversal type order, and the reversal type order includes orders that are rejected by the account institution and rejected by the bank system.

[0008] In the second aspect, a transaction verification device is also provided, including: a first verification module, which is used to verify the order corresponding to the first message by using a first verification process before the first message is sent, the first message is the message corresponding to the first payment process in the business layer, and the first verification process is the verification process in the communication gateway layer; an interception module, which is used to intercept the first message if the order corresponding to the first message fails to pass the first verification process; a second verification module, which is used to verify the first reversal process by using a second verification process before the first reversal process is executed, the first reversal process is the process in the business layer, and the second verification process is the verification process in the communication gateway layer; a stop module, which is used to stop the first reversal process if the first reversal process fails to pass the second verification process.

[0009] Optionally, the first payment process in the first verification module includes: verifying whether the first order is a duplicate account, and registering the first order in a transaction register, the first order being a payment order sent by an accounting institution, and the first order corresponding to the first payment process; verifying whether the format of each element in the first order is legal; if the first order is not a duplicate account and the format of each element of the first order is legal, accounting for the first order in the core system and registering the first order in the account register; after reviewing and authorizing the first order, sending the first message to the accounting institution.

[0010] Optionally, the first verification process in the first verification module includes: verifying whether the first order is recorded repeatedly; verifying whether the first order is successfully recorded in the core system; and verifying whether the payment amount of the first order in the transaction register is consistent with the payment amount of the first order in the account register.

[0011] Optionally, the second verification process in the second verification module includes: verifying whether the second order is registered in the account register, and whether the amount of the second order is the same as the amount of the second order in the account register, and the second order is the order corresponding to the first reversal process; verifying whether the second order is a reversal type order, and the reversal type order includes orders that are rejected by the account institution and rejected by the bank system.

[0012] In a third aspect, a computer device is also provided, comprising: a memory and a processor, wherein at least one computer program is stored in the memory, and the at least one computer program is loaded and executed by the processor, thereby executing the transaction verification method described in the above embodiment.

[0013] In a fourth aspect, a computer-readable storage medium is also provided, wherein at least one computer program is stored in the computer-readable storage medium, and the at least one computer program is loaded and executed by a processor, thereby executing the transaction verification method described in the above embodiment.

[0014] In a fifth aspect, a computer program product is provided, comprising a computer program / instruction, wherein when the computer program / instruction is executed by a processor, the method described in the first aspect is implemented.

[0015] The beneficial effects brought by the technical solution provided by the embodiments of the present disclosure include at least: In the disclosed embodiment, by adding a first verification process and a second verification process in the communication gateway layer of the banking system, the payment business and the reversal business can be verified twice, respectively, thereby reducing the phenomenon of short funds in the banking system caused by errors in the business layer, and improving the security, reliability and stability of the banking system. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the technical solutions in the embodiments of the present disclosure, 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 disclosure. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0017] Figure 1 This is a schematic diagram of the banking system architecture; Figure 2 A flowchart of a transaction verification method provided by an exemplary embodiment of the present disclosure is shown; Figure 3 A flowchart of a transaction verification method provided by another exemplary embodiment of the present disclosure is shown; Figure 4A schematic diagram of the structure of a transaction verification device provided by an exemplary embodiment of the present disclosure is shown; Figure 5 It is a schematic diagram of the structure of a computer device provided in an embodiment of the present disclosure. DETAILED DESCRIPTION

[0018] Unless otherwise defined, the technical or scientific terms used herein shall have the usual meanings understood by persons of ordinary skill in the field to which the present disclosure belongs. The words "first", "second", "third" and similar words used in the patent application specification and claims of the present disclosure do not indicate any order, quantity or importance, but are only used to distinguish different components. Similarly, words such as "one" or "one" do not indicate a quantitative limitation, but rather indicate the presence of at least one. Words such as "include" or "comprise" and similar words mean that the elements or objects appearing before "include" or "comprise" cover the elements or objects listed after "include" or "comprise" and their equivalents, and do not exclude other elements or objects. Words such as "connect" or "connected" and similar words are not limited to physical or mechanical connections, but may include electrical connections, whether direct or indirect.

[0019] In order to make the objectives, technical solutions and advantages of the present disclosure more clear, the embodiments of the present disclosure will be further described in detail below with reference to the accompanying drawings.

[0020] To facilitate understanding of the embodiments of the present disclosure, the architecture of the banking system is first described below.

[0021] Figure 1 This is a schematic diagram of the banking system architecture. Figure 1 As shown in the figure, the banking system includes the core system, external system, business layer, communication gateway layer and PMTS (Payment Message Transmission System). The core system and external system are connected to the business layer, the business layer is connected to the communication gateway layer, and the communication gateway layer is connected to PMTS. The business processed in the business layer comes from the core system and external system. After the business is processed in the business layer, the corresponding message will be sent. The message enters PMTS after passing through the communication gateway layer, and then is transmitted to the message recipient on PMTS.

[0022] The transaction verification method in the related art usually performs verification in the business layer. If the business layer reports an error, the verification result of the transaction is unreliable at this time.

[0023] Figure 2 A flowchart of a transaction verification method provided by an exemplary embodiment of the present disclosure is shown, and the method can be executed by a computer device. Figure 2 , the method comprising: In step 201, before the first message is sent, a first verification process is used to verify the order corresponding to the first message.

[0024] The first message is a message corresponding to the first payment process in the business layer, and the first verification process is a verification process in the communication gateway layer.

[0025] In step 202, when the order corresponding to the first message fails to pass the first verification process, the first message is intercepted.

[0026] Here, steps 201 to 202 are used to perform a second verification on the first order in the communication gateway layer. Before the first message is sent, the first payment process in the business layer will verify the first order, that is, perform a first verification on the first order, and the first verification process in steps 201 to 202 is to verify the first order in the communication gateway layer, that is, perform a second verification on the first order.

[0027] In step 203, before the first correction process is executed, the first correction process is verified using a second verification process.

[0028] The first reconciliation process is a process in the business layer, and the second verification process is a verification process in the communication gateway layer.

[0029] In step 204, when the first recharge process fails to pass the second verification process, the first recharge process is stopped.

[0030] Here, steps 203 to 204 are used to perform a second verification of the first reversal process in the communication gateway layer. Before the first reversal process is executed, the business layer will reconcile, that is, the first verification of the first reversal process, and the second verification process in steps 203 to 204 is to verify the second reversal process in the communication gateway layer, that is, to perform a second verification of the second reversal process.

[0031] In the disclosed embodiment, by adding a first verification process and a second verification process in the communication gateway layer of the banking system, the payment business and the reversal business can be verified twice, respectively, thereby reducing the phenomenon of short funds in the banking system caused by errors in the business layer, and improving the security, reliability and stability of the banking system.

[0032] Figure 3 A flowchart of a transaction verification method provided by another exemplary embodiment of the present disclosure is shown, and the method can be executed by a computer device. Figure 3 , the method comprising: In step 301, in response to receiving a first order, a first payment process is established.

[0033] The first order is a payment order sent by the account receiving institution, and the first order corresponds to the first payment process.

[0034] Exemplarily, the first order is a credit payment transaction order.

[0035] Optionally, the first payment process includes the following four steps.

[0036] The first step is to check whether the first order is a duplicate account and record the first order in the transaction register.

[0037] If the first order has been recorded in the transaction register, it means that there is duplicate accounting for the first order, and the first payment process is exited at this time.

[0038] The second step is to verify whether the formats of each element in the first order are legal.

[0039] The elements in the first order include, for example, order number, order amount, etc. The bank system has preset legal formats for each element in the payment order.

[0040] If the formats of the elements in the first order are illegal, it means that there is a problem with the first order, and the first payment process is exited.

[0041] The order of the first step and the second step can be swapped, and the embodiment of the present disclosure does not limit this. If the first order is not recorded repeatedly and the format of each element of the first order is legal, the second step is executed.

[0042] The third step is to record the first order in the core system and register the first order in the account register.

[0043] The account register is a list in the core system used to record accounts.

[0044] The fourth step is to send the first message to the account-collecting institution after reviewing and authorizing the first order.

[0045] Here, the first payment process is a process in the business layer. After the first payment process is executed, the first message will be sent to the PMTS through the communication gateway layer to make payment.

[0046] In step 302, before the first message is sent, a first verification process is used to verify the order corresponding to the first message.

[0047] The first verification process is the verification process in the communication gateway layer.

[0048] Optionally, the first verification process includes the following three steps.

[0049] The first step is to check whether the first order is a duplicate account.

[0050] The implementation method of the first step in the first verification process is the same as the implementation method of the first step in the first payment process. Here, the reason why the action of checking whether the first order is duplicated is repeated in the first verification process is that the first payment process is executed in the business layer, and the business layer may make mistakes, resulting in the verification of the first payment process being unreliable. Therefore, it is necessary to check whether the first order is duplicated again in the communication gateway layer to improve the reliability of the banking system.

[0051] The second step is to verify whether the first order is successfully recorded in the core system.

[0052] In the first payment process, there is a step of recording the first order in the core system. However, there may be a situation where the first order fails to be recorded in the core system due to an error in the business layer, so a corresponding review is required in the first verification process.

[0053] The third step is to verify whether the payment amount of the first order in the transaction register is consistent with the payment amount of the first order in the account register.

[0054] If there is no error in the business layer, the payment amount of the first order in the verification journal register and the payment amount of the first order in the account register must be consistent. However, there may be a situation where the payment amount of the first order in the verification journal register and the payment amount of the first order in the account register do not match due to an error in the business layer. For example, if the payment amount of the first order in the account register is greater than the payment amount of the first order in the journal register, it will cause a short payment in the bank system. Therefore, a corresponding review is performed in the first verification process to avoid the occurrence of short payments.

[0055] The verification processes in the above three steps are not in order, and as long as at least one verification fails, it means that the first order corresponding to the first payment process has not passed the first verification process, and step 303 is executed. If all three verifications pass, it means that the first order corresponding to the first payment process has passed the first verification process, and the first message can be sent.

[0056] In step 303, if the order corresponding to the first message fails to pass the first verification process, the first message is intercepted.

[0057] During implementation, for example, the first message may be registered in a verification failure register, and all messages registered in the verification failure register will be intercepted by the PSTM and will not be sent out, thereby avoiding the phenomenon of short payment to a certain extent.

[0058] Here, steps 302 to 303 are used to perform a second verification on the first order in the communication gateway layer. Before the first message is sent, the first payment process in the business layer will verify the first order, that is, perform a first verification on the first order, and the first verification process in steps 302 to 303 is to verify the first order in the communication gateway layer, that is, perform a second verification on the first order.

[0059] In step 304, the reconciliation process is performed.

[0060] The reconciliation process is also a process in the business layer. Optionally, the reconciliation process includes the following two steps.

[0061] The first step is to reconcile with the clearing agency and obtain the first reconciliation result.

[0062] Each order in the first reconciliation result is consistent with the clearing agency.

[0063] The second step is to reconcile with the core system based on the first reconciliation result, and record the orders in the first reconciliation result that are inconsistent with the core system in the reversal list.

[0064] The orders in the reversal list are the orders for which a reversal process needs to be established. Usually, the bank system will establish multiple reversal processes in the order in the reversal list. The first reversal process is any one of these multiple reversal processes.

[0065] However, errors may occur at the business layer, resulting in an abnormal increase in orders in the reversal list, that is, orders that should not be reversed appear in the reversal list, which may cause a shortfall in the bank system. Therefore, after multiple reversal processes are established according to the reversal list, steps 305-306 need to be executed to verify each reversal process before any reversal process is executed.

[0066] In step 305, before the first reversal process is executed, the first reversal process is verified using a second verification process.

[0067] The first reconciliation process is a process in the business layer, and the second verification process is a verification process in the communication gateway layer.

[0068] Optionally, the second verification process includes the following two steps.

[0069] The first step is to verify whether the second order is registered in the account register and whether the amount of the second order is the same as the amount of the second order in the account register.

[0070] The second order is the order corresponding to the first reversal process.

[0071] If the second order is in the account register, and the amount of the second order is the same as the amount of the second order in the account register, it can be preliminarily proved that the second order is a real order and not an order created out of thin air due to an error in the business layer, that is, the second order has passed the verification in the first step. If the second order is not in the account register, or the amount of the second order is different from the amount of the second order in the account register, it means that the second order is wrong, that is, the second order has not passed the verification in the first step.

[0072] The second step is to verify whether the second order is a reversal order.

[0073] Reversal type orders include orders that are rejected by the account-collecting institution and the bank system. The account-collecting institution includes the clearing institution and other bank systems except the bank system.

[0074] If the second order is not a reversal order, but the first reversal process is established, it means that the second order is an order generated after an error at the business layer, that is, the second order did not pass the verification in the second step. If the second order is a reversal order, it means that the second order passed the verification in the second step.

[0075] The verification processes in the above two steps are not in order. As long as at least one verification fails, it means that the second order corresponding to the first reversal process has not passed the second verification process, and step 306 is executed. If both of the above two verifications pass, it means that the second order corresponding to the first reversal process has passed the second verification process, and the first reversal process can be executed.

[0076] In step 306, when the first recharge process fails to pass the second verification process, the first recharge process is stopped.

[0077] When the first reconciliation process fails to pass the second verification process, it indicates that a problem has occurred in the reconciliation process in step 304. In this case, the reconciliation needs to be interrupted and a warning needs to be sent to the staff related to the reconciliation. The reconciliation process can be continued only after the staff has dealt with the problem in the reconciliation process.

[0078] Here, steps 305 to 306 are used to perform a second verification of the first reversal process in the communication gateway layer. Before the first reversal process is executed, the business layer will reconcile, that is, the first verification of the first reversal process, and the second verification process in steps 305 to 306 is to verify the second reversal process in the communication gateway layer, that is, to perform a second verification of the second reversal process.

[0079] The following are device embodiments of the present application. For details not described in detail in the device embodiments, reference may be made to the above method embodiments.

[0080] Figure 4 FIG. 1 shows a schematic diagram of a transaction verification device provided by an exemplary embodiment of the present disclosure. Figure 4 The transaction verification device 400 includes: a first verification module 401, an interception module 402, a second verification module 403 and a stop module 404.

[0081] The first verification module 401 is used to verify the order corresponding to the first message using the first verification process before the first message is sent. The first message is the message corresponding to the first payment process in the business layer, and the first verification process is the verification process in the communication gateway layer.

[0082] The interception module 402 is used to intercept the first message when the order corresponding to the first message fails to pass the first verification process.

[0083] The second verification module 403 is used to verify the first reversal process using a second verification process before the first reversal process is executed. The first reversal process is a process in the business layer, and the second verification process is a verification process in the communication gateway layer.

[0084] The stopping module 404 is used to stop the first resetting process if the first resetting process fails to pass the second verification process.

[0085] Optionally, the first payment process in the first verification module 401 includes: verifying whether the first order is a duplicate account, and registering the first order in a transaction register, the first order is a payment order sent by the account-receiving institution, and the first order corresponds to the first payment process; verifying whether the format of each element in the first order is legal; if the first order is not a duplicate account and the format of each element of the first order is legal, accounting for the first order in the core system and registering the first order in the account register; after reviewing and authorizing the first order, sending a first message to the account-receiving institution.

[0086] Optionally, the first verification process in the first verification module 401 includes: verifying whether the first order is recorded repeatedly; verifying whether the first order is successfully recorded in the core system; and verifying whether the payment amount of the first order in the transaction register is consistent with the payment amount of the first order in the account register.

[0087] Optionally, the second verification process in the second verification module 403 includes: verifying whether the second order is registered in the account register, and whether the amount of the second order is the same as the amount of the second order in the account register, and the second order is the order corresponding to the first reversal process; verifying whether the second order is a reversal type order, and the reversal type order includes orders that are rejected by the account institution and rejected by the bank system.

[0088] It should be noted that: when the transaction verification device provided in the above embodiment performs transaction verification, only the division of the above functional modules is used as an example. In actual applications, the above functions can be assigned to different functional modules as needed, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. In addition, the transaction verification device provided in the above embodiment and the transaction verification method embodiment belong to the same concept. The specific implementation process is detailed in the method embodiment and will not be repeated here.

[0089] The division of modules in the embodiments of the present disclosure is schematic and is only a logical function division. There may be other division methods in actual implementation. In addition, each functional module in each embodiment of the present disclosure may be integrated into a processor, or may exist physically separately, or two or more modules may be integrated into one module. The above-mentioned integrated modules may be implemented in the form of hardware or in the form of software functional modules.

[0090] If the integrated module is implemented in the form of a software function module 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 disclosure is essentially 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. The computer software product is stored in a storage medium, including several instructions to enable a terminal device (which can be a personal computer, mobile phone, or communication device, etc.) or a processor (processor) to execute all or part of the steps of the method of each embodiment of the present disclosure. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc., various media that can store program codes.

[0091] Figure 5 Schematic diagram of the structure of the computer device provided by the embodiment of the present disclosure. Figure 5 As shown, the computer device 500 includes: a processor 501 and a memory 502 .

[0092] The processor 501 may include one or more processing cores, such as a 4-core processor, an 8-core processor, etc. The processor 501 may be implemented in at least one hardware form of DSP (Digital Signal Processing), FPGA (Field-Programmable Gate Array), and PLA (Programmable Logic Array). The processor 501 may also include a main processor and a coprocessor. The main processor is a processor for processing data in the awake state, also known as a CPU (Central Processing Unit); the coprocessor is a low-power processor for processing data in the standby state. In some embodiments, the processor 501 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content to be displayed on the display screen. In some embodiments, the processor 501 may also include an AI (Artificial Intelligence) processor, which is used to process computing operations related to machine learning.

[0093] The memory 502 may include one or more computer-readable storage media, which may be non-transitory. The memory 502 may also include a high-speed random access memory and a non-volatile memory, such as one or more disk storage devices and flash memory storage devices. In some embodiments, the non-transitory computer-readable storage medium in the memory 502 is used to store at least one instruction, which is used to be executed by the processor 501 to implement the transaction verification method provided in the embodiments of the present disclosure.

[0094] Those skilled in the art will understand that Figure 5 The structure shown in the figure does not constitute a limitation on the computer device 500, and the computer device 500 may include more or less components than those shown in the figure, or combine some components, or adopt a different arrangement of components.

[0095] The embodiments of the present disclosure also provide a non-temporary computer-readable storage medium. When the instructions in the storage medium are executed by a processor of a computer device, the computer device is enabled to execute the transaction verification method provided in the embodiments of the present disclosure.

[0096] The embodiments of the present disclosure also provide a computer program product, including a computer program / instruction, which implements the transaction verification method provided in the embodiments of the present disclosure when executed by a processor.

[0097] The above description is only an optional embodiment of the present disclosure and is not intended to limit the present disclosure. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present disclosure shall be included in the protection scope of the present disclosure.

Claims

1. A transaction verification method, characterized in that: The method comprises: Before the first message is sent, a first verification process is used to verify the order corresponding to the first message, the first message is a message corresponding to the first payment process in the business layer, and the first verification process is a verification process in the communication gateway layer; If the order corresponding to the first message fails to pass the first verification process, intercepting the first message; Before the first reversal process is executed, the first reversal process is verified by a second verification process, wherein the first reversal process is a process in the business layer, and the second verification process is a verification process in the communication gateway layer; When the first recharge process fails to pass the second verification process, the first recharge process is stopped.

2. The method according to claim 1, characterized in that: The first payment process includes: Verify whether the first order is a duplicate account entry, and register the first order in a transaction register, wherein the first order is a payment order sent by the account receiving institution, and the first order corresponds to the first payment process; Verify whether the format of each element in the first order is legal; If the first order is not recorded repeatedly and the format of each element of the first order is legal, record the first order in the core system and register the first order in the account register; After the first order is reviewed and authorized, the first message is sent to the account-collecting institution.

3. The method according to claim 2, characterized in that The first verification process includes: Verifying whether the first order is a duplicate account entry; Verifying whether the first order is successfully recorded in the core system; Check whether the payment amount of the first order in the transaction register is consistent with the payment amount of the first order in the account register.

4. The method according to any one of claims 1 to 3, characterized in that: The second verification process includes: Verify whether the second order is registered in the account register, and whether the amount of the second order is the same as the amount of the second order in the account register, the second order being the order corresponding to the first reversal process; Verify whether the second order is a reversal type order, where the reversal type order includes an order that is rejected by the account institution and the bank system.

5. A transaction verification device, characterized in that: The device comprises: A first verification module, used to verify the order corresponding to the first message by using a first verification process before the first message is sent, the first message is a message corresponding to the first payment process in the business layer, and the first verification process is a verification process in the communication gateway layer; An interception module, configured to intercept the first message if the order corresponding to the first message fails to pass the first verification process; A second verification module is used to verify the first reversal process by using a second verification process before the first reversal process is executed, wherein the first reversal process is a process in the business layer, and the second verification process is a verification process in the communication gateway layer; The stopping module is used to stop the first correction process when the first correction process fails to pass the second verification process.

6. The device according to claim 5, characterized in that The first payment process in the first verification module includes: Verify whether the first order is a duplicate account entry, and register the first order in a transaction register, wherein the first order is a payment order sent by the account receiving institution, and the first order corresponds to the first payment process; Verify whether the format of each element in the first order is legal; If the first order is not recorded repeatedly and the format of each element of the first order is legal, record the first order in the core system and register the first order in the account register; After the first order is reviewed and authorized, the first message is sent to the account-collecting institution.

7. The device according to claim 6, characterized in that The first verification process in the first verification module includes: Verifying whether the first order is a duplicate account entry; Verifying whether the first order is successfully recorded in the core system; Check whether the payment amount of the first order in the transaction register is consistent with the payment amount of the first order in the account register.

8. A computer device, characterized in that: The computer device comprises: a memory and a processor, wherein at least one computer program is stored in the memory, and the at least one computer program is loaded and executed by the processor to implement the method according to any one of claims 1 to 4.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores at least one computer program, and the at least one computer program is loaded and executed by a processor to implement the method according to any one of claims 1 to 4.

10. A computer program product comprising a computer program / instructions, characterized in that When the computer program / instructions are executed by a processor, the method according to any one of claims 1 to 4 is implemented.

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