Transaction information processing method and related equipment

Abstract

The invention discloses a transaction information processing method and related equipment, and relates to the technical field of information technology, and the method comprises the steps: obtaining to-be-processed transaction information, determining the current transaction data and the current transaction type in the transaction information, selecting a target transaction formula from a current transaction formula database based on the current transaction type, and storing the selected target transaction formula in the current transaction formula database; processing the current transaction data based on the target transaction formula to obtain a current transaction result, predicting a future transaction risk of the current transaction result based on a preset transaction risk prediction model and the current transaction result, and determining a transaction information processing result based on the future transaction risk and the current transaction result. According to the invention, the preset transaction risk prediction model is used to predict the future transaction risk of the current transaction result. Based on the future transaction risk, the risk of the next transaction is determined, and then whether the next transaction is carried out is judged, so that the transaction security is improved.

Description

Technical Field

[0001] The present application relates to the technical field of information technology, and in particular to a transaction information processing method and related equipment. Background Art

[0002] With the rapid development of the economy, transaction information processing technology involves the expansion of market scale, the construction of transaction systems and the implementation of optimization strategies, which are important factors in promoting economic growth and the development of the digital economy.

[0003] In the relevant transaction information processing technology, the transaction information processing device processes the transaction information to obtain the current transaction result. However, the transaction information processing device can only perform risk verification on the current transaction result, but cannot determine the transaction risk corresponding to the next transaction, resulting in low transaction security.

[0004] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0005] The main purpose of this application is to provide a transaction information processing method, which aims to solve the technical problem that the transaction information processing equipment corresponding to the background technology can only perform risk verification on the current transaction result, but cannot determine the transaction risk corresponding to the next transaction, resulting in low transaction security.

[0006] To achieve the above objectives, the present application proposes a transaction information processing method, the method comprising:

[0007] Acquire transaction information to be processed, and determine current transaction data and current transaction type in the transaction information;

[0008] Based on the current transaction type, a target transaction formula is selected from a current transaction formula database, and based on the target transaction formula, the current transaction data is processed to obtain a current transaction result;

[0009] Based on a preset transaction risk prediction model and the current transaction result, predicting the future transaction risk of the current transaction result, wherein the preset transaction risk prediction model is a trained transaction risk prediction model;

[0010] Based on the future transaction risk and the current transaction result, a transaction information processing result is determined.

[0011] In one embodiment, the step of selecting a target transaction formula from a current transaction formula database based on the current transaction type further includes:

[0012] Determining whether the transaction information includes a first transaction formula;

[0013] If included, setting the first transaction formula as the target transaction formula, and adding the first transaction formula to the current transaction formula database;

[0014] If not included, based on the current transaction type, a target transaction formula is selected from a current transaction formula database.

[0015] In one embodiment, the step of selecting a target transaction formula from a current transaction formula database based on the current transaction type, if not included, further includes:

[0016] Determine one or more sets of initial transaction formulas associated with the current transaction type in the current transaction formula database;

[0017] Acquire historical transaction data and historical transaction results corresponding to the historical transaction data, wherein the transaction type of the historical transaction data is the same as the current transaction type;

[0018] Based on the historical transaction data and historical transaction results, the initial transaction formula is filtered to obtain a target transaction formula.

[0019] In one embodiment, the step of obtaining the transaction information to be processed and determining the current transaction data and the current transaction type in the transaction information further includes:

[0020] Acquire transaction information to be processed, determine first transaction data in the transaction information, and determine a first data type corresponding to the first transaction data;

[0021] searching a transaction information database for second transaction data associated with the first transaction data, and determining a second data type corresponding to the second transaction data;

[0022] Based on the first transaction data, the second transaction data, the first data type, and the second data type, current transaction data and a current transaction type are determined.

[0023] In one embodiment, the step of determining the transaction information processing result based on the future transaction risk and the current transaction result further includes:

[0024] Performing a transaction risk test on the current transaction result to obtain a current transaction risk;

[0025] Based on the current transaction risk, future transaction risk and the current transaction result, a transaction information processing result is determined.

[0026] In one embodiment, before the step of predicting the future transaction risk of the current transaction result based on the preset transaction risk prediction model and the current transaction result, the step further includes:

[0027] Acquire a current transaction risk prediction model and sample transaction data, wherein the future transaction risk corresponding to the sample transaction data is a first future transaction risk;

[0028] Predicting a second future transaction risk of the sample transaction data based on the current transaction risk prediction model;

[0029] determining whether the first future transaction risk is the same as the second future transaction risk;

[0030] If they are different, adjust the parameters of the current transaction risk prediction model, and based on the current transaction risk prediction model after the adjustment of the parameters, return to the step of predicting the second future transaction risk of the sample transaction data based on the current transaction risk prediction model, until the first future transaction risk is the same as the second future transaction risk, and obtain the preset transaction risk prediction model.

[0031] In addition, to achieve the above-mentioned purpose, the present application also proposes a transaction information processing device, the transaction information processing device comprising:

[0032] An acquisition module, the acquisition module is used to acquire the transaction information to be processed, and determine the current transaction data and the current transaction type in the transaction information;

[0033] A selection module, the selection module is used to select a target transaction formula from a current transaction formula database based on the current transaction type, and process the current transaction data based on the target transaction formula to obtain a current transaction result;

[0034] A prediction module, the prediction module is used to predict the future transaction risk of the current transaction result based on a preset transaction risk prediction model and the current transaction result, wherein the preset transaction risk prediction model is a trained transaction risk prediction model;

[0035] A determination module is used to determine a transaction information processing result based on the future transaction risk and the current transaction result.

[0036] In one embodiment, the selection module includes:

[0037] A first determining unit, configured to determine whether the transaction information includes a first transaction formula;

[0038] a setting unit, if included, setting the first transaction formula as a target transaction formula, and adding the first transaction formula to a current transaction formula database;

[0039] The selection unit, if not included, selects a target transaction formula from a current transaction formula database based on the current transaction type.

[0040] In one embodiment, the selection module further includes:

[0041] A second determining unit, configured to determine one or more groups of initial transaction formulas associated with a current transaction type in a current transaction formula database;

[0042] A first acquisition unit, configured to acquire historical transaction data and a historical transaction result corresponding to the historical transaction data, wherein a transaction type of the historical transaction data is the same as the current transaction type;

[0043] The filtering unit is used to filter the initial transaction formula based on the historical transaction data and the historical transaction results to obtain a target transaction formula.

[0044] In one embodiment, the selection module further includes:

[0045] a second acquisition unit, configured to acquire transaction information to be processed, determine first transaction data in the transaction information, and determine a first data type corresponding to the first transaction data;

[0046] a searching unit, configured to search a transaction information database for second transaction data associated with the first transaction data, and determine a second data type corresponding to the second transaction data;

[0047] The third determining unit is configured to determine current transaction data and a current transaction type based on the first transaction data, the second transaction data, the first data type, and the second data type.

[0048] In one embodiment, the determining includes:

[0049] A verification unit, configured to perform a transaction risk verification on the current transaction result to obtain a current transaction risk;

[0050] The fourth determining unit is used to determine the transaction information processing result based on the current transaction risk, the future transaction risk and the current transaction result.

[0051] In one embodiment, the prediction module includes:

[0052] A third acquisition unit is used to acquire a current transaction risk prediction model and sample transaction data, wherein the future transaction risk corresponding to the sample transaction data is a first future transaction risk;

[0053] A prediction unit, configured to predict a second future transaction risk of the sample transaction data based on a current transaction risk prediction model;

[0054] a determination unit, configured to determine whether the first future transaction risk is the same as the second future transaction risk;

[0055] The adjustment unit adjusts the parameters of the current transaction risk prediction model if they are different, and based on the current transaction risk prediction model after the adjustment of the parameters, returns to the step of predicting the second future transaction risk of the sample transaction data based on the current transaction risk prediction model, until the first future transaction risk is the same as the second future transaction risk, and obtains a preset transaction risk prediction model.

[0056] In addition, to achieve the above-mentioned purpose, the present application also proposes a transaction information processing device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the transaction information processing method described above.

[0057] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the transaction information processing method described above are implemented.

[0058] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the transaction information processing method described above are implemented.

[0059] One or more technical solutions proposed in this application have at least the following technical effects:

[0060] The present application proposes a transaction information processing method and related equipment. In the related technology, the transaction information processing equipment can only perform risk verification on the current transaction result, but cannot determine the transaction risk corresponding to the next transaction, and the transaction security is low. In the present application, first, the transaction information to be processed is obtained, and the current transaction data and the current transaction type in the transaction information are determined. Then, based on the current transaction type, a target transaction formula is selected from the current transaction formula database, and based on the target transaction formula, the current transaction data is processed to obtain the current transaction result. Furthermore, based on a preset transaction risk prediction model and the current transaction result, the future transaction risk of the current transaction result is predicted, wherein the preset transaction risk prediction model is a trained transaction risk prediction model. Finally, based on the future transaction risk and the current transaction result, the transaction information processing result is determined.

[0061] It is understandable that in this application, a preset transaction risk prediction model is used to predict the future transaction risk of the current transaction result. Based on the future transaction risk, the risk of the next transaction is determined, and then it is determined whether to conduct the next transaction, thereby improving transaction security. BRIEF DESCRIPTION OF THE DRAWINGS

[0062] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0063] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0064] Figure 1 A flowchart of the first embodiment of the transaction information processing method of the present application is provided;

[0065] Figure 2 A schematic diagram of a general data model provided for the first embodiment of the transaction information processing method of the present application;

[0066] Figure 3 A flowchart of the second embodiment of the transaction information processing method of the present application is provided;

[0067] Figure 4 This is a schematic diagram of the module structure of the transaction information processing device according to an embodiment of the present application;

[0068] Figure 5 This is a schematic diagram of the device structure of the hardware operating environment involved in the transaction information processing method in the embodiment of the present application.

[0069] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0070] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0071] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0072] The main solutions of the embodiments of this application are:

[0073] In this embodiment, for the convenience of description, the transaction information processing device is used as the execution entity for explanation below.

[0074] According to the existing technology, the transaction information processing device processes the transaction information to obtain the current transaction result. However, the transaction information processing device can only perform risk verification on the current transaction result, and cannot determine the transaction risk corresponding to the next transaction, resulting in low transaction security.

[0075] The present application provides a solution, which enables: first, to obtain transaction information to be processed, determine the current transaction data and the current transaction type in the transaction information, then, based on the current transaction type, select a target transaction formula from a current transaction formula database, based on the target transaction formula, process the current transaction data to obtain the current transaction result, further, based on a preset transaction risk prediction model and the current transaction result, predict the future transaction risk of the current transaction result, wherein the preset transaction risk prediction model is a trained transaction risk prediction model, and finally, determine the transaction information processing result based on the future transaction risk and the current transaction result.

[0076] It is understandable that in this application, a preset transaction risk prediction model is used to predict the future transaction risk of the current transaction result. Based on the future transaction risk, the risk of the next transaction is determined, and then it is determined whether to conduct the next transaction, thereby improving transaction security.

[0077] It should be noted that the execution subject of this embodiment may be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a transaction information processing device, etc. The following takes the transaction information processing device as an example to illustrate this embodiment and the following embodiments.

[0078] Based on this, the present application embodiment provides a transaction information processing method, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the transaction information processing method of the present application.

[0079] In this embodiment, the transaction information processing method includes steps S100 to S400:

[0080] Step S100, obtaining transaction information to be processed, and determining current transaction data and current transaction type in the transaction information;

[0081] In this embodiment, the execution entity is a transaction information processing device, which may be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device that can realize the above functions.

[0082] In this embodiment, the specific application scenario may be:

[0083] For the transaction information to be processed, the staff needs to process the transaction information, and then the staff clicks the "Process" button. After the transaction information processing device detects that the staff clicks the "Process" button, the transaction information processing device receives the transaction information to be processed.

[0084] It should be noted that the reference Figure 2 In the present application, based on the general data model, the transaction information processing device determines the current transaction data and the current transaction type in the transaction information.

[0085] Specifically, the step of obtaining the transaction information to be processed and determining the current transaction data and the current transaction type in the transaction information further includes steps S110 to S130:

[0086] Step S110, obtaining transaction information to be processed, determining first transaction data in the transaction information, and determining a first data type corresponding to the first transaction data;

[0087] It should be noted that the first transaction data refers to the most basic information in the transaction information, such as the transaction amount. When constructing a transaction, it is also necessary to determine the various element information of the transaction, including to (transaction recipient), nonce (transaction sequence number), value (transaction amount), etc. These meta information are the basic components of the transaction and are usually determined in the initial stage of the transaction.

[0088] It should also be noted that the first data type refers to the transaction data type, such as securities transaction data, sales transaction data, procurement transaction data, etc.

[0089] In this embodiment, the transaction information processing device first obtains the transaction information to be processed, then determines the first transaction data in the transaction information, and identifies the first data type corresponding to the first transaction data, so as to perform further transaction processing and analysis.

[0090] Step S120, searching a transaction information database for second transaction data associated with the first transaction data, and determining a second data type corresponding to the second transaction data;

[0091] It should be noted that searching for the second transaction data associated with the first transaction data in the transaction information database usually involves database query operations, which need to be implemented using SQL or similar database query languages. In the field of financial technology, this may involve queries for transactional data, which describe internal or external events or transaction records in the organization's business operations, such as sales orders, call records, etc. In actual operations, it may be necessary to query the associated second transaction data based on specific attributes of the first transaction data (such as transaction ID, timestamp, transaction amount, etc.).

[0092] It is understandable that in the actual transaction process, transaction data may have an impact on other data. For example, if the sales volume changes during the transaction, the corresponding profit will also change, and there is a correlation between the two.

[0093] Step S130: determining current transaction data and current transaction type based on the first transaction data, the second transaction data, the first data type, and the second data type.

[0094] It should be noted that the current transaction data includes the first transaction data and the second transaction data, and the current transaction type includes the first data type and the second data type.

[0095] Step S200, based on the current transaction type, selecting a target transaction formula from a current transaction formula database, and processing the current transaction data based on the target transaction formula to obtain a current transaction result;

[0096] It should be noted that the current transaction type may include different markets or different types of transactions such as stocks, foreign exchange, and futures. According to the transaction type, a suitable transaction formula is selected from the current transaction formula database. The current transaction formula database contains a variety of transaction formulas for different transaction types and transaction objectives.

[0097] After determining the target transaction formula, the transaction data processing device inputs the current transaction data into the target transaction formula and calculates the current transaction result.

[0098] For example, in stock trading, financial metrics such as price-to-earnings (P / E) and earnings per share (EPS) may be used to predict a share price target.

[0099] Specifically, the step of selecting a target transaction formula from a current transaction formula database based on the current transaction type further includes steps S210 to S230:

[0100] Step S210, determining whether the transaction information includes a first transaction formula;

[0101] It should be noted that some transaction information may include a specific transaction formula (first transaction formula).

[0102] Step S220: if included, setting the first transaction formula as a target transaction formula, and adding the first transaction formula to a current transaction formula database;

[0103] It can be understood that if the first transaction formula exists in the transaction information, the first transaction formula is added to the current transaction formula database, and the current transaction formula database is updated.

[0104] Step S230: If not included, based on the current transaction type, select a target transaction formula from the current transaction formula database.

[0105] Specifically, if not included, the step of selecting a target transaction formula from the current transaction formula database based on the current transaction type further includes steps S231 to S233:

[0106] Step S231, determining one or more groups of initial transaction formulas associated with the current transaction type in the current transaction formula database;

[0107] It is understandable that if the current transaction type is a stock transaction, the transaction data processing device determines the transaction formula associated with the stock transaction in the current transaction formula database, and sets the associated transaction formula as the initial transaction formula.

[0108] Step S232, obtaining historical transaction data and historical transaction results corresponding to the historical transaction data, wherein the transaction type of the historical transaction data is the same as the current transaction type;

[0109] Obtaining historical trading data refers to collecting past trading records from databases, market data providers or other data sources. This data may include trading time, trading price, trading volume, trading pair, trader information, etc.

[0110] It is understandable that the transaction type of the historical transaction data is the same as the current transaction type, and the collected historical transaction data must match the current transaction type. For example, if the current transaction is a stock transaction, then the historical data should also be the data of the stock transaction; if the current transaction is a foreign exchange transaction, then the historical data should also be the data of the foreign exchange transaction.

[0111] Step S233: filtering the initial transaction formula based on the historical transaction data and historical transaction results to obtain a target transaction formula.

[0112] Step S300, predicting the future transaction risk of the current transaction result based on a preset transaction risk prediction model and the current transaction result, wherein the preset transaction risk prediction model is a trained transaction risk prediction model;

[0113] Step S400, determining a transaction information processing result based on the future transaction risk and the current transaction result.

[0114] Specifically, the step of determining the transaction information processing result based on the future transaction risk and the current transaction result further includes steps S410 to S420:

[0115] Step S410, performing a transaction risk check on the current transaction result to obtain the current transaction risk;

[0116] It should be noted that current transaction results refer to the results of recent or ongoing transactions, including but not limited to the transaction size, price, time, counterparty, market conditions, etc.

[0117] It should also be noted that transaction risk testing is an assessment process that involves the use of various risk management tools and techniques to identify, analyze and assess the risks that may exist in a transaction. This may include market risk, credit risk, liquidity risk, operational risk, etc.

[0118] It is understandable that the purpose of the test is to obtain a quantitative result about the current transaction risk, which can be a specific value (such as expected loss), a probability (such as default probability), a level (such as high, medium, and low risk levels) or a range (such as the range of possible losses).

[0119] Step S420, determining a transaction information processing result based on the current transaction risk, the future transaction risk and the current transaction result.

[0120] One or more technical solutions proposed in this application have at least the following technical effects:

[0121] The present application proposes a transaction information processing method and related equipment. In the related technology, the transaction information processing equipment can only perform risk verification on the current transaction result, but cannot determine the transaction risk corresponding to the next transaction, and the transaction security is low. In the present application, first, the transaction information to be processed is obtained, and the current transaction data and the current transaction type in the transaction information are determined. Then, based on the current transaction type, a target transaction formula is selected from the current transaction formula database, and based on the target transaction formula, the current transaction data is processed to obtain the current transaction result. Furthermore, based on a preset transaction risk prediction model and the current transaction result, the future transaction risk of the current transaction result is predicted, wherein the preset transaction risk prediction model is a trained transaction risk prediction model. Finally, based on the future transaction risk and the current transaction result, the transaction information processing result is determined.

[0122] It is understandable that in this application, a preset transaction risk prediction model is used to predict the future transaction risk of the current transaction result. Based on the future transaction risk, the risk of the next transaction is determined, and then it is determined whether to conduct the next transaction, thereby improving transaction security.

[0123] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction, and will not be repeated in the following. Figure 3 Before step S300, the transaction information processing method further includes steps S310 to S340:

[0124] Step S310, obtaining a current transaction risk prediction model and sample transaction data, wherein the future transaction risk corresponding to the sample transaction data is a first future transaction risk;

[0125] It should be noted that the current trading risk prediction model refers to the use of a developed model that can predict future trading risks based on historical data and current market trends. This model can be a machine learning model, such as the LSTM (Long Short-Term Memory Network) model, which uses past stock price data to predict future price trends and thus predict future trading risks.

[0126] In addition, it should be noted that sample transaction data refers to a set of transaction records used to train or test risk prediction models. These data may include stock closing prices, trading volumes, etc., which are used as input features of the model.

[0127] Step S320, predicting a second future transaction risk of the sample transaction data based on the current transaction risk prediction model;

[0128] It should be noted that the second future transaction risk refers to the future transaction risk corresponding to the sample transaction data and predicted by the current model. In other words, this is the risk value predicted by the model based on the sample data.

[0129] Step S330, determining whether the first future transaction risk is the same as the second future transaction risk;

[0130] It can be understood that if the first future transaction risk is the same as the second future transaction risk, it indicates that the current transaction risk prediction model meets the staff's needs.

[0131] Step S340, if they are different, adjust the parameters of the current transaction risk prediction model, and based on the current transaction risk prediction model after the adjustment of the parameters, return to the step of predicting the second future transaction risk of the sample transaction data based on the current transaction risk prediction model, until the first future transaction risk is the same as the second future transaction risk, and obtain the preset transaction risk prediction model.

[0132] It can be understood that, first, the current transaction risk prediction model is used to perform risk prediction on the sample transaction data to obtain the second future transaction risk.

[0133] This prediction is then compared to the expected value at risk or the known value at risk (the risk of the first future transaction) to assess the accuracy of the model.

[0134] If the first future transaction risk is different from the expected or known risk value (i.e. there is a difference), the parameters of the transaction risk prediction model need to be adjusted. This may include the learning rate, the number of hidden layers, the number of neurons, the regularization parameter, etc., which are key factors affecting the performance of the model.

[0135] Based on the adjusted parameters, the transaction risk prediction model is used again to predict the risk of the sample transaction data to obtain the second future transaction risk.

[0136] Repeat the steps of comparing and adjusting parameters until the first future transaction risk is the same as the second future transaction risk, or reaches an acceptable error range. This process is iterative and requires multiple adjustments and predictions until the model's prediction results are stable and meet expectations, and the preset transaction risk prediction model is obtained:

[0137] It can be understood that when the prediction results of the model are stable and the first future transaction risk is the same as the second future transaction risk, it means that the model has been adjusted to a suitable state. At this time, the model can be considered as a preset transaction risk prediction model, that is, an optimized model that can provide stable and accurate predictions.

[0138] In this embodiment, by training the current transaction risk prediction model, a more accurate transaction risk is obtained, and further, transaction security is improved.

[0139] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the transaction information processing method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0140] This application also provides a transaction information processing device, please refer to Figure 4 , the transaction information processing device comprises:

[0141] An acquisition module 10, the acquisition module is used to acquire the transaction information to be processed, and determine the current transaction data and the current transaction type in the transaction information;

[0142] A selection module 20, the selection module is used to select a target transaction formula from a current transaction formula database based on the current transaction type, and process the current transaction data based on the target transaction formula to obtain a current transaction result;

[0143] A prediction module 30, the prediction module is used to predict the future transaction risk of the current transaction result based on a preset transaction risk prediction model and the current transaction result, wherein the preset transaction risk prediction model is a trained transaction risk prediction model;

[0144] The determination module 40 is used to determine the transaction information processing result based on the future transaction risk and the current transaction result.

[0145] In one embodiment, the selection module includes:

[0146] A first determining unit, configured to determine whether the transaction information includes a first transaction formula;

[0147] a setting unit, if included, setting the first transaction formula as a target transaction formula, and adding the first transaction formula to a current transaction formula database;

[0148] The selection unit, if not included, selects a target transaction formula from a current transaction formula database based on the current transaction type.

[0149] In one embodiment, the selection module further includes:

[0150] A second determining unit, configured to determine one or more groups of initial transaction formulas associated with a current transaction type in a current transaction formula database;

[0151] A first acquisition unit, configured to acquire historical transaction data and a historical transaction result corresponding to the historical transaction data, wherein a transaction type of the historical transaction data is the same as the current transaction type;

[0152] The filtering unit is used to filter the initial transaction formula based on the historical transaction data and the historical transaction results to obtain a target transaction formula.

[0153] In one embodiment, the selection module further includes:

[0154] a second acquisition unit, configured to acquire transaction information to be processed, determine first transaction data in the transaction information, and determine a first data type corresponding to the first transaction data;

[0155] a searching unit, configured to search a transaction information database for second transaction data associated with the first transaction data, and determine a second data type corresponding to the second transaction data;

[0156] The third determining unit is configured to determine current transaction data and a current transaction type based on the first transaction data, the second transaction data, the first data type, and the second data type.

[0157] In one embodiment, the determining includes:

[0158] A verification unit, configured to perform a transaction risk verification on the current transaction result to obtain a current transaction risk;

[0159] The fourth determining unit is used to determine the transaction information processing result based on the current transaction risk, the future transaction risk and the current transaction result.

[0160] In one embodiment, the prediction module includes:

[0161] A third acquisition unit is used to acquire a current transaction risk prediction model and sample transaction data, wherein the future transaction risk corresponding to the sample transaction data is a first future transaction risk;

[0162] A prediction unit, configured to predict a second future transaction risk of the sample transaction data based on a current transaction risk prediction model;

[0163] a determination unit, configured to determine whether the first future transaction risk is the same as the second future transaction risk;

[0164] The adjustment unit adjusts the parameters of the current transaction risk prediction model if they are different, and based on the current transaction risk prediction model after adjusting the parameters, returns to the step of predicting the second future transaction risk of the sample transaction data based on the current transaction risk prediction model, until the first future transaction risk is the same as the second future transaction risk, and obtains a preset transaction risk prediction model. The transaction information processing device provided in the present application adopts the transaction information processing method in the above-mentioned embodiment, which can solve the technical problems of transaction information processing. Compared with the prior art, the beneficial effects of the transaction information processing device provided in the present application are the same as the beneficial effects of the transaction information processing method provided in the above-mentioned embodiment, and other technical features in the transaction information processing device are the same as the features disclosed in the above-mentioned embodiment method, which will not be repeated here.

[0165] The present application provides a transaction information processing device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the transaction information processing method in the above-mentioned embodiment one.

[0166] Reference below Figure 5, which shows a schematic diagram of the structure of a transaction information processing device suitable for implementing the embodiment of the present application. The transaction information processing device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 5 The transaction information processing device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0167] like Figure 5 As shown, the transaction information processing device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the transaction information processing device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the transaction information processing device to communicate with other devices wirelessly or by wire to exchange data. Although the transaction information processing device with various systems is shown in the figure, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0168] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0169] The transaction information processing device provided by the present application adopts the transaction information processing method in the above embodiment, which can solve the technical problem of transaction information processing. Compared with the prior art, the beneficial effects of the transaction information processing device provided by the present application are the same as the beneficial effects of the transaction information processing method provided by the above embodiment, and the other technical features in the transaction information processing device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0170] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0171] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0172] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the transaction information processing method in the above-mentioned embodiment.

[0173] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM: Random Access Memory), a read-only memory (ROM: Read Only Memory), an erasable programmable read-only memory (EPROM: Erasable Programmable Read Only Memory or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM: CD-Read Only Memory), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency: Radio Frequency), etc., or any suitable combination of the above.

[0174] The above-mentioned computer-readable storage medium may be included in the transaction information processing device; or it may exist independently without being assembled into the transaction information processing device.

[0175] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the transaction information processing device, the transaction information processing device:

[0176] Acquire transaction information to be processed, and determine current transaction data and current transaction type in the transaction information;

[0177] Based on the current transaction type, a target transaction formula is selected from a current transaction formula database, and based on the target transaction formula, the current transaction data is processed to obtain a current transaction result;

[0178] Based on a preset transaction risk prediction model and the current transaction result, predicting the future transaction risk of the current transaction result, wherein the preset transaction risk prediction model is a trained transaction risk prediction model;

[0179] Based on the future transaction risk and the current transaction result, a transaction information processing result is determined.

[0180] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0181] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0182] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0183] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned transaction information processing method, and can solve the technical problems of transaction information processing. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the transaction information processing method provided in the above-mentioned embodiment, and will not be repeated here.

[0184] The present application also provides a computer program product, including a computer program, which implements the steps of the transaction information processing method as described above when executed by a processor.

[0185] The computer program product provided by this application can solve the technical problem of transaction information processing. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the transaction information processing method provided by the above embodiment, which will not be repeated here.

[0186] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A transaction information processing method, characterized in that: The transaction information processing method comprises: Acquire transaction information to be processed, and determine current transaction data and current transaction type in the transaction information; Based on the current transaction type, a target transaction formula is selected from a current transaction formula database, and based on the target transaction formula, the current transaction data is processed to obtain a current transaction result; Based on a preset transaction risk prediction model and the current transaction result, predicting the future transaction risk of the current transaction result, wherein the preset transaction risk prediction model is a trained transaction risk prediction model; Based on the future transaction risk and the current transaction result, a transaction information processing result is determined.

2. The transaction information processing method according to claim 1, characterized in that: The step of selecting a target transaction formula from a current transaction formula database based on the current transaction type further includes: Determining whether the transaction information includes a first transaction formula; If included, setting the first transaction formula as the target transaction formula, and adding the first transaction formula to the current transaction formula database; If not included, based on the current transaction type, a target transaction formula is selected from a current transaction formula database.

3. The transaction information processing method according to claim 2, characterized in that: If not included, the step of selecting a target transaction formula from a current transaction formula database based on the current transaction type further includes: Determine one or more sets of initial transaction formulas associated with the current transaction type in the current transaction formula database; Acquire historical transaction data and historical transaction results corresponding to the historical transaction data, wherein the transaction type of the historical transaction data is the same as the current transaction type; Based on the historical transaction data and historical transaction results, the initial transaction formula is filtered to obtain a target transaction formula.

4. The transaction information processing method according to claim 1, characterized in that: The step of obtaining the transaction information to be processed and determining the current transaction data and the current transaction type in the transaction information further includes: Acquire transaction information to be processed, determine first transaction data in the transaction information, and determine a first data type corresponding to the first transaction data; searching a transaction information database for second transaction data associated with the first transaction data, and determining a second data type corresponding to the second transaction data; Based on the first transaction data, the second transaction data, the first data type, and the second data type, current transaction data and a current transaction type are determined.

5. The transaction information processing method according to claim 1, characterized in that: The step of determining the transaction information processing result based on the future transaction risk and the current transaction result further includes: Performing a transaction risk test on the current transaction result to obtain a current transaction risk; Based on the current transaction risk, future transaction risk and the current transaction result, a transaction information processing result is determined.

6. The transaction information processing method according to claim 1, characterized in that: Before the step of predicting the future transaction risk of the current transaction result based on the preset transaction risk prediction model and the current transaction result, the method further includes: Acquire a current transaction risk prediction model and sample transaction data, wherein the future transaction risk corresponding to the sample transaction data is a first future transaction risk; Predicting a second future transaction risk of the sample transaction data based on the current transaction risk prediction model; determining whether the first future transaction risk is the same as the second future transaction risk; If they are different, adjust the parameters of the current transaction risk prediction model, and based on the current transaction risk prediction model after the adjustment of the parameters, return to the step of predicting the second future transaction risk of the sample transaction data based on the current transaction risk prediction model, until the first future transaction risk is the same as the second future transaction risk, and obtain the preset transaction risk prediction model.

7. A transaction information processing device, characterized in that: The transaction information processing device comprises: An acquisition module, the acquisition module is used to acquire the transaction information to be processed, and determine the current transaction data and the current transaction type in the transaction information; A selection module, the selection module is used to select a target transaction formula from a current transaction formula database based on the current transaction type, and process the current transaction data based on the target transaction formula to obtain a current transaction result; A prediction module, the prediction module is used to predict the future transaction risk of the current transaction result based on a preset transaction risk prediction model and the current transaction result, wherein the preset transaction risk prediction model is a trained transaction risk prediction model; A determination module is used to determine a transaction information processing result based on the future transaction risk and the current transaction result.

8. A transaction information processing device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the transaction information processing method according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the transaction information processing method according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the transaction information processing method according to any one of claims 1 to 6 are implemented.

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