Transaction result identification method and device, equipment, storage medium and program product

Abstract

The embodiment of the invention provides a transaction result identification method and device, equipment, a storage medium and a program product, and is applied to the technical field of finance, and the specific method comprises the steps: obtaining a request for remittance to a second client initiated by a first client, and obtaining a first remittance request comprising a first serial number; according to the first remittance request, performing a deduction operation on an account corresponding to the first client, and according to a deduction result, generating first transfer information including a first serial number; sending the first transfer information to a second transaction platform, so that the second transaction platform executes an entry operation on an account corresponding to the second client according to the first transfer information; receiving second transfer information including a second serial number sent by the second transaction platform, wherein the second transfer information is generated according to a deduction result after the second transaction platform executes a deduction operation on an account corresponding to the second client according to the second remittance request; and comparing the second serial number with the first serial number, and identifying an execution result of the first remittance request according to a comparison result.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of financial technology, and in particular, to a transaction result identification method, device, equipment, storage medium and program product. Background Art

[0002] Interbank remittance is a basic service in financial services, which allows customers to transfer funds between different banks. However, due to incorrect information, such as inaccurate filling of account number, name, bank name, bank number, etc., remittance returns often occur. In the traditional remittance processing process, once the funds are remitted to the other bank, the original remittance bank will display the remittance status as successful. Even if the funds are subsequently returned due to incorrect information, this status will not be automatically updated. In this case, when the customer receives the returned funds, he cannot directly identify whether it is a new remittance or previously returned funds.

[0003] This limitation causes customers to face the following problems when making inter-bank remittances:

[0004] First, when there are multiple remittances, financial personnel need to rely on experience to identify which remittances are returned and which remittance has failed and been returned. Manual identification is inefficient and has low accuracy. Second, the payee's feedback may not be timely, resulting in the remitter being unable to quickly discover the return of remittances, which affects the efficiency of financial work. Summary of the invention

[0005] The embodiments of the present invention provide a transaction result identification method, apparatus, device, storage medium and program product, which improve the accuracy and efficiency of inter-bank transactions and provide customers with more reliable and efficient financial services.

[0006] In a first aspect, a transaction result identification method provided by an embodiment of the present invention is applied to a first transaction platform in an inter-bank transaction system, the inter-bank transaction system also includes a second transaction platform, the first transaction platform is connected to a first client, and the second transaction platform is connected to a second client. The transaction result identification method includes:

[0007] Acquire a request initiated by the first client to remit money to the second client, and obtain a first remittance request, wherein the first remittance request includes a first sequence number;

[0008] Performing a deduction operation on an account corresponding to the first client according to the first remittance request, and generating first transfer information according to the deduction result, wherein the first transfer information includes a first sequence number;

[0009] Sending the first transfer information to the second trading platform, so that the second trading platform performs a deposit operation on the account corresponding to the second client according to the first transfer information;

[0010] receiving second transfer information sent by the second trading platform, where the second transfer information is generated by the second trading platform according to a deduction result after the second trading platform performs a deduction operation on the account corresponding to the second client according to the second remittance request, the second remittance request is a request initiated by the second client to remit money to the first client, and both the second remittance request and the second transfer information include a second sequence number;

[0011] The second serial number is compared with the first serial number, and the execution result of the first remittance request is identified according to the comparison result.

[0012] In a second aspect, a transaction result identification device provided by an embodiment of the present invention is applied to a first transaction platform in an inter-bank transaction system, the inter-bank transaction system also includes a second transaction platform, the first transaction platform is connected to a first client, and the second transaction platform is connected to a second client. The device includes:

[0013] An acquisition module, used for acquiring a request initiated by a first client to remit money to a second client, and obtaining a first remittance request, wherein the first remittance request includes a first sequence number;

[0014] A deduction module, configured to perform a deduction operation on an account corresponding to the first client according to the first remittance request, and generate first transfer information according to the deduction result, wherein the first transfer information includes a first sequence number;

[0015] A sending module, configured to send the first transfer information to the second trading platform, so that the second trading platform performs a deposit operation on the account corresponding to the second client according to the first transfer information;

[0016] a receiving module, configured to receive second transfer information sent by a second trading platform, wherein the second transfer information is generated by the second trading platform according to a deduction result after the second trading platform performs a deduction operation on an account corresponding to the second client according to a second remittance request, wherein the second remittance request is a request initiated by the second client to remit money to the first client, and both the second remittance request and the second transfer information include a second sequence number;

[0017] The identification module is used to compare the second serial number with the first serial number and identify the execution result of the first remittance request according to the comparison result.

[0018] In a third aspect, an electronic device provided by an embodiment of the present invention includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the program, a transaction result identification method as in any embodiment of the present invention is implemented.

[0019] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, a transaction result identification method as in any embodiment of the present invention is implemented.

[0020] In a fifth aspect, the computer program product provided by an embodiment of the present invention includes a computer program, and when the computer program is executed by a processor, the transaction result identification method as described in any embodiment of the present invention is implemented.

[0021] In the embodiment of the present invention, a serial number is introduced in the remittance process, and each transaction is identified by the serial number, so that each remittance and its corresponding remittance return can be accurately tracked and identified, and the problem that the remittance status cannot be automatically updated in the traditional remittance process is solved; the transaction result is identified by automatic serial number comparison, which reduces the workload of financial personnel who rely on experience for manual identification, reduces the errors caused by human factors, and the automatic serial number comparison and transaction result identification mechanism makes the identification and processing of inter-bank remittance return faster, thereby improving the financial work efficiency; in addition, the original transaction platform can timely identify the remittance return through the mechanism of the present invention, avoids the delay caused by the untimely feedback of the payee, and ensures that the remitter can quickly discover and process the remittance return; accurately and timely identifying the remittance return can reduce the risk of funds in transit and avoid the loss of funds caused by information errors; through the comparison and identification of serial numbers, customers can more clearly understand the execution results of the transaction, and enhance the transparency of the transaction process; due to the improvement of the degree of automation, financial personnel can devote more time and energy to other high-value work, optimizing resource allocation. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the technical solution of the present invention, the drawings required for use in the embodiments are briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present invention and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0023] Figure 1 It is a flow chart of a transaction result identification method provided by an embodiment of the present invention;

[0024] Figure 2 is another flow chart of the transaction result identification method provided by an embodiment of the present invention;

[0025] Figure 3 is a structural example diagram of an inter-bank transaction system provided by an embodiment of the present invention;

[0026] Figure 4 It is a structural schematic diagram of a transaction result identification device provided by an embodiment of the present invention;

[0027] Figure 5 It is a structural schematic diagram of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0028] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0029] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0030] Figure 1 It is a flow chart of the transaction result identification method provided in an embodiment of the present invention. The transaction result identification method provided in an embodiment of the present invention can be applied to the scenario of identifying the actual remittance result during inter-bank remittance. The transaction result identification method can be executed by the transaction result identification device provided in an embodiment of the present invention, and the device can be implemented in software and / or hardware. In a specific embodiment, the device can be integrated in an electronic device, and the electronic device can be a computer, server, etc. corresponding to the first transaction platform in the inter-bank transaction system. The inter-bank transaction system also includes a second transaction platform, and the first transaction platform and the second transaction platform can be the backends corresponding to different banks. The first transaction platform is connected to a first client, and the second transaction platform is connected to a second client. There can be multiple first clients and multiple second clients. The following embodiment describes the transaction result identification method from the perspective of the first transaction platform. See. Figure 1 The transaction result identification method of this embodiment may include the following steps:

[0031] Step 110, obtaining a request initiated by the first client to transfer money to the second client, and obtaining a first transfer request, wherein the first transfer request includes a first sequence number.

[0032] The first client refers to the party that currently initiates the remittance operation, that is, the remitter. The second client refers to the party that currently receives the remittance, that is, the payee. The remittance request is a fund transfer instruction initiated by the customer through the banking system, which contains information related to the remittance, such as the amount, the name of the payee, the account information, etc., to ensure that the funds can be correctly transferred from the remitter to the payee. The first remittance request refers to a specific request initiated by the first client (remitter) to remit money to the second client (payee). The first serial number is an identifier used to identify and track the first remittance request. It can be composed of numbers and / or letters, etc., and is used to distinguish transactions and achieve traceability of transactions. The first serial number can be a custom setting of the customer corresponding to the first client, or it can be generated or assigned in real time by the first trading platform for this transaction.

[0033] For example, user X is a user of the first trading platform, and user Y is a user of the second trading platform. When user X wants to remit money to user Y, user X can operate on the page provided by the first client, such as filling in the remittance amount, the name of the payee Y, the account information of Y, the name of the trading platform where Y is located, etc. In addition, a serial number needs to be set for this remittance. If the set serial number is "ABC111", the input and set data is submitted to the first trading platform, that is, the first remittance request is initiated, and the first trading platform receives the first remittance request initiated by the first client.

[0034] Step 120: deduct money from the account corresponding to the first client according to the first remittance request, and generate first transfer information according to the deduction result, wherein the first transfer information includes a first serial number.

[0035] The account corresponding to the first client refers to the account held by the first client (i.e. the current remitter) in the first trading platform, which will be used for the deduction operation. The deduction operation is the process in which the first trading platform deducts the corresponding amount from the account corresponding to the first client according to the first remittance request. The deduction result refers to the result after the deduction operation is completed, which usually indicates whether the specified amount has been successfully deducted from the account. The first transfer information is the information generated by the first trading platform after the deduction is successful, which contains relevant information about the transfer, such as the transfer amount, account information of the two parties to the transfer, etc. Of course, the first transfer information will also include the first serial number to track and manage the transaction.

[0036] For example, assuming that user X wants to remit 1,000 yuan to user Y, in this step, 1,000 yuan may be deducted from user X's account on the first trading platform, and a first transfer message including a serial number "ABC111" may be generated.

[0037] Step 130: Send the first transfer information to the second trading platform, so that the second trading platform performs a deposit operation on the account corresponding to the second client according to the first transfer information.

[0038] The second trading platform refers to the platform of the bank or financial institution where the party currently receiving the remittance is located, that is, the second trading platform is the current bank system of the payee, responsible for processing the transfer information from the first trading platform. The entry operation refers to the process in which the second trading platform records the remittance amount into the account of the payee (the second client) according to the received transfer information.

[0039] For example, assuming that user X wants to remit 1,000 yuan to user Y, in this step, the second trading platform may credit 1,000 yuan to user Y's account on the second trading platform.

[0040] Step 140, receiving second transfer information sent by the second trading platform, the second transfer information is generated by the second trading platform according to the deduction result after performing a deduction operation on the account corresponding to the second client according to the second remittance request, the second remittance request is a request initiated by the second client to remit money to the first client, and the second remittance request and the second transfer information include a second serial number.

[0041] The second remittance request is a request initiated by the second client (payee) to remit money to the first client (remitter). This may be a reverse remittance (i.e., return remittance) caused by a refund, correction of an erroneous transfer, or other reasons, or it may be a normal remittance. If it is a return remittance, the second remittance request should carry the sequence number carried by the original remittance (i.e., the first remittance request) for the return remittance. If it is a normal remittance, the second remittance request may carry a sequence number different from the sequence number carried by the original remittance, or it may not carry a sequence number. This embodiment is described by taking the second remittance request carrying a sequence number as an example. Since it is not clear whether it is a return remittance or a normal remittance at this time, the sequence number carried in the second remittance request can be referred to as the second sequence number. The second transfer information is the information generated by the second trading platform after processing the remittance request of the second client (payee) and performing the deduction operation. It contains transfer related information, such as the transfer amount, account information of both parties, etc. The account corresponding to the second client refers to the account held by the second client (payee) in the second trading platform, and this account is used for the deduction operation at this time.

[0042] After receiving the remittance from the first client, the second client may return the remittance from the first client to the first client for some reason, or may initiate a normal remittance to the first client. If the second client wants to return the remittance from the first client, the second client needs to carry the serial number carried in the first remittance request initiated by the first client in the second remittance request when initiating the remittance request. Continuing with the previous example, assuming that user X remits 1,000 yuan to user Y, and user Y wants to return the money, user Y can initiate a refund request on the second trading platform, which is called a second remittance request. The second remittance request carries the serial number "ABC111". After the second trading platform deducts 1,000 yuan from user Y's account on the second trading platform, it can generate a second transfer information containing the serial number "ABC111".

[0043] Step 150, comparing the second serial number with the first serial number, and identifying the execution result of the first remittance request according to the comparison result.

[0044] Specifically, the first trading platform can compare the second sequence number with the first sequence number. If the second sequence number is the same as the first sequence number, it can be determined that the remittance of the first client has been returned, that is, the execution result of the first remittance request is a return. If the second sequence number is different from the first sequence number, the subsequent transfer information from the second client of the second trading platform to the first client can continue to be detected. If the second sequence number that is the same as the first sequence number is not detected within the effective remittance return period, it is determined that the execution result of the first remittance request is a successful remittance.

[0045] In this embodiment, a serial number is introduced into the remittance process, and each transaction is identified by the serial number, so that each remittance and its corresponding remittance return can be accurately tracked and identified, which solves the problem that the remittance status cannot be automatically updated in the traditional remittance process; the transaction results are identified by automatic serial number comparison, which reduces the workload of financial personnel who rely on experience for manual identification, reduces the errors caused by human factors, and the automated serial number comparison and transaction result identification mechanism makes the identification and processing of inter-bank remittance returns faster, thereby improving the efficiency of financial work; in addition, the original transaction platform can timely identify the remittance return through the mechanism of the present invention, avoids delays caused by untimely feedback from the payee, and ensures that the remitter can quickly discover and process the remittance return; accurate and timely identification of remittance returns can reduce the risk of funds in transit and avoid capital losses caused by information errors; through the comparison and identification of serial numbers, customers can more clearly understand the execution results of the transaction, and enhance the transparency of the transaction process; due to the improvement of the degree of automation, financial personnel can devote more time and energy to other high-value work, optimizing resource allocation.

[0046] Combine the following Figure 2 and Figure 3 , further illustrating the transaction result identification method provided by an embodiment of the present invention. Figure 2 is another flow chart of the transaction result identification method provided by an embodiment of the present invention, Figure 3 It is a structural example diagram of the inter-bank transaction system provided by an embodiment of the present invention.

[0047] Figure 3 In the example shown, the interbank transaction system includes a first transaction platform and a second transaction platform. The first transaction platform is connected to a first client, and the second transaction platform is connected to a second client, that is, the user of the first client is a user of the first transaction platform, and the user of the second client is a user of the second transaction platform. The first transaction platform and the second transaction platform are the backends corresponding to different banks.

[0048] Continue reading Figure 2 The transaction result identification method of this embodiment may include:

[0049] Step 201: Obtain the remittance type selected by the first client.

[0050] Specifically, when the user corresponding to the first client has a remittance demand, a remittance type selection page can be displayed on the first client for the user to select the remittance type. Remittance types may include peer remittances and inter-bank remittances. Peer remittances refer to remittances between users on the same trading platform, and inter-bank remittances refer to remittances between users on different trading platforms. In addition, the first trading platform may also compare the name of the trading platform where the remitter is located, the remittance account number with the name of the trading platform where the payee is located, the receiving account number, etc., so as to identify the remittance type. That is, if the name of the trading platform where the remitter is located is different from the name of the trading platform where the payee is located, or the remittance account number of the remitter and the receiving account number of the payee belong to different trading platforms, it is determined to be an inter-bank remittance.

[0051] Step 202: When the remittance type is inter-bank remittance, the inter-bank remittance page is displayed using the first client, and the inter-bank remittance page includes a sequence number setting item, and the sequence number setting item is used to set a first sequence number.

[0052] The inter-bank remittance page is a page for inter-bank remittance operations. This page can be used to collect the information required for inter-bank remittance. The inter-bank remittance page provides a serial number setting item, which is used for the remittance user to set the first serial number. When performing an inter-bank remittance operation, the first client will display a special inter-bank remittance page, and the user can initiate a remittance request through this page. In this page, there will be a serial number setting item, where the user can set a serial number to distinguish different transactions. This serial number will be used to identify and track the inter-bank remittance transaction to ensure the traceability of the transaction. In this way, users can accurately identify and manage their remittance operations and improve the transparency and security of transactions.

[0053] A remittance can include one or more remittances. The user needs to set a serial number for each remittance. In the same batch of remittances, the serial number of each remittance should be different to facilitate tracking of the results of each remittance. For example, user X has only one remittance initiated to user Y this time, and the remittance request can carry the serial number "ABC111" set for this remittance. For example, user X has three remittances initiated to user Y this time, and the remittance request can carry the serial numbers "ABC111", "ABC222" and "ABC333" set for these three remittances respectively.

[0054] Step 203: Obtain a request initiated by the first client to transfer money to the second client, and obtain a first transfer request, wherein the first transfer request includes a first sequence number.

[0055] The number of first sequence numbers is the same as the number of remittances involved in the first remittance request. In order to ensure the traceability of each remittance, after receiving the first remittance request, if it is found that the first remittance request involves multiple remittances, that is, the first remittance request is a batch remittance request, it can be further determined whether the first sequence numbers corresponding to the remittances are the same. If the first sequence numbers corresponding to the remittances are different, further remittance processing can be performed; if the first sequence numbers corresponding to the remittances are the same, the user corresponding to the first client can be prompted to modify or reset the relevant sequence number.

[0056] Step 204: deduct money from the account corresponding to the first client according to the first remittance request, and generate first transfer information according to the deduction result, wherein the first transfer information includes a first serial number.

[0057] If the first remittance request involves only one remittance, a deduction operation can be performed on the account corresponding to the first client according to the amount of the remittance; if the first remittance request involves multiple remittances, deduction operations can be performed on the account corresponding to the first client according to the amount of each remittance, and multiple deduction operations are required in total. If multiple remittances are involved, when the deduction results of each remittance are successful, first transfer information can be generated according to the deduction results of each remittance, and the first transfer information includes a first serial number corresponding to each remittance.

[0058] When the first remittance request is a batch remittance request, the batch remittance request may involve multiple first clients and multiple second clients. For example, under the operation of a financial staff, the funds of multiple users on the first trading platform may be remitted to multiple users on the second trading platform.

[0059] Step 205: Send the first transfer information to the second trading platform, so that the second trading platform performs a deposit operation on the account corresponding to the second client according to the first transfer information.

[0060] If the first remittance request involves only one remittance, a single deposit operation can be performed on the account corresponding to the second client according to the amount of this remittance; if the first remittance request involves multiple remittances, separate deposit operations can be performed on the account corresponding to the second client according to the amount of each remittance, that is, multiple deposit operations are required.

[0061] Step 206, receiving second transfer information sent by the second trading platform, the second transfer information is generated by the second trading platform according to the deduction result after performing a deduction operation on the account corresponding to the second client according to the second remittance request, the second remittance request is a request initiated by the second client to remit money to the first client, and the second remittance request and the second transfer information include a second serial number.

[0062] If the first remittance request involves only one remittance, the second client can determine whether to return the remittance according to the actual situation; if it is to be returned, the first serial number originally carried by the remittance is carried in the initiated second remittance request. If the first remittance request involves multiple remittances, the second client can determine whether to return the remittance and for which remittances to return according to the actual situation; if it is to be returned, the first serial number originally carried by the remittance to be returned is carried in the initiated second remittance request.

[0063] Step 207, comparing the second serial number with the first serial number, and identifying the execution result of the first remittance request according to the comparison result.

[0064] If the first remittance request involves only one remittance, it can be determined whether the second sequence number is the same as the first sequence number; if the second sequence number is the same as the first sequence number, it is determined that the execution result of the first remittance request is a refund. If the first remittance request involves multiple remittances, each remittance corresponds to a first sequence number, then the sequence number that is the same as the second sequence number can be identified from the first sequence number to obtain the refund sequence number; the execution result of the remittance corresponding to the refund sequence number in the first remittance request is determined to be a refund. That is, when the first remittance request involves multiple remittances, some remittances in the first remittance request may be successful, and some remittances may fail. The failed and successful remittances in the first remittance request can be distinguished and marked.

[0065] Continuing with the previous example, user X has initiated three remittances to user Y this time. The first remittance request carries the serial numbers "ABC111", "ABC222" and "ABC333" for these three remittances. After user Y receives these three remittances, he finds that the remittance information of two of them is incorrect and needs to be returned. Assuming that the serial numbers of the remittances to be returned are "ABC111" and "ABC222", the serial numbers "ABC111" and "ABC222" can be carried in the second remittance request. The second transaction system processes the second remittance request to generate the second transfer information, which still carries the serial numbers "ABC111" and "ABC222". After receiving the second transfer information, the first transaction system extracts the serial numbers "ABC111" and "ABC222" in the second transfer information. By comparison, it is found that these two serial numbers also exist in the first transfer information. Therefore, the remittance details corresponding to the serial numbers "ABC111" and "ABC222" can be found from its own remittances, and the execution result of the first remittance request can be generated according to the remittance details corresponding to the serial numbers "ABC111" and "ABC222". The execution result of the first remittance request can be that the remittances corresponding to "ABC111" and "ABC222" fail, and the remittance corresponding to "ABC333" succeeds.

[0066] Step 208: receiving a remittance result query request initiated by the first client.

[0067] The remittance result query request may carry the serial number of the remittance to be queried, so that the first trading platform can make targeted inquiries.

[0068] Step 209: respond to the remittance result query request and feed back the execution result of the first remittance request to the first client.

[0069] When the first remittance request involves multiple remittances, the execution result of each remittance may be fed back to the first client to provide a comprehensive query result.

[0070] In addition, if the transfer information sent by the first trading platform carries a serial number, but the transfer information sent by the second trading platform does not carry a serial number, the first trading platform can also identify the returned remittance by checking the transaction details. For example, the first trading platform can compare the remittance details corresponding to the received transfer information with the remittance details corresponding to the transfer information sent within a period of time, find out the matching transfer information, and determine the remittance result corresponding to the matching transfer information as a remittance failure. The matching transfer information can be a transfer information with the same remittance amount and the opposite sender and receiver information of the remittance.

[0071] In this embodiment, a serial number is introduced into the remittance process, and each transaction is identified by the serial number, so that each remittance and its corresponding remittance return can be accurately tracked and identified, which solves the problem that the remittance status cannot be automatically updated in the traditional remittance process; the transaction results are identified by automatic serial number comparison, which reduces the workload of financial personnel who rely on experience for manual identification, reduces the errors caused by human factors, and the automated serial number comparison and transaction result identification mechanism makes the identification and processing of inter-bank remittance returns faster, thereby improving the efficiency of financial work; in addition, the original transaction platform can timely identify the remittance return through the mechanism of the present invention, avoids delays caused by untimely feedback from the payee, and ensures that the remitter can quickly discover and process the remittance return; accurate and timely identification of remittance returns can reduce the risk of funds in transit and avoid capital losses caused by information errors; through the comparison and identification of serial numbers, customers can more clearly understand the execution results of the transaction, and enhance the transparency of the transaction process; due to the improvement of the degree of automation, financial personnel can devote more time and energy to other high-value work, optimizing resource allocation.

[0072] Figure 4 is a structural schematic diagram of a transaction result identification device provided by an embodiment of the present invention, the device is applied to a first transaction platform in an inter-bank transaction system, the inter-bank transaction system also includes a second transaction platform, the first transaction platform is connected to a first client, and the second transaction platform is connected to a second client, such as Figure 4 As shown, the device comprises:

[0073] The acquisition module 401 is used to acquire a request initiated by the first client to remit money to the second client, and obtain a first remittance request, wherein the first remittance request includes a first sequence number;

[0074] A deduction module 402, configured to perform a deduction operation on an account corresponding to the first client according to the first remittance request, and generate first transfer information according to the deduction result, wherein the first transfer information includes a first sequence number;

[0075] The sending module 403 is used to send the first transfer information to the second trading platform, so that the second trading platform performs a deposit operation on the account corresponding to the second client according to the first transfer information;

[0076] The receiving module 404 is used to receive the second transfer information sent by the second trading platform, the second transfer information is generated by the second trading platform according to the deduction result after performing the deduction operation on the account corresponding to the second client according to the second remittance request, the second remittance request is a request initiated by the second client to remit money to the first client, and the second remittance request and the second transfer information include the second sequence number;

[0077] The identification module 405 is used to compare the second serial number with the first serial number, and identify the execution result of the first remittance request according to the comparison result.

[0078] In one embodiment, before obtaining the request initiated by the first client to transfer money to the second client, the obtaining module 401 is further used to:

[0079] Get the remittance type selected by the first client;

[0080] When the remittance type is inter-bank remittance, the first client is used to display an inter-bank remittance page, which includes a sequence number setting item, and the sequence number setting item is used to set a first sequence number.

[0081] In one embodiment, the first remittance request includes a remittance, and the identification module 405 compares the second sequence number with the first sequence number, and identifies the execution result of the first remittance request according to the comparison result, including:

[0082] Determine whether the second serial number is the same as the first serial number;

[0083] If the second sequence number is the same as the first sequence number, it is determined that the execution result of the first remittance request is a return.

[0084] In one embodiment, the first remittance request includes multiple remittances, each remittance corresponds to a first sequence number, and the second sequence number is compared with the first sequence number. The identification module 405 identifies the execution result of the first remittance request according to the comparison result, including:

[0085] Identify the serial number that is identical to the second serial number from the first serial number to obtain a refund serial number;

[0086] The execution result of the remittance corresponding to the refund sequence number in the first remittance request is determined as a refund.

[0087] In one embodiment, before the deduction module 402 performs a deduction operation on the account corresponding to the first client according to the first remittance request, it further includes:

[0088] Determine whether the first sequence numbers corresponding to each remittance are the same;

[0089] When the first sequence numbers corresponding to the remittances are different, a deduction operation is performed on the account corresponding to the first client according to the first remittance request.

[0090] In one embodiment, a query module is further included, and the query module is used to:

[0091] Receiving a remittance result query request initiated by the first client;

[0092] In response to the remittance result query request, the execution result of the first remittance request is fed back to the first client.

[0093] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional modules is used as an example for illustration. In actual applications, the above-mentioned 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. The specific working process of the functional modules described above can refer to the corresponding process in the aforementioned method embodiment, and will not be repeated here.

[0094] The device of the embodiment of the present invention introduces a serial number in the remittance process, and uses the serial number to identify each transaction, so that each remittance and its corresponding remittance return can be accurately tracked and identified, and the problem that the remittance status cannot be automatically updated in the traditional remittance process is solved; the transaction result is identified by automatic serial number comparison, which reduces the workload of financial personnel who rely on experience for manual identification, reduces the errors caused by human factors, and the automatic serial number comparison and transaction result identification mechanism makes the identification and processing of inter-bank remittance return faster, thereby improving the efficiency of financial work; in addition, the original transaction platform can timely identify the remittance return through the mechanism of the present invention, avoids the delay caused by the untimely feedback of the payee, and ensures that the remitter can quickly discover and process the remittance return; accurately and timely identifying the remittance return can reduce the risk of funds in transit and avoid the loss of funds caused by information errors; through the comparison and identification of serial numbers, customers can more clearly understand the execution results of the transaction, and enhance the transparency of the transaction process; due to the improvement of the degree of automation, financial personnel can devote more time and energy to other high-value work, optimizing resource allocation.

[0095] Reference below Figure 5 , which shows a schematic diagram of the structure of a computer system 500 of an electronic device suitable for implementing an embodiment of the present invention. Figure 5 The electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0096] like Figure 5As shown, the computer system 500 includes a central processing unit (CPU) 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage part 508 into a random access memory (RAM) 503. In the RAM 503, various programs and data required for the operation of the computer system 500 are also stored. The CPU 501, the ROM 502, and the RAM 503 are connected to each other via a bus 504. An input / output (I / O) interface 505 is also connected to the bus 504.

[0097] The following components are connected to the I / O interface 505: an input section 506 including a keyboard, a mouse, etc.; an output section 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, a modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the I / O interface 505 as needed. A removable medium 511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 510 as needed, so that a computer program read therefrom is installed into the storage section 508 as needed.

[0098] In particular, according to the embodiments disclosed in the present invention, 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 invention 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 the network through the communication part 509, and / or installed from the removable medium 511. When the computer program is executed by the central processing unit (CPU) 501, the above-mentioned functions defined in the system of the present invention are executed.

[0099] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, 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), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a 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, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0100] 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 invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a 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 box can also occur in a different order from the order marked in the accompanying drawings. For example, two 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 box in the block diagram or flow chart, and the combination of the boxes in the block diagram 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.

[0101] The modules and / or units involved in the embodiments of the present invention may be implemented in software or hardware. The modules and / or units described may also be set in a processor. For example, it may be described as follows: a processor includes an acquisition module, a deduction module, a sending module, a receiving module, and an identification module. The names of these modules do not, in some cases, constitute limitations on the modules themselves.

[0102] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes:

[0103] A request for remittance to a second client initiated by a first client is obtained, and a first remittance request is obtained, wherein the first remittance request includes a first serial number; a deduction operation is performed on an account corresponding to the first client according to the first remittance request, and first transfer information is generated according to the deduction result, wherein the first transfer information includes a first serial number; the first transfer information is sent to a second trading platform, so that the second trading platform performs a crediting operation on the account corresponding to the second client according to the first transfer information; second transfer information is received from the second trading platform, wherein the second transfer information is generated according to the deduction result after the second trading platform performs a deduction operation on the account corresponding to the second client according to the second remittance request, and the second remittance request is a request initiated by the second client to remit money to the first client, and the second remittance request and the second transfer information include a second serial number; the second serial number is compared with the first serial number, and the execution result of the first remittance request is identified according to the comparison result.

[0104] The technical solution of the embodiment of the present invention introduces a serial number in the remittance process, and uses the serial number to identify each transaction, so that each remittance and its corresponding remittance return can be accurately tracked and identified, and the problem that the remittance status cannot be automatically updated in the traditional remittance process is solved; the transaction result is identified by automatic serial number comparison, which reduces the workload of financial personnel who rely on experience for manual identification, reduces the errors caused by human factors, and the automatic serial number comparison and transaction result identification mechanism makes the identification and processing of inter-bank remittance return faster, thereby improving the efficiency of financial work; in addition, the original transaction platform can timely identify the remittance return through the mechanism of the present invention, avoids the delay caused by the untimely feedback of the payee, and ensures that the remitter can quickly discover and process the remittance return; accurately and timely identifying the remittance return can reduce the risk of funds in transit and avoid the loss of funds caused by information errors; through the comparison and identification of serial numbers, customers can more clearly understand the execution results of the transaction, and enhance the transparency of the transaction process; due to the improvement of the degree of automation, financial personnel can devote more time and energy to other high-value work, optimizing resource allocation.

[0105] An embodiment of the present invention further provides a computer program product, including a computer program, which, when executed by a processor, implements the transaction result identification method provided in any embodiment of the present application.

[0106] In the process of implementation, the computer program product can be written in one or more programming languages ​​or a combination thereof to perform the computer program code of the present invention, including object-oriented programming languages, such as Java, Smalltalk, C++, and conventional procedural programming languages, such as "C" language or similar programming languages. The program code can 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 can 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 can be connected to an external computer (for example, using an Internet service provider to connect through the Internet).

[0107] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0108] It should be noted that the collection, use, storage, sharing and transfer of user personal information involved in the technical solution of the present invention are in compliance with the provisions of relevant laws and regulations, and the user needs to be informed and the user's consent or authorization is obtained. When applicable, the user's personal information is de-identified and / or anonymized and / or encrypted. In addition, the corresponding operation entrance is provided for the user to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.

[0109] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A transaction result identification method is applied to a first transaction platform in an inter-bank transaction system, wherein the inter-bank transaction system also includes a second transaction platform, the first transaction platform is connected to a first client, and the second transaction platform is connected to a second client, wherein: Transaction result identification methods include: Acquire a request initiated by the first client to remit money to the second client, and obtain a first remittance request, wherein the first remittance request includes a first sequence number; Performing a deduction operation on an account corresponding to the first client according to the first remittance request, and generating first transfer information according to the deduction result, wherein the first transfer information includes a first sequence number; Sending the first transfer information to the second trading platform, so that the second trading platform performs a deposit operation on the account corresponding to the second client according to the first transfer information; receiving second transfer information sent by the second trading platform, where the second transfer information is generated by the second trading platform according to a deduction result after the second trading platform performs a deduction operation on the account corresponding to the second client according to the second remittance request, the second remittance request is a request initiated by the second client to remit money to the first client, and both the second remittance request and the second transfer information include a second sequence number; The second serial number is compared with the first serial number, and the execution result of the first remittance request is identified according to the comparison result.

2. The method according to claim 1, characterized in that: Before obtaining the request initiated by the first client to transfer money to the second client, the method further includes: Get the remittance type selected by the first client; When the remittance type is inter-bank remittance, the first client is used to display an inter-bank remittance page, which includes a sequence number setting item, and the sequence number setting item is used to set a first sequence number.

3. The method according to claim 1, characterized in that The first remittance request includes a remittance, and the second sequence number is compared with the first sequence number. The execution result of the first remittance request is identified according to the comparison result, including: Determine whether the second serial number is the same as the first serial number; If the second sequence number is the same as the first sequence number, it is determined that the execution result of the first remittance request is a return.

4. The method according to claim 1, characterized in that: The first remittance request includes multiple remittances, each remittance corresponds to a first sequence number, the second sequence number is compared with the first sequence number, and the execution result of the first remittance request is identified according to the comparison result, including: Identify the serial number that is identical to the second serial number from the first serial number to obtain a refund serial number; The execution result of the remittance corresponding to the refund sequence number in the first remittance request is determined as a refund.

5. The method according to claim 4, characterized in that Before performing a deduction operation on the account corresponding to the first client according to the first remittance request, the method further includes: Determine whether the first sequence numbers corresponding to each remittance are the same; When the first sequence numbers corresponding to the remittances are different, a deduction operation is triggered to be performed on the account corresponding to the first client according to the first remittance request.

6. The method according to any one of claims 1 to 5, characterized in that: Also includes: Receiving a remittance result query request initiated by the first client; In response to the remittance result query request, the execution result of the first remittance request is fed back to the first client.

7. A transaction result identification device, applied to a first transaction platform in an inter-bank transaction system, the inter-bank transaction system also includes a second transaction platform, the first transaction platform is connected to a first client, and the second transaction platform is connected to a second client, characterized in that: The device includes: An acquisition module, used for acquiring a request initiated by a first client to remit money to a second client, and obtaining a first remittance request, wherein the first remittance request includes a first sequence number; A deduction module, configured to perform a deduction operation on an account corresponding to the first client according to the first remittance request, and generate first transfer information according to the deduction result, wherein the first transfer information includes a first sequence number; A sending module, configured to send the first transfer information to the second trading platform, so that the second trading platform performs a deposit operation on the account corresponding to the second client according to the first transfer information; a receiving module, configured to receive second transfer information sent by a second trading platform, wherein the second transfer information is generated by the second trading platform according to a deduction result after the second trading platform performs a deduction operation on an account corresponding to the second client according to a second remittance request, wherein the second remittance request is a request initiated by the second client to remit money to the first client, and both the second remittance request and the second transfer information include a second sequence number; The identification module is used to compare the second serial number with the first serial number and identify the execution result of the first remittance request according to the comparison result.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the transaction result identification method according to any one of claims 1 to 6 is implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the transaction result identification method according to any one of claims 1 to 6 is 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 transaction result identification method according to any one of claims 1 to 6 is implemented.

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