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

Abstract

Embodiments of the present application provide a transaction result identification method, device, equipment, storage medium and program product, which are applied to the field of financial technology, and the specific method comprises: obtaining a request of remittance initiated by a first client to a second client to obtain a first remittance request comprising a first serial number; performing a deduction operation on an account corresponding to the first client according to the first remittance request, generating first transfer information comprising the first serial number according to the deduction result; sending the first transfer information to a second transaction platform, so that the second transaction platform performs a deposit operation on an account corresponding to the second client according to the first transfer information; receiving second transfer information comprising a second serial number sent by the second transaction platform, the second transfer information being generated by the second transaction 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; 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.

Description

TECHNICAL FIELD

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

[0002] Cross-bank remittance is a basic service in financial business, which allows customers to transfer funds between different banks. However, due to information errors, such as inaccurate filling of account number, name, bank name, bank number, etc., the phenomenon of remittance return often occurs. In the traditional remittance processing flow, once the funds are remitted to the opposite bank, the original remittance bank will display the remittance status as successful. Even if the funds are returned due to information errors later, 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 the funds returned previously.

[0003] This limitation leads to the following problems faced by customers when making cross-bank remittance:

[0004] First, when there are multiple remittances, financial personnel need to identify which remittances belong to remittance return and which remittance failed to be returned based on experience, which is inefficient and inaccurate. Second, the feedback from the recipient may not be timely, which prevents the remitter from quickly discovering the remittance return, thereby affecting the efficiency of financial work. SUMMARY

[0005] Embodiments of the present application provide a transaction result identification method, device, equipment, storage medium and program product, which improves the accuracy and efficiency of cross-bank transactions and provides customers with more reliable and efficient financial services.

[0006] In a first aspect, the transaction result identification method provided by embodiments of the present application is applied to a first transaction platform in a cross-bank transaction system, the cross-bank transaction system further includes a second transaction platform, the first transaction platform is connected to a first client, the second transaction platform is connected to a second client, and the transaction result identification method includes:

[0007] Obtaining a request for remittance from the first client to the second client initiated by the first client to obtain a first remittance request, the first remittance request including a first serial number;

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

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

[0010] receive second transfer information sent by the second transaction platform, the second transfer information being generated by the second transaction platform according to a result of a deduction operation performed on an account corresponding to the second client according to a second remittance request, the second remittance request being a request for remittance from the second client to the first client, and the second remittance request and the second transfer information both including a second serial number;

[0011] compare the second serial number with the first serial number, and identify the execution result of the first remittance request according to a comparison result.

[0012] In a second aspect, the embodiment of the present application provides a transaction result identification device, which is applied to a first transaction platform in a cross-bank transaction system, the cross-bank transaction system further comprising a second transaction platform, the first transaction platform being connected to a first client, and the second transaction platform being connected to a second client, and the device comprising:

[0013] a obtaining module, configured to obtain a request for remittance from the first client to the second client, to obtain a first remittance request, and to obtain a first serial number in the first remittance request;

[0014] a deduction module, configured to perform a deduction operation on an account corresponding to the first client according to the first remittance request, to generate first transfer information according to a result of the deduction operation, and to include the first serial number in the first transfer information;

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

[0016] a receiving module, configured to receive second transfer information sent by the second transaction platform, the second transfer information being generated by the second transaction platform according to a result of a deduction operation performed on an account corresponding to the second client according to a second remittance request, the second remittance request being a request for remittance from the second client to the first client, and the second remittance request and the second transfer information both including a second serial number;

[0017] a comparison module, configured to compare the second serial number with the first serial number, and to identify the execution result of the first remittance request according to a comparison result.

[0018] In a third aspect, the embodiment of the present application provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and capable of running on the processor, and the processor implements the transaction result identification method according to any one of the embodiments of the present application when executing the program.

[0019] In a fourth aspect, the embodiment of the present application provides a computer readable storage medium, which stores a computer program, and the program is executed by a processor to implement the transaction result identification method according to any one of the embodiments of the present application.

[0020] In a fifth aspect, a computer program product is provided, which includes a computer program, and the computer program, when executed by a processor, implements the transaction result identification method according to any of the embodiments of the present application.

[0021] In the embodiments of the present application, the sequence number is introduced in the remittance process, and each transaction is identified by using the sequence number, so that each remittance and the corresponding remittance refund 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 comparison of the sequence number, the workload of manual identification by the financial personnel depending on experience is reduced, the error caused by human factors is reduced, the automatic comparison of the sequence number and the transaction result identification mechanism make the identification and processing of the cross-bank remittance refund more rapid, and the financial work efficiency is improved; in addition, the original transaction platform can identify the remittance refund in time through the mechanism of the present application, the delay caused by the fact that the payee feedback is not in time is avoided, and it is ensured that the remitter can quickly find and process the remittance refund; accurate and timely identification of the remittance refund can reduce the risk of funds in transit and avoid the loss of funds caused by information errors; through the comparison and identification of the sequence number, the customer can more clearly understand the execution result of the transaction, and the transparency of the transaction process is enhanced; due to the improvement of the automation degree, the financial personnel can invest more time and energy into other high-value work, and the resource allocation is optimized. BRIEF DESCRIPTION OF DRAWINGS

[0022] In order to more clearly illustrate the technical solutions of the present application, the following will briefly introduce the drawings needed to be used in the embodiments. It should be understood that the following drawings only show some of the embodiments of the present application, and therefore should not be considered as a limitation to the scope. For those skilled in the art, other related drawings can also be obtained without creative labor.

[0023] Figure 1 is a flowchart of the transaction result identification method provided by the embodiments of the present application;

[0024] Figure 2 is another flowchart of the transaction result identification method provided by the embodiments of the present application;

[0025] Figure 3 is a structural example diagram of the cross-bank transaction system provided by the embodiments of the present application;

[0026] Figure 4 is a structural schematic diagram of the transaction result identification device provided by the embodiments of the present application;

[0027] Figure 5 is a structural schematic diagram of the electronic device provided by the embodiments of the present application. DETAILED DESCRIPTION

[0028] In the following, the technical solutions in the embodiments of the present application will be described clearly and completely with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments of the present application. Based on the embodiments in the present application, all the other embodiments obtained by a person of ordinary skill in the art without creative work should belong to the protection scope of the present application.

[0029] It should be noted that the terms "first", "second" and the like in the description and claims of the present application and the above drawings are used to distinguish similar objects, and do not necessarily indicate a specific order or sequence. It should be understood that the data thus used can be interchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented in other than the order illustrated or described herein. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device that includes a list of steps or units need not be limited to those steps or units clearly listed, but can include other steps or units not clearly listed or inherent to such processes, methods, products or devices.

[0030] Figure 1 is a flowchart of a transaction result identification method provided by an embodiment of the present application. The transaction result identification method provided by the embodiment of the present application can be applied to the scenario of identifying the actual remittance result when cross-bank remittance. The transaction result identification method can be executed by a transaction result identification device provided by the embodiment of the present application, and the device can be realized in the form of 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, a server or the like corresponding to the first transaction platform in the cross-bank transaction system. The cross-bank transaction system further 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 accessed by a first client, and the second transaction platform is accessed by a second client. The first client and the second client can both have multiple clients. The following embodiments illustrate the transaction result identification method from the perspective of the first transaction platform. Referring to Figure 1 The transaction result identification method of the embodiment can include the following steps:

[0031] In step 110, a request for remittance from the first client to the second client is obtained, and a first remittance request is obtained. The first remittance request includes a first serial number.

[0032] The first client refers to the party that initiates the remittance operation at present, i.e. the remitter. The second client refers to the party that receives the remittance at present, i.e. the payee. The remittance request is a fund transfer instruction initiated by the client through the bank system, which contains information related to remittance, such as the amount, the payee's name, 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 the specific request for remitting money from the first client (the remitter) to the second client (the payee). The first serial number is an identifier used to identify and track the first remittance request, which can be composed of numbers and / or letters, etc., to distinguish transactions and achieve traceability of transactions. The first serial number can be set by the client corresponding to the first client, or can be generated or assigned by the first transaction platform in real time for this transaction.

[0033] For example, user X is a user of the first transaction platform, and user Y is a user of the second transaction 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 payee's name Y, Y's account information, the name of the transaction platform where Y is located, etc. In addition, a serial number needs to be set for this remittance, assuming that the serial number set is "ABC111", the input and set data are submitted to the first transaction platform, i.e. the first remittance request is initiated, and the first transaction platform receives the first remittance request initiated by the first client.

[0034] Step 120: Perform a deduction operation on the account corresponding to the first client according to the first remittance request, and generate first transfer information according to the deduction result, which includes the 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 transaction platform, which will be used for the deduction operation. The deduction operation is the process of deducting 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 transaction platform after the deduction is successful, which contains information related to the transfer, such as the transfer amount, the account information of the two parties of 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 1000 yuan to user Y, then in this step, 1000 yuan can be deducted from the account of user X in the first transaction platform, and the first transfer information containing the serial number "ABC111" is generated.

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

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

[0039] For example, assuming that user X wants to remit 1000 yuan to user Y, then in this step, the second transaction platform can record 1000 yuan into the account of user Y in the second transaction platform.

[0040] Step 140, receive the second transfer information sent by the second transaction platform, the second transfer information is generated by the second transaction platform 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), which may be a reverse remittance (i.e. refund) due to refund, correction of erroneous transfer or other reasons, or it may be a normal remittance. If it is a refund, the second remittance request should carry the serial number carried by the original remittance (i.e. the first remittance request). If it is a normal remittance, the second remittance request may carry a serial number different from the serial number carried by the original remittance, or it may not carry a serial number. This embodiment takes the second remittance request carrying a serial number as an example for description. Since it is not clear whether it is a refund or a normal remittance at this time, the serial number carried in the second remittance request can be referred to as a second serial number. The second transfer information is information generated by the second transaction platform after processing the remittance request of the second client (payee) and performing a deduction operation, which contains transfer-related information such as 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 transaction platform, which is used for the deduction operation at this time.

[0042] The second client can return the remittance of the first client to the first client for some reasons after receiving the remittance of the first client, or can initiate a normal remittance to the first client. If the second client wants to return the remittance of 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 the previous example, assuming that user X remits 1000 yuan to user Y, and then user Y wants to return the money, user Y can initiate a return request on the second transaction platform, which is called the second remittance request, and the second remittance request carries the serial number "ABC111". Therefore, after deducting 1000 yuan from the account of user Y on the second transaction platform, the second transaction platform can generate the second transfer information containing the serial number "ABC111".

[0043] In step 150, 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.

[0044] Specifically, the first transaction platform can compare the second serial number with the first serial number. If the second serial number is the same as the first serial number, it can be determined that the remittance of the first client this time is returned, that is, the execution result of the first remittance request is returned. If the second serial number is different from the first serial number, the transfer information of the second client from the second transaction platform to the first client can be continuously detected. If the same second serial number as the first serial number is not detected within the valid return period, it is determined that the execution result of the first remittance request is successful.

[0045] In this embodiment, the serial number is introduced in the remittance process, and the serial number is used to identify each transaction, so that each remittance and its corresponding return can be accurately tracked and identified, and the problem that the remittance state cannot be automatically updated in the traditional remittance process is solved; the transaction result is identified by automatic comparison of the serial number, the workload of the financial personnel for manual identification is reduced, the errors caused by human factors are reduced, the automatic comparison of the serial number and the identification mechanism of the transaction result make the identification and processing of cross-bank return more rapid, and the financial work efficiency is improved; in addition, the original transaction platform can identify the return in time through the mechanism of the present application, avoids the delay caused by the feedback of the payee not in time, and ensures that the remitter can quickly find and process the return; accurate and timely identification of the return can reduce the risk of funds in transit and avoid loss of funds caused by information errors; through comparison and identification of the serial number, the customer can more clearly understand the execution result of the transaction, and the transparency of the transaction process is enhanced; due to the improvement of the automation degree, the financial personnel can invest more time and energy into other high-value work, and the resource allocation is optimized.

[0046] The following will be described in combination with Figure 2 andFigure 3 Further illustrate the transaction result identification method provided by the embodiments of the present application. Figure 2 is another flowchart of the transaction result identification method provided by the embodiments of the present application, Figure 3 is a structural example diagram of the cross-bank transaction system provided by the embodiments of the present application.

[0047] Figure 3 As shown in the example, the cross-bank transaction system includes a first transaction platform and a second transaction platform, the first transaction platform is accessed by a first client, and the second transaction platform is accessed by a second client, that is, the user of the first client is the user of the first transaction platform, and the user of the second client is the user of the second transaction platform. The first transaction platform and the second transaction platform are the backgrounds corresponding to different banks.

[0048] Continuing to refer to Figure 2 The transaction result identification method of the embodiments can include:

[0049] Step 201, obtaining a 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 a remittance type. The remittance type can include in-bank remittance and cross-bank remittance. The in-bank remittance refers to the remittance between users under the same transaction platform, and the cross-bank remittance refers to the remittance between users under different transaction platforms. In addition, the first transaction platform can compare the transaction platform name of the remittance party, the remittance account of the remittance party, the transaction platform name of the payee, and the payee's account number, so as to identify the remittance type. That is, if the transaction platform name of the remittance party is different from the transaction platform name of the payee, or the remittance account of the remittance party and the account number of the payee belong to different transaction platforms, it is determined that it is cross-bank remittance.

[0051] Step 202, when the remittance type is cross-bank remittance, a cross-bank remittance page is displayed by using the first client, and the cross-bank remittance page includes a serial number setting item, which is used to set a first serial number.

[0052] The cross-bank remittance page is a page for performing a cross-bank remittance operation, and the cross-bank remittance page can be used to collect information required for the cross-bank remittance. In the cross-bank remittance page, a serial number setting item is provided, and the serial number setting item is used by a remittance user to set a first serial number. When performing a cross-bank remittance operation, the first client displays a special cross-bank remittance page, and the user can initiate a remittance request through the page. In this page, there is a serial number setting item, and the user can set a serial number for distinguishing different transactions here. The serial number will be used to identify and track the cross-bank remittance transaction, and ensure the traceability of the transaction. In this way, the user can accurately identify and manage his own remittance operation, and improve the transparency and security of the transaction.

[0053] A remittance can include one remittance or multiple remittances, and the user needs to set a serial number for each remittance. In the same batch of remittances, the serial numbers of each remittance should be different, so as to track the result of each remittance. For example, the user X initiates a remittance to the user Y this time, and there is only one remittance in the remittance request, and the remittance request can carry the serial number "ABC111" set for the remittance. For example, the user X initiates a remittance to the user Y this time, and there are three remittances in the remittance request, and the remittance request can carry the serial numbers "ABC111", "ABC222" and "ABC333" set for the three remittances, respectively.

[0054] In step 203, a request for remitting money from the first client to the second client is obtained, and a first remittance request is obtained, and the first remittance request includes a first serial number.

[0055] The number of first serial 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 judged whether the first serial numbers corresponding to each remittance are the same. If the first serial numbers corresponding to each remittance are not the same, further remittance processing can be performed; if the first serial numbers corresponding to each remittance are the same, the user corresponding to the first client can be prompted to modify or re-set the relevant serial numbers.

[0056] In step 204, a deduction operation is performed on the account corresponding to the first client according to the first remittance request, and first transfer information is generated according to the deduction result, and the first transfer information includes the 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, a deduction operation can be performed on the account corresponding to the first client according to the amount of each remittance, and a plurality of deduction operations are required in total. If multiple remittances are involved, the first transfer information can be generated according to the deduction result of each remittance when the deduction result of each remittance is successful, and the first transfer information includes the first serial number corresponding to each remittance.

[0058] When the first remittance request is a batch remittance request, the first client and the second client involved in the batch remittance request can both have multiple clients. For example, under the operation of a financial staff, the remittances of multiple users under the first transaction platform can be remitted to multiple users under the second transaction platform.

[0059] Step 205, sending the first transfer information to the second transaction platform, so that the second transaction 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 deposit operation can be performed on the account corresponding to the second client according to the amount of the remittance; if the first remittance request involves multiple remittances, a deposit operation 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 the second transfer information sent by the second transaction platform, the second transfer information being generated by the second transaction 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 being a request initiated by the second client to remit money to the first client, and the second remittance request and the second transfer information including 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 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 and 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 serial number is the same as the first serial number; if the second serial number is the same as the first serial number, it is determined that the execution result of the first remittance request is to be returned. If the first remittance request involves multiple remittances, each remittance corresponds to a first serial number, the same serial number as the second serial number can be identified from the first serial number to obtain the refund serial number; the execution result of the remittance corresponding to the refund serial number in the first remittance request is determined to be returned. That is, when the first remittance request involves multiple remittances, the first remittance request may have some remittances successful and some remittances failed, and the failed and successful remittances in the first remittance request can be distinguished and marked.

[0065] In the preceding example, the user X initiates three remittances to the user Y this time, and the serial numbers set for the three remittances carried in the first remittance request are "ABC111", "ABC222" and "ABC333". When the user Y receives the three remittances, it is found that two remittance information is incorrect, and the two remittances need 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, and the second transfer information still carries the serial numbers "ABC111" and "ABC222". After the first transaction system receives the second transfer information, the serial numbers "ABC111" and "ABC222" in the second transfer information are extracted, and it is found through comparison that the two serial numbers also exist in the first transfer information. Then, the remittance details corresponding to the serial numbers "ABC111" and "ABC222" can be found from the remittances of the first transaction system, 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 can carry the serial number of the remittance to be queried, so that the first transaction platform can make targeted queries.

[0068] Step 209, in response to the remittance result query request, feeding 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 can be fed back to the first client to provide comprehensive query results.

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

[0071] In the embodiment, the serial number is introduced in the remittance process, and each transaction is identified by using the serial number, so that each remittance and its corresponding returned remittance can be accurately tracked and identified, and the problem that the remittance status cannot be automatically updated in the traditional remittance process is solved; by automatically comparing and identifying the transaction result by using the serial number, the workload of the financial personnel for manual identification depending on experience is reduced, the errors caused by human factors are reduced, the automatic serial number comparison and transaction result identification mechanism makes the identification and processing of cross-bank returned remittance more rapid, and the financial work efficiency is improved; in addition, the original transaction platform can identify the returned remittance in time through the mechanism of the application, avoids the delay caused by the feedback of the receiver, and ensures that the remitter can quickly find and process the returned remittance; accurate and timely identification of returned remittance can reduce the risk of funds in transit and avoid loss of funds caused by information errors; through comparison and identification of the serial number, the customer can more clearly understand the execution result of the transaction, and the transparency of the transaction process is enhanced; due to the improvement of the automation degree, the financial personnel can invest more time and energy into other high-value work, and the resource allocation is optimized.

[0072] Figure 4 is a structural schematic diagram of a transaction result identification device provided by an embodiment of the application. The device is applied to a first transaction platform in a cross-bank transaction system, the cross-bank transaction system further includes a second transaction platform, the first transaction platform is connected with a first client, and the second transaction platform is connected with a second client, as shown in Figure 4 The device includes:

[0073] The obtaining module 401 is configured to obtain a request for remitting money from the first client to the second client initiated by the first client, and obtain a first remittance request, wherein the first remittance request includes a first serial number.

[0074] The deduction module 402 is configured to perform a deduction operation on an account corresponding to the first client according to the first remittance request, generate first transfer information according to a deduction result, and the first transfer information includes the first serial number.

[0075] The sending module 403 is configured to send the first transfer information to the second transaction platform, so that the second transaction 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 configured to receive second transfer information sent by the second transaction platform, the second transfer information being generated by the second transaction platform according to a deduction result after performing a deduction operation on the account corresponding to the second client according to a second remittance request, the second remittance request being a request for remittance to the first client initiated by the second client, and the second sequence number being included in the second remittance request and the second transfer information.

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

[0078] In an embodiment, the obtaining module 401, before obtaining the request for remittance to the second client initiated by the first client, is further configured to:

[0079] Obtain a remittance type selected by the first client.

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

[0081] In an 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 a comparison result, including:

[0082] Determine whether the second sequence number and the first sequence number are the same.

[0083] If the second sequence number and the first sequence number are the same, it is determined that the execution result of the first remittance request is returned.

[0084] In an embodiment, the first remittance request includes multiple remittances, and each remittance corresponds to a first sequence number. 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 a comparison result, including:

[0085] Identify a sequence number identical to the second sequence number from the first sequence number to obtain a refund sequence number.

[0086] Determine the execution result of the remittance corresponding to the refund sequence number in the first remittance request as returned.

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

[0088] determine whether the first serial numbers corresponding to the remittances are same;

[0089] In the case that the first serial numbers corresponding to the remittances are all different, performing a deduction operation on the account corresponding to the first client according to the first remittance request.

[0090] In an embodiment, the device further comprises a query module, configured to:

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

[0092] in response to the remittance result query request, feed back the execution result of the first remittance request to the first client.

[0093] Those skilled in the art can clearly understand that, for the convenience and brevity of description, only the division of the above functional modules is exemplified, and in actual application, the above functions can be completed by different functional modules according to needs, 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 above described functional modules can refer to the corresponding process in the foregoing method embodiments, which will not be described here.

[0094] The device of the embodiment of the application introduces a serial number in the remittance process, uses the serial number to identify each transaction, so as to accurately track and identify each remittance and its corresponding remittance, solves the problem that the remittance state cannot be automatically updated in the traditional remittance process; through automatic serial number comparison and transaction result identification, the workload of financial personnel relying on experience for manual identification is reduced, errors caused by human factors are reduced, the automatic serial number comparison and transaction result identification mechanism makes the identification and processing of cross-bank remittance more rapid, improves the financial work efficiency; in addition, the original transaction platform can timely identify the remittance condition through the mechanism of the application, avoids the delay caused by the feedback of the payee not being timely, and ensures that the remitter can quickly find and process the remittance; accurate and timely identification of remittance can reduce the risk of funds in transit and avoid the loss of funds caused by information errors; through the comparison and identification of the serial number, the customer can more clearly understand the execution result of the transaction, and the transparency of the transaction process is enhanced; due to the improvement of the automation degree, the financial personnel can invest more time and energy into other high-value work, and the resource allocation is optimized.

[0095] Reference will now be made to the following description Figure 5 which shows a structural schematic diagram of a computer system 500 suitable for implementing the electronic device of the embodiment of the application. Figure 5 The electronic device shown is merely an example and should not bring any limitation to the function and use range of the embodiment of the application.

[0096] As Figure 5As shown, the computer system 500 includes a central processing unit (CPU) 501 which can perform various appropriate actions and processes in accordance with programs stored in a read only memory (ROM) 502 or loaded from a storage section 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 through a bus 504. An input / output (I / O) interface 505 is also connected to the bus 504.

[0097] Connected to the I / O interface 505 are an input section 506 including a keyboard, a mouse, etc.; an output section 507 including a display device such as 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 necessary. A removable recording medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 510 as necessary, so that a computer program read therefrom is installed into the storage section 508 as necessary.

[0098] In particular, the processes described above with reference to the flowcharts can be implemented as a computer software program in accordance with the embodiments disclosed herein. For example, the embodiments disclosed herein include a computer program product comprising a computer program carried on a computer readable medium, the computer program comprising program code for performing the methods illustrated by the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via the communication section 509 and / or installed from the removable recording medium 511. When the computer program is executed by the central processing unit (CPU) 501, the above-described functions defined in the system of the present application are performed.

[0099] It should be noted that the computer-readable medium shown in the present application can 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, for example, but is not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or component, or any combination of the above. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection having one or more wires, a portable computer diskette, 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 application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device or component. In the present application, the computer-readable signal medium can include a data signal carried in a baseband or as a part of a carrier wave, which carries computer-readable program code. Such a propagated data signal can take various forms, including but not limited to an electromagnetic signal, an optical signal or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, which can send, propagate or transmit a program for use by or in conjunction with an instruction execution system, device or component. The program code contained on the computer-readable medium can be transmitted by any suitable medium, including but not limited to wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0100] The flowcharts and block diagrams in the drawings illustrate the possible implementation architectures, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowcharts or block diagrams can represent a module, a program segment or a part of code containing one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions noted in the blocks can occur in different order than that shown in the drawings. For example, two blocks that are shown in succession can actually be executed substantially in parallel, and sometimes in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams or flowcharts, and the combination of blocks in the block diagrams or flowcharts, can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0101] The modules and / or units described in the embodiments of the present application can be implemented by software or by hardware. The described modules and / or units can also be arranged in a processor, for example, can be described as: a processor includes an obtaining module, a deduction module, a sending module, a receiving module and an identifying module. In some cases, the names of these modules do not constitute a limitation on the modules themselves.

[0102] As another aspect, the present application also provides a computer readable medium, which can be included in the device described in the above embodiments, or can exist independently without being assembled into the device. The computer readable medium carries one or more programs, when the one or more programs are executed by the device, the device includes:

[0103] obtaining a request initiated by a first client for remitting money to a second client, obtaining a first remittance request, the first remittance request including a first serial number; performing a deduction operation on an account corresponding to the first client according to the first remittance request, generating first transfer information according to the deduction result, the first transfer information including the first serial number; sending the first transfer information to a second transaction platform, so that the second transaction platform performs a deposit operation on an account corresponding to the second client according to the first transfer information; receiving second transfer information sent by the second transaction platform, the second transfer information being generated by the second transaction platform according to a deduction result after performing a deduction operation on an account corresponding to the second client according to a second remittance request, the second remittance request being a request initiated by the second client for remitting money to the first client, the second remittance request and the second transfer information including a second serial number; comparing the second serial number and the first serial number, and identifying the execution result of the first remittance request according to the comparison result.

[0104] The technical scheme of the embodiment of the present application introduces a serial number in the remittance process, uses the serial number to identify each transaction, thereby being able to accurately track and identify each remittance and the corresponding remittance return, and solves the problem that the remittance state cannot be automatically updated in the traditional remittance process; the transaction result is identified through automatic comparison of the serial number, thereby reducing the workload of the financial personnel in manual identification depending on experience, reducing errors caused by human factors, and the automatic serial number comparison and transaction result identification mechanism makes the identification and processing of cross-bank remittance return more rapid, thereby improving the financial work efficiency; in addition, the original transaction platform can identify the remittance return in a timely manner through the mechanism of the present application, thereby avoiding delay caused by the fact that the payee feedback is not timely, and ensuring that the remitter can quickly discover and process the remittance return; accurate and timely identification of the remittance return can reduce the risk of funds in transit and avoid loss of funds caused by information errors; through comparison and identification of the serial number, the customer can more clearly understand the execution result of the transaction, thereby enhancing the transparency of the transaction process; due to the improvement in the degree of automation, the financial personnel can invest more time and energy into other high-value work, thereby optimizing resource allocation.

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

[0106] The computer program product can be written in one or more programming languages or combinations thereof to implement the computer program code for performing the operations of the present application, and the programming languages include object-oriented programming languages such as Java, Smalltalk, C++, and conventional procedural programming languages such as the "C" language or similar programming languages. The program code can be completely executed on a user computer, partially executed on a user computer, executed as a separate software package, partially executed on a user computer and partially executed on a remote computer, or completely executed on a remote computer or server. In the case of a remote computer, the remote computer can be connected to the user computer through any kind of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, connected through the Internet using an Internet service provider).

[0107] It should be understood that the various forms of flow shown above can be reordered, added or deleted steps. For example, the steps described in the present application can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical scheme of the present application can be achieved, and the present application is not limited herein.

[0108] It should be noted that in the technical solutions of the present application, the collection, use, storage, sharing and transfer of user personal information and other processing comply with relevant laws and regulations, and the user needs to be informed and the consent or authorization of the user needs to be obtained, and when applicable, the user personal information is subjected to de-identification and / or anonymization and / or encryption technical processing. In addition, the user is also provided with a corresponding operation portal for the user to choose to agree or refuse the automatic decision result; if the user chooses to refuse, the expert decision process is entered.

[0109] The above detailed description does not constitute a limitation on the protection scope of the present application. Those skilled in the art should understand that various modifications, combinations, sub-combinations and substitutions can occur depending on design requirements and other factors. Any modification, equivalent replacement and improvement within the spirit and principles of the present application shall be included in the protection scope of the present application.

Claims

1. A transaction result recognition method, applied to a first trading platform in an interbank transaction system, the interbank transaction system further comprising a second trading platform, the first trading platform being connected to a first client, and the second trading platform being connected to a second client, characterized in that, Methods for identifying transaction results include: Obtain the remittance request initiated by the first client to the second client, and obtain the first remittance request, which includes the first sequence number; Based on the first remittance request, a deduction operation is performed on the account corresponding to the first client, and a first transfer information is generated based on the deduction result. The first transfer information includes a first serial number. Send the first transfer information to the second trading platform so that the second trading platform can perform a deposit operation on the account corresponding to the second client based on the first transfer information; The system receives a second transfer message from a second trading platform. The second transfer message is generated by the second trading platform after it 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 funds to the first client. Both the second remittance request and the second transfer message include a second serial number. The second serial number and the first serial number are compared, and the execution result of the first remittance request is identified based on the comparison result, including: if the second serial number and the first serial number are the same, the execution result of the first remittance request is determined to be a refund; if the second serial number and the first serial number are different, and no second serial number with the same first serial number is detected within the valid refund period, the execution result of the first remittance request is determined to be a successful remittance.

2. The method according to claim 1, characterized in that, Before obtaining the request from the first client to remit funds to the second client, the process also includes: Get the remittance type selected by the first client; When the remittance type is interbank remittance, the interbank remittance page is displayed on the first client. The interbank remittance page includes a serial number setting item, which is used to set the first serial number.

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

4. The method according to claim 1, characterized in that, The first remittance request includes multiple remittances, each corresponding 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 based on the comparison result, including: Identify the serial number that matches the second serial number from the first serial number to obtain the 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 executing the deduction operation on the account corresponding to the first client based on the first remittance request, it also includes: Determine whether the first serial number corresponding to each remittance is the same; If the first serial number corresponding to each remittance is different, the execution of the deduction operation on the account corresponding to the first client is triggered according to the first remittance request.

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

7. A transaction result recognition device, applied to a first trading platform in an interbank transaction system, the interbank transaction system further comprising a second trading platform, the first trading platform being connected to a first client, and the second trading platform being connected to a second client, characterized in that, The device includes: The acquisition module is used to acquire the remittance request initiated by the first client to the second client, and obtain the first remittance request, which includes the first sequence number; The deduction module is used to perform a deduction operation on the account corresponding to the first client according to the first remittance request, and generate the first transfer information based on the deduction result. The first transfer information includes the first serial number. The sending module is used to send the first transfer information to the second trading platform, so that the second trading platform can perform a crediting operation on the account corresponding to the second client based on the first transfer information; The receiving module 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 after it 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. Both the second remittance request and the second transfer information include the second serial number. The identification module is used to compare the second serial number and the first serial number, and identify the execution result of the first remittance request based on the comparison result, including: if the second serial number and the first serial number are the same, then the execution result of the first remittance request is determined to be a refund; if the second serial number and the first serial number are different, and no second serial number with the same as the first serial number is detected within the valid refund period, then the execution result of the first remittance request is determined to be a successful remittance.

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, The processor executes the transaction result recognition method as described in any one of claims 1 to 6.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the transaction result recognition method as described in any one of claims 1 to 6.

10. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the transaction result recognition method as described in any one of claims 1 to 6.

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