Controlled transaction execution method and device, equipment and storage medium

Abstract

The embodiment of the invention provides a controlled transaction execution method and device, equipment and a storage medium, is applied to a controlled payment platform, and relates to the technical field of task scheduling, and the method comprises the steps: receiving a controlled transaction request; the controlled transaction request is triggered by a contract user in the controlled contract; the controlled contract is generated through the contract template in the corresponding transaction scene; the contract terms in any contract template correspond to respective controlled instructions; determining whether the controlled transaction request satisfies a trigger term in the controlled contract; if yes, determining an execution term corresponding to the trigger term in the controlled contract; and executing the controlled transaction request by executing the controlled instruction corresponding to the clause. Different contract templates of different transaction scenes are used for generating controlled contracts, so that the controlled contracts can be quickly generated, and the efficiency is improved; whether the controlled transaction accords with the trigger clauses is judged, and if yes, the controlled transaction is executed, so that the security and reliability of transaction execution are improved.

Description

Technical Field

[0001] The present application relates to the field of task scheduling technology, and in particular to a method, device, equipment and storage medium for executing a controlled transaction. Background Art

[0002] Governments, institutions, units, etc. often have funds for specific purposes. For example, the government allocates special funds to enterprises, and the enterprises use the government's special funds to allocate to other cooperative enterprises to complete construction projects.

[0003] However, when enterprises use special funds for construction, there is a possibility of fraud or abuse of special funds in the absence of third-party supervision. In addition, different construction projects have different special fund usage situations, and different contracts need to be signed for different construction projects, resulting in frequent contract changes and reducing the efficiency of contract execution. Summary of the invention

[0004] The embodiments of the present application provide a method, apparatus, device and storage medium for executing a controlled transaction, which are used to improve the execution efficiency of a contract.

[0005] In a first aspect, an embodiment of the present application provides a method for executing a controlled transaction, which is applied to a controlled payment platform, comprising:

[0006] Receive a controlled transaction request; the controlled transaction request is triggered by a contract user in a controlled contract; the controlled contract is generated by a contract template corresponding to a transaction scenario; any contract clause in any contract template corresponds to its own controlled instruction;

[0007] Determining whether the controlled transaction request satisfies a trigger clause in the controlled contract;

[0008] If satisfied, determining the execution clause corresponding to the trigger clause in the controlled contract;

[0009] The controlled transaction request is executed through the controlled instructions corresponding to the execution terms.

[0010] In the embodiments of the present application, controlled contracts are generated by using different contract templates for different transaction scenarios, and there is no need to obtain controlled contracts based on all contract terms, so that controlled contracts can be generated quickly, thereby improving efficiency; by determining whether a controlled transaction meets the triggering terms, if so, the controlled transaction is executed through controlled execution, thereby increasing the security and reliability of transaction execution.

[0011] In some embodiments, determining whether the controlled transaction request satisfies a trigger clause in the controlled contract includes:

[0012] According to the transaction object and transaction scenario in the controlled transaction request, a controlled contract that meets the transaction scenario and the transaction object is determined; any controlled contract is set with a transaction object set by the contract issuer and the contract issuer has the authority to change the transaction object;

[0013] Obtain trigger clauses in the controlled contract, and determine whether the controlled transaction request satisfies the trigger clauses.

[0014] In the embodiment of the present application, the controlled contract is determined by the transaction scenario and the transaction object, thereby ensuring the interests of the transaction objects in the controlled contract, while also avoiding the risk of transaction objects outside the controlled contract using the controlled contract, thereby improving the security of the controlled transaction.

[0015] In some embodiments, before receiving the controlled transaction request, the method further includes:

[0016] Displaying the contract template in the transaction scenario; the contract template includes fixed fields and customized fields, the fixed fields are used to display the common parts in the contract template, and the customized fields are used to display the controlled variables associated with the contract template;

[0017] The controlled contract is generated based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer.

[0018] In an embodiment of the present application, the contract template is divided into fixed fields and customized fields. The fixed fields can reduce the content of contract template editing, and the customized fields can distinguish any contract template from other contract templates, thereby improving the efficiency of generating controlled contracts.

[0019] In some embodiments, before displaying the contract template in the transaction scenario, the method further includes:

[0020] According to the preset terms and conditions, the text contract corresponding to the contract template in the transaction scenario is split to obtain various contract terms;

[0021] For any contract clause, determining a clause fragment and a display style in the contract clause, wherein the display style of any clause fragment is a fixed column or a customized column;

[0022] The contract template for the transaction scenario is displayed according to the clause fragments and display styles in each contract clause.

[0023] In the embodiment of the present application, by specifying the display style of the clause fragments in the contract terms, the display of the contract template is faster and neater, and there is no need to manually edit all the contract templates, thus saving the time of generating the contract template.

[0024] In some embodiments, the controlled instructions in any of the contract templates are established in the following manner, including:

[0025] Setting a contract process under any transaction scenario; the contract process includes at least one transaction service process, and each transaction service process includes at least one contract step with an execution order;

[0026] Generate transaction service codes corresponding to each transaction service process and controlled instructions corresponding to each contract step.

[0027] In the embodiment of the present application, a transaction service code and corresponding controlled instructions are generated according to the contract process, and the transaction service process is executed through the controlled instructions, so that the transaction service execution efficiency is higher.

[0028] In some embodiments, after displaying the contract template in the transaction scenario and before generating the controlled contract, the method further includes:

[0029] Receiving the transaction service process selected by the contract user and / or the contract issuer from the contract template;

[0030] Based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer, the controlled contract is generated, including:

[0031] The controlled contract is generated based on the variable values ​​of the controlled variables provided by the selected transaction service process, the contract user and the contract issuer.

[0032] In the embodiment of the present application, a controlled contract is generated through a transaction service process and variable values ​​of controlled variables, and there is no need to obtain the controlled contract based on all the contents of the controlled contract, thus saving the time for generating a controlled contract.

[0033] In a second aspect, an embodiment of the present application provides a controlled transaction execution device, which is applied to a controlled payment platform, including:

[0034] A receiving module, used for receiving a controlled transaction request; the controlled transaction request is triggered by a contract user in a controlled contract; the controlled contract is generated by a contract template corresponding to a transaction scenario; and the contract clauses in any contract template correspond to their respective controlled instructions;

[0035] A determination module, used to determine whether the controlled transaction request satisfies the triggering clause in the controlled contract;

[0036] The determination module is further used to determine the execution clause corresponding to the trigger clause in the controlled contract if the condition is met;

[0037] An execution module is used to execute the controlled transaction request through the controlled instructions corresponding to the execution terms.

[0038] Optionally, the determining module is specifically used to:

[0039] According to the transaction object and transaction scenario in the controlled transaction request, a controlled contract that meets the transaction scenario and the transaction object is determined; any controlled contract is set with a transaction object set by the contract issuer and the contract issuer has the authority to change the transaction object;

[0040] Obtain trigger clauses in the controlled contract, and determine whether the controlled transaction request satisfies the trigger clauses.

[0041] Optionally, the receiving module is further used for:

[0042] Displaying the contract template in the transaction scenario; the contract template includes fixed fields and customized fields, the fixed fields are used to display the common parts in the contract template, and the customized fields are used to display the controlled variables associated with the contract template;

[0043] The controlled contract is generated based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer.

[0044] Optionally, the receiving module is further used for:

[0045] According to the preset terms and conditions, the text contract corresponding to the contract template in the transaction scenario is split to obtain various contract terms;

[0046] For any contract clause, determining a clause fragment and a display style in the contract clause, wherein the display style of any clause fragment is a fixed column or a customized column;

[0047] The contract template for the transaction scenario is displayed according to the clause fragments and display styles in each contract clause.

[0048] Optionally, the execution module is specifically used to:

[0049] Setting a contract process under any transaction scenario; the contract process includes at least one transaction service process, and each transaction service process includes at least one contract step with an execution order;

[0050] Generate transaction service codes corresponding to each transaction service process and controlled instructions corresponding to each contract step.

[0051] Optionally, the execution module is further used for:

[0052] Receiving the transaction service process selected by the contract user and / or the contract issuer from the contract template;

[0053] Based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer, the controlled contract is generated, including:

[0054] The controlled contract is generated based on the variable values ​​of the controlled variables provided by the selected transaction service process, the contract user and the contract issuer.

[0055] In a third aspect, an embodiment of the present application provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above-described method when executing the program.

[0056] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium storing a computer program executable by a computer device, wherein when the program is run on the computer device, the computer device executes the steps of the above-described method.

[0057] In a fifth aspect, an embodiment of the present application provides a computer program product, which includes a computer program stored on a computer-readable storage medium, and the computer program includes program instructions. When the program instructions are executed by a computer device, the computer device executes the steps of the method described above. BRIEF DESCRIPTION OF THE DRAWINGS

[0058] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0059] Figure 1 A system architecture diagram provided for an embodiment of the present application;

[0060] Figure 2 A flowchart of a method for executing a controlled transaction provided in an embodiment of the present application;

[0061] Figure 3 A flowchart of a method for determining a contract template provided in an embodiment of the present application;

[0062] Figure 4 A schematic diagram of the structure of a controlled contract displayed by a controlled payment platform provided in an embodiment of the present application;

[0063] Figure 5 A flowchart of a method for generating a controlled contract provided in an embodiment of the present application;

[0064] Figure 6A schematic diagram of the structure of a controlled transaction execution device provided in an embodiment of the present application;

[0065] Figure 7 A schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0066] In order to make the purpose, technical solution and beneficial effects of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0067] To facilitate understanding of this solution, the application scenario of this solution is introduced below.

[0068] The principle of earmarking funds for specific purposes is a principle of special fund management. Funds generated by the enterprise itself or allocated by the competent department for specific purposes, such as enterprise welfare funds and enterprise retained profit funds, and funds allocated by the competent department such as government funds, should be used in accordance with the principle of earmarking funds for specific purposes. The principle of earmarking funds for specific purposes is: (1) They should be stored in a special bank account, deposited before use, and subject to bank supervision. (2) The scope of use of various special funds and the boundaries with business operating funds should be clearly defined, and they should not be misappropriated. (3) Special materials and supplies required for special fund projects should be separately reserved and accounted for separately. (4) Various receivables and payables of special funds should be recorded separately and settled in a timely manner. If the government allocates earmarked funds to enterprises for project construction, when the project is completed, the enterprise will directly distribute the part of the earmarked funds used to pay for the construction personnel of the construction unit to the construction personnel. However, it is impossible to know whether the enterprise has distributed the funds in accordance with the regulations or whether there is any leakage. For example, when a bus driver charges the bus he is driving, it is impossible to know whether the driver charges the designated vehicle in accordance with regulations, or the amount of charging for the designated vehicle. There is no third-party supervision platform to supervise the use and purpose of the earmarked funds, which makes the earmarked funds for designated purposes present a greater risk. Therefore, the embodiment of the present application provides a method for executing a controlled transaction, and the specific steps are as follows:

[0069] First, the embodiment of the present application builds a controlled payment platform, which displays controlled contracts. The controlled contracts stipulate the responsibilities and obligations that both the contract user and the contract issuer need to perform. Then, a controlled contract is generated on the controlled payment platform. All controlled contracts displayed on the controlled payment platform are determined according to the specific transaction scenarios and transaction objects used by the contract. When generating a controlled contract, it is first necessary to determine the transaction scenarios of the text contract user and the contract issuer, as well as the transaction objects. According to the transaction scenario, a contract template is obtained. The fixed fields in the contract template are the common parts in the contract template, and the customized fields in the contract template are controlled variables, that is, they are distinguished from any other contract templates. Then, according to the preset terms and conditions, the text contract is split to obtain the contract terms. Finally, according to the display style of the terms and conditions of the contract terms, a controlled contract is generated and displayed on the controlled payment platform. When the contract user uses the corresponding controlled contract, the controlled payment platform monitors whether the contract user performs the content specified in the controlled contract. If so, the controlled transaction is executed; if not, the controlled transaction is not executed.

[0070] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0071] It should be noted that in the technical solution of this application, the acquisition, transmission, storage, and use of data are in compliance with the requirements of national laws and regulations.

[0072] refer to Figure 1, is a system architecture diagram of a controlled transaction execution method provided in an embodiment of the present application, the system architecture diagram includes: a terminal device 101 and a server 102, the terminal device 101 can be a tablet computer, a laptop computer, a desktop computer, etc., but is not limited thereto, the server 102 can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDN), and big data and artificial intelligence platforms. The terminal device 101 and the server 103 can be connected by wire or wirelessly.

[0073] The controlled payment platform is mainly composed of the controlled payment platform base and the controlled contract editor. The controlled payment platform base has the following functions: controlled contract management capability, controlled contract execution capability, controlled contract performance information recording capability, controlled contract relationship management capability, controlled payment standard data management capability, information channel management capability, controlled instruction management capability, control table management capability, etc. The controlled contract editor has the following functions: controlled contract editing capability, controlled contract template management capability, etc.

[0074] Based on the controlled contract base capabilities, the controlled payment platform can provide the ability to manage (edit, test, review and release, permission management, status management, etc.) instantiated contract templates in response to customers' actual business needs.

[0075] The controlled payment platform provides the ability to sign controlled contracts. Based on the selected contract template to be instantiated, it can agree on basic information (such as customer information, account / wallet information, etc.), constraint rules to be effective, judgment conditions and corresponding judgment results (pass / fail / other agreed processing requirements), etc., and instantiate the contract template into a controlled contract through signing.

[0076] The controlled payment platform provides the ability to maintain controlled contracts, and can maintain the basic information in the controlled contract (such as customer information, account / wallet information, etc.), effective constraint rules, judgment conditions, corresponding judgment results, and controlled contract status (normal, revoked).

[0077] The controlled payment platform provides the ability to judge the performance conditions of controlled contracts. It can input controlled payment-related transaction information (or automatically initiate it based on the controlled contract) and convert it into judgment conditions that can be used for judgment, trigger the corresponding judgment rules and output the corresponding judgment results.

[0078] The controlled payment platform provides storage capabilities related to controlled contracts and their performance information, and can retrieve controlled contracts, performance condition judgment information and associated account information based on corresponding query conditions.

[0079] The controlled payment platform may, in accordance with the provisions of the controlled contract, issue accounting transaction instructions based on the judgment results, but is not responsible for the actual accounting transaction processing; before the execution of the controlled contract, it shall obtain additional information for performance judgment and make it an integral part of the controlled contract to meet the performance condition judgment when the controlled contract is triggered.

[0080] The data of the controlled payment platform includes internal data and external ecological data. Data information includes but is not limited to data item number, Chinese name of data, English name, English abbreviation, data item classification (external data), business purpose, business definition, domain group (code type / coding type / text type), value range, effective date, and expiration date.

[0081] The controlled payment platform communicates with external channels through external interfaces. The external interface is the channel for information exchange with external systems outside the controlled payment platform during the execution of the controlled contract. In order to reduce the complexity caused by accessing a variety of non-standardized external data and improve the agility of business demand response, it is necessary to uniformly manage the external data interaction structure, which can uniformly access external data sources and provide a unified model to manage and simplify the docking and access of various external data channels. It is defined in advance through controlled data standard management. The service after the information channel is defined can be used for external customers and internal customers of the bank to call.

[0082] based on Figure 1 The system architecture diagram shown in FIG. 1 shows a flow chart of a method for executing a controlled transaction, which is applied to a controlled payment platform, such as Figure 2 As shown, the process of the method is executed by a computer device and includes the following steps:

[0083] Step 201, receiving a controlled transaction request; the controlled transaction request is triggered by the contract user in the controlled contract; the controlled contract is generated through a contract template under the corresponding transaction scenario; the contract terms in any contract template correspond to their own controlled instructions.

[0084] Specifically, the controlled payment platform receives controlled transaction requests. Controlled transactions are transactions that require monitoring of both parties to the transaction, such as the use of funds for specific purposes. Controlled transaction requests are triggered by the contract user in the controlled contract. For example, in the transaction scenario of bus charging, the government affairs unit of a certain city performs controlled charging on the designated bus. When the driver completes charging, the controlled transaction request is triggered, and the driver is the user of the contract. Among them, the government affairs unit of a certain city generates a corresponding contract template based on the transaction scenario of bus charging. There are corresponding controlled instructions in the contract template, which are used to execute various contract terms in the controlled contract. The contract terms can be adding a new bus vehicle transaction, deleting a bus vehicle transaction, and querying a bus vehicle transaction.

[0085] Step 202: Determine whether the controlled transaction request satisfies the triggering clause in the controlled contract.

[0086] Specifically, there are multiple trigger clauses in the controlled contract, and it is determined whether the controlled transaction request meets the trigger clauses in the controlled contract. For example, if the trigger clause in the controlled contract is: the upper limit of the charging amount is 80 yuan, it is necessary to determine whether the controlled transaction meets the upper limit of the charging amount of 80 yuan.

[0087] Step 203: If satisfied, determine the execution clause corresponding to the trigger clause in the controlled contract.

[0088] Specifically, if the controlled transaction request meets the trigger clause in the controlled contract, the corresponding execution clause in the controlled contract is determined according to the trigger clause. After confirming that the driver's charging limit meets 80 yuan, the corresponding execution clause is determined according to the trigger clause, that is, the municipal government affairs unit transfers 80 yuan to the driver.

[0089] Step 204: Execute the controlled transaction request by executing the controlled instructions corresponding to the terms.

[0090] Specifically, each execution clause corresponds to a controlled instruction, and the controlled transaction request is executed according to the controlled instruction. For example, after the charging limit meets the execution clause of 80 yuan, according to the execution instruction corresponding to the execution clause, the government affairs unit of a certain city will transfer 80 yuan to the driver.

[0091] In some embodiments, determining whether a controlled transaction request satisfies a trigger clause in a controlled contract includes:

[0092] According to the transaction object and transaction scenario in the controlled transaction request, determine the controlled contract that meets the transaction scenario and transaction object; any controlled contract is set with the transaction object set by the contract issuer and the contract issuer has the authority to change the transaction object; obtain the trigger clause in the controlled contract and determine whether the controlled transaction request satisfies the trigger clause.

[0093] Specifically, the controlled contract is determined based on the transaction object and transaction scenario. For example, the transaction scenario of bus charging corresponds to the controlled contract of bus charging, and the transaction scenario of enterprise wage payment corresponds to the controlled contract of wage payment. The transaction object is the contract user specified in the controlled contract. For example, in the transaction scenario of bus charging, the transaction object is the license plate number of each designated bus; in the transaction scenario of enterprise wage payment, the transaction object is the list of construction workers of the construction unit.

[0094] In a controlled contract, the transaction object is set by the contract issuer, such as the city government affairs unit setting the license plate number of the bus, and the enterprise setting the list of construction personnel. If the transaction object changes, the contract issuer still has to make changes. The city government affairs unit can add or delete the license plate number of the bus, and the enterprise can add or delete the list of construction personnel.

[0095] There are multiple trigger clauses in the controlled contract, such as the upper limit of charging amount is 80 yuan, the maximum charging time is 8 hours, etc. According to the trigger clauses, it is judged whether the controlled transaction request meets the requirements. For example, after the bus charging is completed, the charging transaction request is: charging amount is 50 yuan, charging time is 3 hours, which meets the trigger clause.

[0096] In some embodiments, before receiving the controlled transaction request, the method further includes:

[0097] Display the contract template under the transaction scenario; the contract template includes fixed fields and customized fields. The fixed fields are used to display the common parts in the contract template, and the customized fields are used to display the controlled variables associated with the contract template; based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer, a controlled contract is generated.

[0098] Specifically, the contract template is divided into fixed fields and custom fields. Fixed fields are common to all controlled contracts, and custom fields are the parts that distinguish a controlled contract from other controlled contracts. When the contract user and the contract issuer sign a controlled contract, the custom fields can obtain specific controlled variable values, fill the controlled variable values ​​in the custom fields, and thus generate a controlled contract.

[0099] In some embodiments, before displaying the contract template in the transaction scenario, such as Figure 3 As shown, the following steps are also included:

[0100] Step 301: split the text contract corresponding to the contract template in the transaction scenario according to the preset terms and conditions to obtain various contract terms.

[0101] Specifically, before receiving a controlled transaction request, a controlled contract template is displayed on the controlled payment platform. According to the preset terms and conditions, the text contract is split, and the text contract and the controlled contract are contracts under the same transaction scenario. As shown in Tables 1 and 2, Table 1 is the text contract, and Table 2 is the split terms and conditions.

[0102] Step 302: for any contract clause, determine the clause fragment and display style in the contract clause, and the display style of any clause fragment is a fixed field or a customized field.

[0103] Specifically, from the contract terms, the terms fragment and display style are determined, and the terms fragment is displayed on the controlled payment platform according to the corresponding display style. The display style of the terms fragment is divided into fixed fields and customized fields. The fixed fields are fixed and unchanged content, and the customized fields have different content according to different controlled contracts. As shown in Table 2, the fixed fields have specific content, and the customized fields are blank.

[0104] The clause fragments are the clauses in the controlled contract. Multiple clause fragments constitute the contract clauses, and multiple contract clauses constitute the controlled contract. The display style is the specific display on the controlled payment platform. For example, the first line of clause fragment A needs to be indented by 2 characters, and the paragraph spacing between clause fragment B and clause fragment A is 1.5 times the line spacing, etc.

[0105] Step 303: Display the contract template in the transaction scenario according to the clause fragments and display styles in each contract clause.

[0106] Specifically, according to the clause fragments and display styles of the contract clauses, the contract template for the transaction scenario is displayed on the controlled payment platform, such as Figure 4 The following are some contract templates for bus charging scenarios.

[0107]

[0108]

[0109] Table 1

[0110]

[0111]

[0112] Table 2

[0113] Among them, the contract type number is the application scenario number, the version number is the current controlled contract version, the contract type name is the application scenario name corresponding to the contract type number; the clause sequence number is the order of the clauses in the controlled contract; the clause segment number is the paragraph to which the clause belongs; the clause text content is the specific clause content; the segment type number is 01 for a text fragment, and 02 for a variable fragment; the number before the segment is 01 for indenting the first line, and 02 for not indenting the first line; the number after the segment is 01 for line breaks, and 02 for no line breaks.

[0114] In some embodiments, the controlled instructions in any contract template are established by:

[0115] Set the contract process under any transaction scenario; the contract process includes at least one transaction service process, and each transaction service process includes at least one contract step with an execution order; generate a transaction service code corresponding to each transaction service process and a controlled instruction corresponding to each contract step.

[0116] Specifically, in any transaction scenario, there is a corresponding contract process, which specifies the execution steps of the contract user. Among them, the contract process at least includes a transaction service process, and the transaction service process includes at least one contract step. Controlled instructions are generated according to the transaction service code and the contract step.

[0117] As shown in Table 3, the transaction service codes and controlled instructions in the bus charging transaction scenario are listed. The first column is the controlled instruction; the second column is the controlled instruction remark, which represents the specific meaning of the controlled instruction; the third column is the transaction service code, and one transaction service code can correspond to multiple controlled instructions; the fourth column is the transaction service code remark, which represents the specific meaning of the transaction service.

[0118]

[0119]

[0120] Table 3

[0121] In some embodiments, after displaying the contract template in the transaction scenario and before generating the controlled contract, Figure 5 As shown, the following steps are also included:

[0122] Step 501: receiving a transaction service process selected by a contract user and / or a contract issuer from a contract template;

[0123] Specifically, the contract user and the contract issuer will pre-select the required transaction services in the contract template, and the contract template will list the required transaction services. The controlled payment transaction platform receives the transaction service process selected by the contract user or the contract issuer from the contract template. The transaction service process consists of multiple transaction services.

[0124] Generate a controlled contract based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer, including:

[0125] Step 502: Generate a controlled contract based on the selected transaction service process, the variable values ​​of the controlled variables provided by the contract user and the contract issuer.

[0126] Specifically, after confirming the transaction service and the transaction service process, a controlled contract is generated based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer.

[0127] For example, in the bus charging transaction scenario, the government affairs unit of a certain city has determined the transaction service process as follows: check the bus license plate number list, check the customer number, and query the details of the bus charging fee deduction - according to the order, after the bus driver completes the charging, the charging amount is 50 yuan and the charging time is 3 hours based on the controlled variables in the charging process, and a controlled contract is generated.

[0128] The following explains this application using bus charging as a specific application scenario.

[0129] Party A's agency A and Party B's charging station B sign a controlled contract. Party A transmits the list of license plate numbers of vehicles within the specified range to the controlled payment platform. When a vehicle is charging at the charging station, Party B determines whether the charging vehicle is Party A's designated vehicle by the license plate number. If so, after charging is completed, Party A determines whether Party A's vehicle meets the requirements based on the charging amount and charging time of Party A's charging vehicle. If so, Party A's transaction amount will be deducted through the controlled payment platform. Party A can transfer the transaction amount to Party B in advance, but the controlled payment platform monitors it. When Party A meets the requirements, the current charging amount will be deducted from the transaction amount pre-allocated by Party A. If it is determined that the charging vehicle is not Party A's designated vehicle, or the charging vehicle does not meet the requirements, the transaction cannot be completed through Party A's pre-allocated transaction amount.

[0130] Before Party A's agency A and Party B's charging station B sign a controlled contract, the controlled contract is determined based on the transaction scenario between Party A and Party B, as well as the transaction object. If the transaction scenario is determined to be bus charging, the controlled contract template is determined first. The fixed fields of the controlled contract template are the relevant terms of bus charging, as shown in Table 3, which is the text contract of the bus charging controlled contract C. The fixed fields have been filled in, and the customized fields are the underlined parts, which need to be filled in after Party A and Party B sign the controlled contract.

[0131] When generating a controlled contract, the text contract C is split according to the preset clause items in the controlled contract C, such as clauses 1 to 8, to obtain multiple contract clauses, each of which has its corresponding clause fragment and display style. According to the clause fragment and display style of each contract clause, the contract template under bus charging is displayed on the controlled payment platform, such as Figure 4 shown.

[0132] After signing the controlled contract, the bus of agency A can go to charging station B for charging.

[0133]

[0134]

[0135]

[0136] Table 3

[0137] Based on the same technical concept, the embodiment of the present application provides a controlled transaction execution device 600, which is applied to a controlled payment platform, such as Figure 6 As shown, including:

[0138] The receiving module 601 is used to receive a controlled transaction request; the controlled transaction request is triggered by a contract user in a controlled contract; the controlled contract is generated by a contract template corresponding to a transaction scenario; and the contract clauses in any contract template correspond to their respective controlled instructions;

[0139] A determination module 602, configured to determine whether the controlled transaction request satisfies a trigger clause in the controlled contract;

[0140] The determination module 602 is further configured to determine, if satisfied, the execution clause corresponding to the trigger clause in the controlled contract;

[0141] The execution module 603 is used to execute the controlled transaction request through the controlled instructions corresponding to the execution terms.

[0142] Optionally, the determining module 602 is specifically configured to:

[0143] According to the transaction object and transaction scenario in the controlled transaction request, a controlled contract that meets the transaction scenario and the transaction object is determined; any controlled contract is set with a transaction object set by the contract issuer and the contract issuer has the authority to change the transaction object;

[0144] Obtain trigger clauses in the controlled contract, and determine whether the controlled transaction request satisfies the trigger clauses.

[0145] Optionally, the receiving module 601 is further used for:

[0146] Displaying the contract template in the transaction scenario; the contract template includes fixed fields and customized fields, the fixed fields are used to display the common parts in the contract template, and the customized fields are used to display the controlled variables associated with the contract template;

[0147] The controlled contract is generated based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer.

[0148] Optionally, the receiving module 601 is further used for:

[0149] According to the preset terms and conditions, the text contract corresponding to the contract template in the transaction scenario is split to obtain various contract terms;

[0150] For any contract clause, determining a clause fragment and a display style in the contract clause, wherein the display style of any clause fragment is a fixed column or a customized column;

[0151] The contract template for the transaction scenario is displayed according to the clause fragments and display styles in each contract clause.

[0152] Optionally, the execution module 603 is specifically used to:

[0153] Setting a contract process under any transaction scenario; the contract process includes at least one transaction service process, and each transaction service process includes at least one contract step with an execution order;

[0154] Generate transaction service codes corresponding to each transaction service process and controlled instructions corresponding to each contract step.

[0155] Optionally, the execution module 603 is further used to:

[0156] Receiving the transaction service process selected by the contract user and / or the contract issuer from the contract template;

[0157] Based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer, the controlled contract is generated, including:

[0158] The controlled contract is generated based on the variable values ​​of the controlled variables provided by the selected transaction service process, the contract user and the contract issuer.

[0159] Based on the same technical concept, the embodiment of the present application provides a computer device, which may be a terminal or a server, such as Figure 7As shown, it includes at least one processor 701 and a memory 702 connected to the at least one processor. The specific connection medium between the processor 701 and the memory 702 is not limited in the embodiment of the present application. Figure 7 For example, the processor 701 and the memory 702 are connected via a bus. The bus can be divided into an address bus, a data bus, a control bus, and the like.

[0160] In the embodiment of the present application, the memory 702 stores instructions that can be executed by at least one processor 701. The at least one processor 701 can execute the steps included in the above-mentioned controlled transaction method by executing the instructions stored in the memory 702.

[0161] Among them, the processor 701 is the control center of the computer device, and can use various interfaces and lines to connect various parts of the computer device, and perform master-slave abnormal recovery by running or executing instructions stored in the memory 702 and calling data stored in the memory 702. Optionally, the processor 701 may include one or more processing units, and the processor 701 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user interface, and application programs, and the modem processor mainly processes wireless communications. It is understandable that the above-mentioned modem processor may not be integrated into the processor 701. In some embodiments, the processor 701 and the memory 702 may be implemented on the same chip, and in some embodiments, they may also be implemented separately on independent chips.

[0162] Processor 701 can be a general-purpose processor, such as a central processing unit (CPU), a digital signal processor, an application-specific integrated circuit (ASIC), a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component, and can implement or execute the various methods, steps and logic block diagrams disclosed in the embodiments of the present application. A general-purpose processor can be a microprocessor or any conventional processor, etc. The steps of the method disclosed in the embodiments of the present application can be directly embodied as a hardware processor for execution, or can be executed by a combination of hardware and software modules in the processor.

[0163] The memory 702 is a non-volatile computer-readable storage medium that can be used to store non-volatile software programs, non-volatile computer executable programs and modules. The memory 702 may include at least one type of storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory, a random access memory (Random Access Memory, RAM), a static random access memory (Static Random Access Memory, SRAM), a programmable read-only memory (Programmable Read Only Memory, PROM), a read-only memory (Read Only Memory, ROM), an electrically erasable programmable read-only memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), a magnetic memory, a disk, an optical disk, etc. The memory 702 is any other medium that can be used to carry or store a desired program code in the form of an instruction or data structure and can be accessed by a computer, but is not limited thereto. The memory 702 in the embodiment of the present application can also be a circuit or any other execution device that can realize a storage function, for storing program instructions and / or data.

[0164] Based on the same inventive concept, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program that can be executed by a computer device. When the program runs on the computer device, the computer device executes the steps of the above-mentioned controlled transaction method.

[0165] Based on the same inventive concept, an embodiment of the present application provides a computer program product, characterized in that the computer program product includes a computer program stored on a computer-readable storage medium, and the computer program includes program instructions. When the program instructions are executed by a computer device, the computer device executes the steps of the above-mentioned controlled transaction method.

[0166] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0167] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0168] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0169] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0170] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A method for executing a controlled transaction, characterized in that: Applicable to controlled payment platforms, including: Receive a controlled transaction request; the controlled transaction request is triggered by a contract user in a controlled contract; the controlled contract is generated by a contract template under a corresponding transaction scenario; any contract clause in any contract template corresponds to its own controlled instruction; Determining whether the controlled transaction request satisfies a trigger clause in the controlled contract; If satisfied, determining the execution clause corresponding to the trigger clause in the controlled contract; The controlled transaction request is executed through the controlled instructions corresponding to the execution terms.

2. The method according to claim 1, characterized in that The determining whether the controlled transaction request satisfies a trigger clause in the controlled contract includes: According to the transaction object and transaction scenario in the controlled transaction request, a controlled contract that meets the transaction scenario and the transaction object is determined; any controlled contract is set with a transaction object set by the contract issuer and the contract issuer has the authority to change the transaction object; Obtain trigger clauses in the controlled contract, and determine whether the controlled transaction request satisfies the trigger clauses.

3. The method according to claim 1, characterized in that Before receiving the controlled transaction request, the method further includes: Displaying the contract template in the transaction scenario; the contract template includes fixed fields and customized fields, the fixed fields are used to display the common parts in the contract template, and the customized fields are used to display the controlled variables associated with the contract template; The controlled contract is generated based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer.

4. The method according to claim 3, characterized in that Before displaying the contract template in the transaction scenario, the method further includes: According to the preset terms and conditions, the text contract corresponding to the contract template in the transaction scenario is split to obtain various contract terms; For any contract clause, determine the clause fragment and display style in the contract clause, and the display style of any clause fragment is a fixed column or a customized column; The contract template for the transaction scenario is displayed according to the clause fragments and display styles in each contract clause.

5. The method according to any one of claims 1 to 4, characterized in that: The controlled instructions in any of the contract templates are established in the following manner, including: Setting a contract process under any transaction scenario; the contract process includes at least one transaction service process, and each transaction service process includes at least one contract step with an execution order; Generate transaction service codes corresponding to each transaction service process and controlled instructions corresponding to each contract step.

6. The method according to claim 5, characterized in that After displaying the contract template in the transaction scenario and before generating the controlled contract, the method further includes: Receiving the transaction service process selected by the contract user and / or the contract issuer from the contract template; The controlled contract is generated based on the variable values ​​of the controlled variables provided by the contract user and the contract issuer, including: The controlled contract is generated based on the variable values ​​of the controlled variables provided by the selected transaction service process, the contract user and the contract issuer.

7. A controlled transaction execution device, characterized in that: Applicable to controlled payment platforms, including: A receiving module, used for receiving a controlled transaction request; the controlled transaction request is triggered by a contract user in a controlled contract; the controlled contract is generated by a contract template corresponding to a transaction scenario; and the contract clauses in any contract template correspond to their respective controlled instructions; A determination module, used to determine whether the controlled transaction request satisfies the triggering clause in the controlled contract; The determination module is further used to determine the execution clause corresponding to the trigger clause in the controlled contract if the condition is met; An execution module is used to execute the controlled transaction request through the controlled instructions corresponding to the execution terms.

8. A computer 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 steps of the method according to any one of claims 1 to 6 are implemented.

9. A computer-readable storage medium, characterized in that: It stores a computer program executable by a computer device, and when the program is run on the computer device, the computer device executes the steps of any method described in claims 1 to 6.

10. A computer program product, characterized in that The computer program product comprises a computer program stored on a computer-readable storage medium, wherein the computer program comprises program instructions, and when the program instructions are executed by a computer device, the computer device is caused to execute the steps of the method according to any one of claims 1 to 6.

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