Transaction processing system, method, apparatus, storage medium, and program product

Abstract

The invention provides a transaction processing system, method and device, a storage medium and a program product. The method comprises the steps of obtaining a first text character string sent by a code scanning unit through a transaction plug-in, determining whether a transaction type corresponding to the first text character string is a preset type, and when it is determined that the transaction type is not the preset type, transferring a target amount in a user account to a first account according to the first text character string, and determining a corresponding second text character string according to the first text character string, and sending the second text character string to the original acquirer, so that the original acquirer transfers the target amount in the first account to the second account based on the second text character string, thereby completing the transaction of which the transaction type is not the preset type. According to the method, transaction collection under a new transaction standard or a new acquirer can be completed without code modification, the collection efficiency and reliability are improved, and the collection cost is reduced.

Description

Technical Field

[0001] The present application relates to the field of payment collection technology, and in particular to a transaction processing system, method, device, storage medium and program product. Background Art

[0002] MIS (Management Information System) is usually manifested as a merchant's transaction cashier system, which is usually connected to a number of specific acquiring institutions through a specific API (Application Programming Interface) interface to achieve bank card swiping acquiring capabilities and / or the corresponding application software's QR code acquiring capabilities through a specific API interface.

[0003] At present, the transaction cash register system realizes the communication connection with the code scanning box through USB (Universal Serial Bus). The merchant scans the transaction code on the consumer terminal device through the code scanning box, converts the scanned transaction code into a corresponding text string, and transmits the text string to the transaction cash register system, so that the transaction cash register system calls the API interface of the acquiring institution corresponding to the transaction code to perform the deduction operation.

[0004] However, when the API interface of the acquiring institution corresponding to the transaction code does not exist, the original code developer of the management information system is required to modify the code to re-connect with the API interface of the acquiring institution that provides the new payment channel, so as to meet the functional requirements of the transaction code for accepting the new transaction standard. This increases the switching cost and development and testing workload, and reduces the transaction processing efficiency of the management information system. Summary of the invention

[0005] The embodiments of the present application provide a transaction processing system, method, device, storage medium and program product to improve the efficiency and reliability of the transaction process and reduce transaction costs.

[0006] In a first aspect, an embodiment of the present application provides a transaction processing system, including:

[0007] A transaction plug-in, for obtaining a first text string sent by a code scanning unit, the first text string being generated by the code scanning unit according to a transaction code displayed by a user terminal device; when it is determined that the transaction type corresponding to the first text string is not a preset type, transferring a target amount in the user account to the first account according to the first text string, generating a second text string of a transaction type of the preset type, and sending the second text string to an original acquiring institution supporting the preset type; the first account is an account of the payee under the new interface unit, and the new interface unit is an interface unit supporting the transaction type corresponding to the first text string;

[0008] The original acquiring institution is used to receive the second text string and collect payment according to the second text string so that the target amount in the first account is transferred to the second account, and the second account is the account of the payee under the original acquiring institution.

[0009] Optionally, when the transaction plug-in transfers the target amount in the user account to the first account according to the first text string and generates a second text string with a transaction type of a preset type, it is specifically used to:

[0010] Determine a corresponding new interface unit according to the first text string, send the first text string to the new interface unit, so that the new interface unit collects a target amount in the user account according to the first text string, and transfers the received target amount to the first account;

[0011] A second text string is received, where the second text string is generated by the new interface unit based on a target amount in the first account after successfully receiving payment from the user account and is sent to the transaction plug-in.

[0012] Optionally, the transaction plug-in is further used to receive the first transaction type, first payment information and first deduction information sent by the new interface unit after the new interface unit transfers the target amount of the user account to the first account, and generate a first purchase order; the first transaction type is a transaction type supported by the new interface unit, the first deduction information is the deduction information of the user account, and the first payment information is the payment information of the first account of the payee;

[0013] The original acquiring institution is also used to feedback the second transaction type, second collection information and second deduction information to the management information system after transferring the target amount in the first account to the second account, so that the management information system generates a second purchase order; the second transaction type is the transaction type supported by the original acquiring institution, the second deduction information is the deduction information of the first account, and the second collection information is the collection information of the second account of the payee.

[0014] Optionally, the transaction plug-in is further used to obtain the first transaction order number sent by the code scanning unit, determine the corresponding new interface unit according to the transaction type corresponding to the first transaction order number, and send the first transaction order number to the new interface unit; the first transaction order number is sent to the transaction plug-in by the code scanning unit after scanning the first purchase order;

[0015] The original acquiring institution is also used to receive a refund confirmation instruction sent by the management information system, and refund the corresponding target amount from the second account to the first account based on the refund confirmation instruction, so that when the new interface unit corresponding to the first account determines that the refunded target amount has been received, the target amount is refunded from the first account to the user account; wherein, the refund confirmation instruction is generated by the management information system based on the second transaction order number, the second transaction order number is sent to the management information system through the transaction plug-in after being determined by the new interface unit based on historical transaction information, and the historical transaction information is generated by the original acquiring institution when the first account is successfully collected and fed back to the new interface unit.

[0016] Optionally, the transaction plug-in is further configured to send the first text string to the original acquirer when it is determined that the transaction type corresponding to the first text string is a preset type;

[0017] The original acquiring institution is further used to receive the first text string and collect payment according to the first text string to transfer the target amount in the user account to the second account.

[0018] In a second aspect, an embodiment of the present application provides a transaction processing method, which is applied to a transaction plug-in, including:

[0019] Acquire a first text string sent by the code scanning unit, where the first text string is generated by the code scanning unit according to the transaction code displayed by the user terminal device;

[0020] When it is determined that the transaction type corresponding to the first text string is not the preset type, the target amount in the user account is transferred to the first account according to the first text string, and a second text string with a transaction type of the preset type is generated and sent to the original acquiring institution that supports the preset type, so that the original acquiring institution collects the payment according to the second text string and transfers the target amount in the first account to the second account; the second account is the account of the payee under the original acquiring institution, the first account is the account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string.

[0021] Optionally, when transferring the target amount in the user account to the first account according to the first text string and generating a second text string with a transaction type of a preset type, the method includes:

[0022] Determine a corresponding new interface unit according to the first text string, send the first text string to the new interface unit, so that the new interface unit collects a target amount in the user account according to the first text string, and transfers the received target amount to the first account;

[0023] A second text string is received, where the second text string is generated by the new interface unit based on a target amount in the first account after successfully receiving payment from the user account and is sent to the transaction plug-in.

[0024] Optionally, after the new interface unit transfers the target amount of the user account to the first account, it receives the first transaction type, first receipt information and first deduction information sent by the new interface unit, and generates a first purchase order; the first transaction type is the transaction type supported by the new interface unit, the first deduction information is the deduction information of the user account, and the first receipt information is the receipt information of the first account of the payee.

[0025] Optionally, obtain the first transaction order number sent by the scanning unit, determine the corresponding new interface unit according to the transaction type corresponding to the first transaction order number, and send the first transaction order number to the new interface unit; the first transaction order number is sent to the transaction plug-in by the scanning unit after scanning the first purchase order.

[0026] Optionally, when it is determined that the transaction type corresponding to the first text string is a preset type, the first text string is sent to the original acquiring institution; so that the original acquiring institution collects payment according to the first text string and transfers the target amount in the user account to the second account.

[0027] In a third aspect, an embodiment of the present application provides a transaction processing method, which is applied to an original acquiring institution, including:

[0028] receiving a second text string sent by the transaction plug-in; the second text string is generated by the transaction plug-in when the target amount in the user account is transferred to the first account according to the first text string when it is determined that the transaction type corresponding to the first text string is not a preset type, the first text string is generated by the code scanning unit according to the transaction code displayed by the user terminal device, the transaction type corresponding to the second text string is a preset type, the preset type is a transaction type supported by the original acquiring institution, the first account is the account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string;

[0029] The payment is collected according to the second text string to transfer the target amount in the first account to the second account, where the second account is the account of the payee under the original acquiring institution.

[0030] Optionally, after the target amount in the first account is transferred to the second account, the second transaction type, second collection information and second deduction information are fed back to the management information system so that the management information system generates a second purchase order; the second transaction type is the transaction type supported by the original acquiring institution, the second deduction information is the deduction information of the first account, and the second collection information is the collection information of the second account of the payee.

[0031] Optionally, a refund confirmation instruction is received from the management information system, and the corresponding target amount is refunded from the second account to the first account based on the refund confirmation instruction, so that when the new interface unit corresponding to the first account determines that the refunded target amount has been received, the target amount is refunded from the first account to the user account; wherein, the refund confirmation instruction is generated by the management information system based on the second transaction order number, the second transaction order number is determined by the new interface unit based on historical transaction information and then sent to the management information system through the transaction plug-in, and the historical transaction information is generated by the original acquiring institution when the first account is successfully collected and fed back to the new interface unit.

[0032] Optionally, a first text string sent by the transaction plug-in is received, and payment is collected according to the first text string to transfer the target amount in the user account to the second account, wherein the first text string is sent by the transaction plug-in when it is determined that the transaction type corresponding to the first text string is a preset type.

[0033] In a fourth aspect, an embodiment of the present application provides a transaction processing device, applied to a transaction plug-in, including:

[0034] An acquisition module, configured to acquire a first text string sent by a code scanning unit, where the first text string is generated by the code scanning unit according to a transaction code displayed by a user terminal device;

[0035] The first processing module is used to transfer the target amount in the user account to the first account according to the first text string when it is determined that the transaction type corresponding to the first text string is not a preset type, generate a second text string with the transaction type of the preset type, and send it to the original acquiring institution that supports the preset type, so that the original acquiring institution collects the payment according to the second text string and transfers the target amount in the first account to the second account; the second account is the account of the payee under the original acquiring institution, the first account is the account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string.

[0036] Optionally, the first processing module is further used to determine a corresponding new interface unit according to the first text string, and send the first text string to the new interface unit, so that the new interface unit collects the target amount in the user account according to the first text string, and transfers the received target amount to the first account;

[0037] A second text string is received, where the second text string is generated by the new interface unit based on a target amount in the first account after successfully receiving payment from the user account and is sent to the transaction plug-in.

[0038] Optionally, the first processing module is also used to receive the first transaction type, first receipt information and first deduction information sent by the new interface unit and generate a first purchase order after the new interface unit transfers the target amount of the user account to the first account; the first transaction type is the transaction type supported by the new interface unit, the first deduction information is the deduction information of the user account, and the first receipt information is the receipt information of the first account of the payee.

[0039] Optionally, the acquisition module is also used to obtain the first transaction order number sent by the scanning unit, determine the corresponding new interface unit according to the transaction type corresponding to the first transaction order number, and send the first transaction order number to the new interface unit; the first transaction order number is sent to the transaction plug-in by the scanning unit after scanning the first purchase order.

[0040] Optionally, the first processing module is further used to send the first text string to the original acquiring institution when it is determined that the transaction type corresponding to the first text string is a preset type; so that the original acquiring institution collects payment based on the first text string and transfers the target amount in the user account to the second account.

[0041] In a fifth aspect, an embodiment of the present application provides a transaction processing device, which is applied to an original acquiring institution, including:

[0042] a receiving module, configured to receive a second text string sent by the transaction plug-in; the second text string is generated by the transaction plug-in when the target amount in the user account is transferred to the first account according to the first text string when it is determined that the transaction type corresponding to the first text string is not a preset type; the first text string is generated by the code scanning unit according to the transaction code displayed by the user terminal device; the transaction type corresponding to the second text string is a preset type, the preset type is a transaction type supported by the original acquiring institution; the first account is an account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string;

[0043] The second processing module is used to collect payment according to the second text string to transfer the target amount in the first account to the second account, and the second account is the account of the payee under the original acquiring institution.

[0044] Optionally, the second processing module is also used to feedback the second transaction type, second collection information and second deduction information to the management information system after the target amount in the first account is transferred to the second account, so that the management information system generates a second purchase order; the second transaction type is the transaction type supported by the original acquiring institution, the second deduction information is the deduction information of the first account, and the second collection information is the collection information of the second account of the payee.

[0045] Optionally, the receiving module is also used to receive a refund confirmation instruction sent by the management information system, and refund the corresponding target amount from the second account to the first account based on the refund confirmation instruction, so that when the new interface unit corresponding to the first account determines that the refunded target amount has been received, the target amount is refunded from the first account to the user account; wherein, the refund confirmation instruction is generated by the management information system based on the second transaction order number, the second transaction order number is sent to the management information system through the transaction plug-in after being determined by the new interface unit based on historical transaction information, and the historical transaction information is generated by the original acquiring institution when the first account is successfully collected and fed back to the new interface unit.

[0046] Optionally, the receiving module is also used to receive a first text string sent by the transaction plug-in, collect payment based on the first text string, and transfer the target amount in the user account to the second account, wherein the first text string is sent by the transaction plug-in when it is determined that the transaction type corresponding to the first text string is a preset type.

[0047] In a sixth aspect, an embodiment of the present application provides an electronic device, including: a memory, a processor;

[0048] Memory stores computer-executable instructions;

[0049] The processor executes the computer-executable instructions stored in the memory, so that the processor executes various possible implementations of the second aspect and / or the third aspect as described above.

[0050] In the seventh aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-readable storage medium is stored computer execution instructions, which, when executed by a processor, are used to implement various possible implementation methods in the second aspect and / or the third aspect above.

[0051] In an eighth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements various possible implementations of the second aspect and / or the third aspect above.

[0052] The transaction processing system, method, device, storage medium and program product provided by the embodiment of the present application obtain the first text string sent by the code scanning unit through the transaction plug-in, determine whether the transaction type corresponding to the first text string is a preset type, and when it is determined that it is not a preset type, transfer the target amount in the user account to the first account according to the first text string, and determine the corresponding second text string according to the first text string, and send the second text string to the original acquiring institution, so that the original acquiring institution transfers the target amount in the first account to the second account according to the second text string, thereby completing the transaction whose current transaction type is not a preset type. The collection efficiency and collection reliability of non-preset type transactions are improved, and the problem of high execution cost of non-preset type transactions in the prior art is solved. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0054] Figure 1 A schematic diagram of the prior art scenario provided for this application;

[0055] Figure 2 A schematic diagram of the structure of the transaction processing system provided for this application;

[0056] Figure 3 A flowchart of the transaction processing method provided for this application;

[0057] Figure 4 Schematic diagram of the structure of the transaction processing device provided in this application Figure 1 ;

[0058] Figure 5 Schematic diagram of the structure of the transaction processing device provided in this application Figure 2 ;

[0059] Figure 6 A schematic diagram of the structure of the electronic device provided in this application.

[0060] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0061] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0062] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards in the relevant regions, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0063] Currently, when a user makes a purchase at any merchant, the merchant connects to the API interfaces of multiple specific acquiring institutions through a management information system to interact with the transaction software in the user's terminal device to complete the collection and refund operations on the user's account (consumer).

[0064] Figure 1 The schematic diagram of the prior art scenario provided for this application is as follows: Figure 1 As shown, the specific application scenario of the present application includes a user terminal device 11, a code scanning box 12, a management information system 13 and an acquiring institution unit 14. The user terminal device includes a user transaction code 1, a user transaction code 2 and a user transaction code 3, and the acquiring institution unit includes acquiring institution 1, acquiring institution 2 and acquiring institution 3. Among them, the user transaction code 1 corresponds to the transaction standard of the transaction software 1, and the payment collection operation for the user transaction code 1 needs to be performed through the acquiring institution 1; the user transaction code 2 corresponds to the transaction standard of the transaction software 2, and the payment collection operation for the user transaction code 2 needs to be performed through the acquiring institution 2; the user transaction code 3 corresponds to the transaction standard of the transaction software 3, and the payment collection operation for the user transaction code 3 needs to be performed through the acquiring institution 3. The merchant's management information system includes a USB female port, and the code scanning box includes a USB male port. The above USB male port and the USB female port are connected through USB to realize the connection and communication between the management information system and the code scanning box. When the user displays the corresponding transaction code (such as user transaction code 1) in any transaction software through the user terminal device to conduct a transaction, the merchant staff uses a code scanning box to scan the user transaction code 1, and sends the scanned text string corresponding to the user transaction code 1 to the management information system via USB, so that the management information system calls the API interface of the acquiring institution 1 corresponding to the user transaction code 1 to execute the payment operation, and after the payment is successfully collected, the payment amount is forwarded to the merchant's account in the acquiring institution 1.

[0065] However, when the transaction standard and / or the API interface of the acquiring institution corresponding to the transaction code displayed by the user are not configured in the merchant's management information system, the merchant needs to readjust and modify the original code of the management information system so that the modified code can meet the transaction standard corresponding to the current transaction code and can be effectively connected with the API interface of the acquiring institution corresponding to the current transaction code. Therefore, combined with the above scenario, it can be seen that the existing technology increases the workload of refund and collection operations during the transaction process and reduces the efficiency of refund and collection.

[0066] The transaction processing method provided by the present application is to scan the transaction code displayed by the user terminal device through the code scanning unit, convert the transaction code into the corresponding first text string, transmit the first text string to the transaction plug-in through the USB interface, determine whether the transaction type corresponding to the first text string is a preset type through the transaction plug-in, and when it is determined that it is not a preset type, determine the new interface unit corresponding to the first text string, send the first text string to the new interface unit, so as to collect money from the user account in the user terminal device through the new interface unit according to the first text string, and transfer the corresponding target amount to the first account of the payee under the new interface unit, and then generate a second text string according to the target amount and send it to the transaction plug-in through the Internet, send it to the original acquiring institution through the transaction plug-in via the management information system, collect money from the original acquiring institution according to the second text string, so as to transfer the target amount in the first account to the second account of the payee under the original acquiring institution. The present application solves the problem that the existing technology can only complete the transaction collection under the new transaction standard and / or the transaction collection under the new acquiring institution by modifying the original code, improves the transaction efficiency and reliability under the new transaction standard and the new acquiring institution, and reduces the operation cost of the transaction.

[0067] The transaction processing method provided in this application is intended to solve the above technical problems of the prior art.

[0068] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0069] Figure 2 A schematic diagram of the structure of the transaction processing system provided for this application, such as Figure 2As shown, the transaction processing system includes: a user terminal device, a code scanning box, a transaction plug-in, a management information system, a new interface unit and an original acquiring institution. Among them, the transaction plug-in is used to obtain the first text string sent by the code scanning unit, and the first text string is generated by the code scanning unit according to the transaction code displayed by the user terminal device; when it is determined that the transaction type corresponding to the first text string is not a preset type, the target amount in the user account is transferred to the first account according to the first text string, and a second text string with a preset transaction type is generated and sent to the original acquiring institution that supports the preset type; the first account is the account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string; the original acquiring institution is used to receive the second text string, collect money according to the second text string, so that the target amount in the first account is transferred to the second account, and the second account is the account of the payee under the original acquiring institution.

[0070] Optionally, the code scanning unit includes but is not limited to a code scanning gun and a code scanning box, the transaction code includes but is not limited to a QR code and a barcode, and the new interface unit includes but is not limited to the new acquiring interface and new acquiring institution of the original acquiring institution.

[0071] In a possible embodiment, the user displays a QR code through a user terminal device, and the staff of the payee where the user is located scans the QR code through a code scanning box, generates a first text string corresponding to the QR code based on the obtained QR code, and sends it to the transaction plug-in through a USB interface. The transaction plug-in receives the first text string and determines whether the transaction type corresponding to the first text string is a preset type.

[0072] Optionally, the preset type includes one or more transaction types, wherein any transaction type in the preset type may indicate a corresponding original acquiring institution, or may indicate a transaction standard of the corresponding acquiring institution.

[0073] Optionally, the transaction type corresponding to the first text string may indicate an original acquirer or an original transaction standard of the original acquirer, or may indicate a new acquirer or any transaction standard of the new acquirer, or may indicate a new transaction standard of the original acquirer. In the transaction processing system of this embodiment, one or more new interface units may be configured for each new acquirer, or one or more new interface units may be configured for any new transaction standard of each original acquirer.

[0074] Optionally, the transaction plug-in is further used to send the first text string to the original acquiring institution when it is determined that the transaction type corresponding to the first text string is a preset type; the original acquiring institution is further used to receive the first text string and collect payment based on the first text string; wherein the first text string whose transaction type is the preset type is used to transfer the target amount in the user account to the second account.

[0075] In a possible embodiment, the transaction plug-in is a device including a USB male port and a USB female port. The USB male port of the transaction plug-in is connected to the USB female port of the management information system through the first USB, and the USB female port of the transaction plug-in is connected to the USB male port of the code scanning unit through the second USB. In this embodiment, no distinction is made between the first USB and the second USB. The second USB can be used to connect the transaction plug-in and the management information system, or the second USB can be used to connect the transaction plug-in and the code scanning unit; similarly, the second USB can be used to connect the transaction plug-in and the management information system, or the second USB can be used to connect the transaction plug-in and the code scanning unit.

[0076] For example, Figure 2 As shown, data interaction is performed through USB transmission.

[0077] Exemplarily, when the first USB is connected to the transaction plug-in and the management information system, and the second USB is connected to the code scanning unit and the transaction plug-in, the code scanning unit generates a first text string corresponding to the transaction code after scanning the transaction code, and transmits the first text string to the transaction plug-in via the second USB. If the transaction plug-in determines that the first text string corresponds to the original acquiring institution (or the original transaction standard of the original acquiring institution), the first text string is transmitted to the management information system via the first USB, so that the first text string is sent to the original acquiring institution through the management information system. The original acquiring institution completes the collection of the target amount according to the first text string, thereby transferring the target amount in the user account to the account (second account) of the payee under the original acquiring institution.

[0078] The embodiment of the present application receives the first text string corresponding to the transaction code through the transaction plug-in, determines whether the transaction type corresponding to the first text string is a preset type, and selects different transaction links according to the judgment result to complete the user-oriented payment process. The transaction processing system realizes effective payment collection in the transaction payment collection scenario of the new acquiring institution without modifying the original code to meet the payment collection process corresponding to the new acquiring institution. At the same time, the transaction processing system ensures effective payment collection in the transaction payment collection scenario of the original acquiring institution, further improves the convenience and efficiency of various transactions, and enhances the user transaction experience.

[0079] Optionally, when the transaction plug-in transfers the target amount in the user account to the first account according to the first text string and generates a second text string with a preset transaction type, it is specifically used to: determine the corresponding new interface unit according to the first text string, send the first text string to the new interface unit, so that the new interface unit collects the target amount in the user account according to the first text string, and transfers the received target amount to the first account; receive the second text string, which is generated by the new interface unit based on the target amount in the first account after successfully collecting money from the user account and sent to the transaction plug-in.

[0080] Exemplarily, if the transaction plug-in determines that the first text string corresponds to a new acquiring institution (or the new transaction standard of the original acquiring institution), the transaction plug-in transmits the first text string to the new interface unit corresponding to the new acquiring institution via the Internet, collects the target amount from the user terminal device via the new interface unit, and transfers the received target amount to the account of the payee under the new acquiring institution (the first account), generates a second text string of any transaction type in the preset types according to the target amount in the first account, and sends it to the transaction plug-in via the Internet. After receiving the second text string, the transaction plug-in transmits the second text string to the management information system via the first USB, and sends the second text string to the original acquiring institution through the management information system. The original acquiring institution completes the collection of the target amount according to the second text string, so as to transfer the target amount in the first account to the account of the payee under the new acquiring institution (the second account).

[0081] Optionally, the new interface unit may be a module in the transaction plug-in, or may be a separate module independent of the transaction plug-in and communicating with the transaction plug-in, which is not limited in the present application.

[0082] When completing transactions under the new transaction standard or new acquiring institution, this embodiment does not require re-modification of the original code, nor does it require the user to establish an actual physical connection with the new interface unit. Instead, it only requires the installation of a transaction plug-in between the code scanning unit and the management information system. The payment transaction process under the new transaction standard or new acquiring institution can be implemented based on the transaction plug-in and the new interface unit with communication connection, thereby enhancing the usable scenarios of the transaction processing system, improving the payment efficiency and reliability under the new transaction standard or new acquiring institution, and reducing the payment cost of transactions involving the new transaction standard or new acquiring institution.

[0083] Optionally, the transaction plug-in is also used to receive the first transaction type, first collection information and first deduction information sent by the new interface unit and generate a first purchase order after the new interface unit transfers the target amount of the user account to the first account; the first transaction type is a transaction type supported by the new interface unit, the first deduction information is the deduction information of the user account, and the first collection information is the collection information of the first account of the payee; the original acquiring institution is also used to feedback the second transaction type, second collection information and second deduction information to the management information system after transferring the target amount in the first account to the second account, so that the management information system generates a second purchase order; the second transaction type is a transaction type supported by the original acquiring institution, the second deduction information is the deduction information of the first account, and the second collection information is the collection information of the second account of the payee.

[0084] In a possible embodiment, after the new interface unit completes the collection of funds from the user account (i.e., transferring the target amount of the user account to the first account), the new interface unit feeds back to the transaction plug-in through the Internet the transaction type, user account and the account of the payee under the new interface unit corresponding to the exchange that collected funds from the user account, and the transaction plug-in generates and outputs the first purchase order based on the transaction type, user account and the account of the payee under the new interface unit so that the user can view the status of this transaction.

[0085] In a possible embodiment, after the original acquiring institution completes the collection of the first account (i.e., transfers the target amount of the first account to the second account), it feeds back to the management information system the transaction type corresponding to the exchange corresponding to the collection of the first account, the account of the payee under the new interface unit, and the account under the original acquiring institution. The management information system generates a second purchase order based on the transaction type, the account of the payee under the new interface unit, and the account under the original acquiring institution, and outputs it for the merchant of the payee to view the status of this transaction.

[0086] After the payment is completed, this embodiment promptly feeds back the purchase order corresponding to the relevant transaction to the user and the payee, respectively, so that the user and the payee can determine the current transaction status and enhance the user's transaction experience.

[0087] Optionally, the transaction plug-in is also used to obtain the first transaction order number sent by the code scanning unit, determine the corresponding new interface unit according to the transaction type corresponding to the first transaction order number, and send the first transaction order number to the new interface unit; the first transaction order number is sent to the transaction plug-in by the code scanning unit after scanning the first purchase order; the original acquiring institution is also used to receive a confirmation refund instruction sent by the management information system, and return the corresponding target amount from the second account to the first account based on the confirmation refund instruction, so that when the new interface unit corresponding to the first account determines that the refunded target amount has been received, the target amount is returned from the first account to the user account; wherein, the confirmation refund instruction is generated by the management information system based on the second transaction order number, the second transaction order number is sent to the management information system through the transaction plug-in after being determined by the new interface unit based on historical transaction information, and the historical transaction information is generated by the original acquiring institution when the first account is successfully collected and fed back to the new interface unit.

[0088] In a possible embodiment, when a user needs to apply for a refund process for any historical transaction, the first purchase order corresponding to the historical transaction is displayed to the payee corresponding to the historical transaction, and the first purchase order is scanned by the payee's code scanning unit to obtain the first transaction order number corresponding to the historical transaction, and sent to the transaction plug-in. When the transaction plug-in determines that the transaction type corresponding to the first transaction order number is not a preset type, a new interface unit corresponding to the transaction type is obtained to send the first transaction order number to the new interface unit. The new interface unit determines the second transaction order number of the preset type corresponding to the first transaction order number that is not a preset type according to the historical transaction information, and sends the second transaction order number to the management information system. When the management information system receives the confirmation refund instruction corresponding to the second transaction order number triggered by the payee, the confirmation refund instruction is sent to the corresponding original acquiring institution, so that the original acquiring institution transfers the target amount indicated by the confirmation refund instruction from the payee's account (second account) under the original acquiring institution to the payee's account (first account) under the new interface unit, and sends the confirmation refund instruction to the new interface unit. When the new interface unit determines that the refund is received in the first account of the payee, the target amount in the first account is transferred to the user account indicated by the confirmation refund instruction, thereby completing the refund process when the transaction type is not the preset type.

[0089] This embodiment realizes effective and fast refunds in transaction collection scenarios under new transaction standards or new acquiring institutions, thereby improving user experience.

[0090] Exemplarily, when the transaction type corresponding to the first transaction order number is determined to be a preset type through the transaction plug-in, the original acquiring institution corresponding to the preset type is determined, and the first transaction order number (including the identifier of the original acquiring institution) is sent to the management information system. When receiving the confirmation refund instruction corresponding to the first transaction order number triggered by the payee, the confirmation refund instruction is sent to the original acquiring institution, so that the original acquiring institution transfers the target amount indicated by the confirmation refund instruction from the payee's account (second account) under the original acquiring institution to the user account, thereby completing the refund process for the preset transaction type. The transaction processing system ensures effective refunds in the refund scenario of transactions with preset transaction types, further improves the convenience and efficiency of refunds, and enhances the user refund experience.

[0091] Figure 3 A flowchart of the transaction processing method provided for this application is as follows: Figure 3 As shown, in this embodiment Figure 2 Based on the embodiment, a transaction processing method is described in detail, and the method includes:

[0092] S301. The transaction plug-in obtains a first text string.

[0093] More specifically, the transaction plug-in obtains a first text string sent by the code scanning unit, wherein the first text string is generated by the code scanning unit according to the transaction code obtained by scanning after scanning the transaction code displayed by the user terminal device.

[0094] S302: The transaction plug-in determines whether the transaction type corresponding to the first text string is a preset type.

[0095] More specifically, after receiving the first text string, the transaction plug-in determines whether the transaction type corresponding to the first text string is any one of the preset types.

[0096] Exemplarily, when the transaction plug-in determines that the transaction type corresponding to the first text string is the new transaction standard of the original acquiring institution, it is found that the first text string is not a preset type.

[0097] Exemplarily, when the transaction plug-in determines that the transaction type corresponding to the first text string is a new acquirer, it is found that the first text string is not a preset type.

[0098] Exemplarily, when the transaction plug-in determines that the transaction type corresponding to the first text string is the original transaction standard of the original acquiring institution, it is determined that the first text string is a preset type.

[0099] Exemplarily, when the transaction plug-in determines that the transaction type corresponding to the first text string is the original acquiring institution, it is determined that the first text string is a preset type.

[0100] S303: When the transaction plug-in determines that the type is not a preset type, a new interface unit is determined according to the first text string.

[0101] More specifically, when the transaction plug-in determines that the current first text string is not any transaction type among the preset types, the transaction plug-in determines a new interface unit according to the first text string.

[0102] Exemplarily, when the transaction plug-in determines that the first text string is not of a preset type, it determines, based on the first text string, that the new interface unit is an interface unit corresponding to the new acquiring interface of the original acquiring institution.

[0103] Exemplarily, when the transaction plug-in determines that the first text string is not of a preset type, it determines, based on the first text string, that the new interface unit is the interface unit corresponding to the new acquirer.

[0104] S304: The transaction plug-in sends a first text string to the new interface unit.

[0105] S305. The new interface unit collects money according to the first text string, transfers the target amount in the user account to the first account, and generates a second text string.

[0106] More specifically, after the new interface unit receives the first text string sent by the transaction plug-in, it determines the target amount indicated by the first text string and collects money from the user terminal device, transfers the target amount collected from the user account to the payee's account under the new interface unit (the first account), and generates a second text string of a preset type based on the target amount in the first account.

[0107] S306. The new interface unit sends a second text string to the transaction plug-in.

[0108] S307. The transaction plug-in sends a second text string to the original acquiring institution.

[0109] More specifically, after receiving the second text string, the transaction plug-in sends the second text string to the management information system via USB, so that the second text string is sent to the original acquiring institution through the management information system.

[0110] S308. The original acquiring institution collects payment according to the second text string and transfers the target amount in the first account to the second account.

[0111] More specifically, after receiving the second text string, the original acquiring institution collects money from the first account of the new interface unit according to the second text string to transfer the target amount in the first account to the payee's account (second account) under the original acquiring institution.

[0112] Optionally, after the original acquiring institution successfully collects money from the first account of the payee, it generates a transaction type corresponding to the second text string, the deduction information of the first account in the transaction, and the collection information of the second account in the transaction, and sends them to the management information system, so that the management information system can generate a purchase slip to be fed back to the payee based on the transaction type corresponding to the second text string, the deduction information of the first account in the transaction, and the collection information of the second account in the transaction.

[0113] Optionally, after the new interface unit successfully collects money from the user account, it generates a transaction type corresponding to the first text string, the deduction information of the user account in the transaction, and the collection information of the first account in the transaction, and sends them to the transaction plug-in, so that the transaction plug-in can generate a purchase slip to be fed back to the user based on the transaction type corresponding to the first text string, the deduction information of the user account in the transaction, and the collection information of the first account in the transaction.

[0114] The transaction processing method provided in the embodiment of the present application determines whether the transaction type corresponding to the first text string is a preset type through a transaction plug-in, and sends the first text string whose transaction type is not the preset type to a new interface unit corresponding to the transaction type, so that the new interface unit collects the target amount from the user account and transfers it to the account of the payee under the new interface unit, and generates a second text string with a transaction type of the preset type through the target amount in the account and sends it to the transaction plug-in, which is then sent to the original acquiring institution through the transaction plug-in via the management information system, so that the original acquiring institution initiates payment to the payee's account under the new interface unit according to the second text string, so as to transfer the target amount to the payee's account under the original acquiring institution. Therefore, when executing the new transaction standard or the payment process corresponding to the new acquiring institution, the above payment process can be executed without modifying the original code, thereby improving the convenience and efficiency of payment and enhancing the user experience.

[0115] The transaction processing method provided in this application can be applied to Figure 2 The transaction processing system shown. It should be noted that Figure 2The transaction processing system shown can be applicable to different network standards, for example, it can be applicable to global system of mobile communication (GSM), code division multiple access (CDMA), wideband code division multiple access (WCDMA), time division synchronous code division multiple access (TD-SCDMA), long term evolution (LTE) system and future 5G network standards. Optionally, the above communication system can be a system in the scenario of ultra-reliable and low latency communications (URLLC) transmission in a 5G communication system.

[0116] The above-mentioned user terminal equipment can be a wireless terminal or a wired terminal. The wireless terminal can be a device that provides voice and / or other business data connectivity to the user, a handheld device with a wireless connection function, or other processing equipment connected to a wireless modem. The wireless terminal can communicate with one or more core network devices via a radio access network (Radio Access Network, referred to as RAN). The wireless terminal can be a mobile terminal, such as a mobile phone (or "cellular" phone) and a computer with a mobile terminal. For example, it can be a portable, pocket-sized, handheld, computer-built-in or vehicle-mounted mobile device that exchanges language and / or data with the radio access network. For another example, the wireless terminal can also be a personal communication service (Personal Communication Service, referred to as PCS) phone, a cordless phone, a Session Initiation Protocol (Session Initiation Protocol, referred to as SIP) phone, a wireless local loop (Wireless Local Loop, referred to as WLL) station, a personal digital assistant (Personal Digital Assistant, referred to as PDA) and other devices. The wireless terminal may also be referred to as a system, a subscriber unit, a subscriber station, a mobile station, a mobile station, a remote station, a remote terminal, an access terminal, a user terminal, a user agent, or a user device or user equipment, without limitation. Optionally, the user terminal device may also be a smart watch, a tablet computer, or other device.

[0117] Figure 4 Schematic diagram of the structure of the transaction processing device provided in this application Figure 1 , applied to transaction plugins, such as Figure 4 As shown, the transaction processing device 40 provided in this embodiment includes:

[0118] An acquisition module 401 is used to acquire a first text string sent by a code scanning unit, where the first text string is generated by the code scanning unit according to a transaction code displayed by a user terminal device;

[0119] The first processing module 402 is used to transfer the target amount in the user account to the first account according to the first text string when it is determined that the transaction type corresponding to the first text string is not the preset type, generate a second text string with the transaction type of the preset type, and send it to the original acquiring institution that supports the preset type, so that the original acquiring institution collects the payment according to the second text string and transfers the target amount in the first account to the second account; the second account is the account of the payee under the original acquiring institution, the first account is the account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string.

[0120] Optionally, the first processing module 402 is further configured to determine a corresponding new interface unit according to the first text string, and send the first text string to the new interface unit, so that the new interface unit collects the target amount in the user account according to the first text string, and transfers the received target amount to the first account;

[0121] A second text string is received, where the second text string is generated by the new interface unit based on a target amount in the first account after successfully receiving payment from the user account and is sent to the transaction plug-in.

[0122] Optionally, the first processing module 402 is also used to receive the first transaction type, first receipt information and first deduction information sent by the new interface unit and generate a first purchase order after the new interface unit transfers the target amount of the user account to the first account; the first transaction type is the transaction type supported by the new interface unit, the first deduction information is the deduction information of the user account, and the first receipt information is the receipt information of the first account of the payee.

[0123] Optionally, the acquisition module 401 is also used to obtain the first transaction order number sent by the scanning unit, determine the corresponding new interface unit according to the transaction type corresponding to the first transaction order number, and send the first transaction order number to the new interface unit; the first transaction order number is sent to the transaction plug-in by the scanning unit after scanning the first purchase order.

[0124] Optionally, the first processing module 402 is further used to send the first text string to the original acquiring institution when it is determined that the transaction type corresponding to the first text string is a preset type; so that the original acquiring institution collects payment according to the first text string and transfers the target amount in the user account to the second account.

[0125] The transaction processing device provided in this embodiment is applied to a transaction plug-in and can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar and will not be described in detail in this embodiment.

[0126] Figure 5 Schematic diagram of the structure of the transaction processing device provided in this application Figure 2 , applied to the original acquirer, such as Figure 5 As shown, the transaction processing device 50 provided in this embodiment includes:

[0127] The receiving module 501 is used to receive a second text string sent by the transaction plug-in; the second text string is generated by the transaction plug-in when the target amount in the user account is transferred to the first account according to the first text string when it is determined that the transaction type corresponding to the first text string is not a preset type, the first text string is generated by the code scanning unit according to the transaction code displayed by the user terminal device, the transaction type corresponding to the second text string is a preset type, the preset type is a transaction type supported by the original acquiring institution, the first account is the account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string;

[0128] The second processing module 502 is used to collect payment according to the second text string to transfer the target amount in the first account to the second account, where the second account is the account of the payee under the original acquiring institution.

[0129] Optionally, the second processing module 502 is also used to feedback the second transaction type, second collection information and second deduction information to the management information system after the target amount in the first account is transferred to the second account, so that the management information system generates a second purchase order; the second transaction type is the transaction type supported by the original acquiring institution, the second deduction information is the deduction information of the first account, and the second collection information is the collection information of the second account of the payee.

[0130] Optionally, the receiving module 501 is also used to receive a refund confirmation instruction sent by the management information system, and refund the corresponding target amount from the second account to the first account based on the refund confirmation instruction, so that when the new interface unit corresponding to the first account determines that the refunded target amount has been received, the target amount is refunded from the first account to the user account; wherein, the refund confirmation instruction is generated by the management information system based on the second transaction order number, the second transaction order number is determined by the new interface unit based on historical transaction information and sent to the management information system through the transaction plug-in, and the historical transaction information is generated by the original acquiring institution when the first account is successfully collected and fed back to the new interface unit.

[0131] Optionally, the receiving module 501 is also used to receive a first text string sent by the transaction plug-in, collect payment based on the first text string, and transfer the target amount in the user account to the second account, wherein the first text string is sent by the transaction plug-in when it is determined that the transaction type corresponding to the first text string is a preset type.

[0132] The transaction processing device provided in this embodiment is applied to the original acquiring institution and can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be repeated here.

[0133] Figure 6 This is a schematic diagram of the structure of the electronic device provided in this application. Figure 6 As shown, the electronic device 60 provided in this embodiment includes: at least one processor 601 and a memory 602. Optionally, the device 60 also includes a communication component 603. The processor 601, the memory 602 and the communication component 603 are connected via a bus 604.

[0134] In a specific implementation process, at least one processor 601 executes the computer execution instructions stored in the memory 602, so that at least one processor 601 executes the above method.

[0135] The specific implementation process of the processor 601 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0136] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0137] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk storage.

[0138] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0139] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0140] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0141] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0142] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0143] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0144] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0145] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0146] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0147] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0148] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary techniques in the art that are not disclosed in the present application. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0149] It should be understood that the present application is not limited to the precise structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A transaction processing system, characterized in that: include: A transaction plug-in, used to obtain a first text string sent by a code scanning unit, where the first text string is generated by the code scanning unit according to a transaction code displayed by a user terminal device; When it is determined that the transaction type corresponding to the first text string is not a preset type, transferring the target amount in the user account to the first account according to the first text string, generating a second text string whose transaction type is the preset type, and sending it to the original acquiring institution that supports the preset type; The first account is an account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string; The original acquiring institution is used to receive the second text string and collect payment according to the second text string to transfer the target amount in the first account to the second account, where the second account is the account of the payee under the original acquiring institution.

2. The transaction processing system according to claim 1, characterized in that: When the transaction plug-in transfers the target amount in the user account to the first account according to the first text string and generates a second text string with a transaction type of a preset type, the transaction plug-in is specifically used to: Determine a corresponding new interface unit according to the first text string, send the first text string to the new interface unit, so that the new interface unit collects a target amount in the user account according to the first text string, and transfers the received target amount to the first account; The second text string is received, where the second text string is generated by the new interface unit based on the target amount in the first account after successfully collecting money from the user account and sent to the transaction plug-in.

3. The transaction processing system according to claim 1 or 2, characterized in that: The transaction plug-in is further used to receive the first transaction type, first payment information and first deduction information sent by the new interface unit after the new interface unit transfers the target amount of the user account to the first account, and generate a first purchase order; the first transaction type is a transaction type supported by the new interface unit, the first deduction information is the deduction information of the user account, and the first payment information is the payment information of the first account of the payee; The original acquiring institution is further configured to feed back a second transaction type, second payment information, and second deduction information to the management information system after transferring the target amount in the first account to the second account, so that the management information system generates a second purchase order; The second transaction type is a transaction type supported by the original acquiring institution, the second deduction information is the deduction information of the first account, and the second receipt information is the receipt information of the second account of the payee.

4. The transaction processing system according to claim 3, characterized in that: The transaction plug-in is further used to obtain the first transaction order number sent by the code scanning unit, determine the corresponding new interface unit according to the transaction type corresponding to the first transaction order number, and send the first transaction order number to the new interface unit; the first transaction order number is sent to the transaction plug-in by the code scanning unit after scanning the first purchase order; The original acquiring institution is also used to receive a refund confirmation instruction sent by the management information system, and refund the corresponding target amount from the second account to the first account based on the refund confirmation instruction, so that when the new interface unit corresponding to the first account determines that the refunded target amount has been received, the target amount is refunded from the first account to the user account; wherein, the refund confirmation instruction is generated by the management information system based on the second transaction order number, the second transaction order number is determined by the new interface unit based on historical transaction information and sent to the management information system through the transaction plug-in, and the historical transaction information is generated by the original acquiring institution when the first account is successfully collected and fed back to the new interface unit.

5. The transaction processing system according to claim 1, characterized in that: The transaction plug-in is further configured to send the first text string to an original acquiring institution corresponding to the preset type when it is determined that the transaction type corresponding to the first text string is a preset type; The original acquiring institution is further used to receive the first text string and collect payment according to the first text string to transfer the target amount in the user account to the second account of the payee.

6. A transaction processing method, characterized in that: Applicable to trading plugins, including: Acquire a first text string sent by a code scanning unit, where the first text string is generated by the code scanning unit according to a transaction code displayed by a user terminal device; When it is determined that the transaction type corresponding to the first text string is not a preset type, the target amount in the user account is transferred to the first account according to the first text string, and a second text string with a transaction type of the preset type is generated and sent to the original acquiring institution that supports the preset type, so that the original acquiring institution collects the payment according to the second text string, and transfers the target amount in the first account to the second account; the second account is the account of the payee under the original acquiring institution, the first account is the account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string.

7. A transaction processing method, characterized in that: Applied to original acquirers, including: receiving a second text string sent by the transaction plug-in; the second text string is generated by the transaction plug-in when the target amount in the user account is transferred to the first account according to the first text string when it is determined that the transaction type corresponding to the first text string is not a preset type, the first text string is generated by the code scanning unit according to the transaction code displayed by the user terminal device, the transaction type corresponding to the second text string is a preset type, the preset type is a transaction type supported by the original acquiring institution, the first account is an account of the payee under the new interface unit, and the new interface unit is an interface unit that supports the transaction type corresponding to the first text string; The payment is collected according to the second text string to transfer the target amount in the first account to a second account, where the second account is an account of the payee under the original acquiring institution.

8. An electronic device, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to claim 6 or 7.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to claim 6 or 7 when executed by a processor.

10. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to claim 6 or 7 when being executed by a processor.

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