Transaction clearing method, device and equipment and storage medium
Through automated transaction information processing and correction operations, the problem of low transaction clearing efficiency in the existing technology is solved, and efficient erroneous liquidation of target transactions is achieved.
Patent Information
- Application Number
- CN202311523452.3
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2023-11-13
- Publication Date
- 2025-05-13
AI Technical Summary
In the prior art, transaction clearing efficiency is low, and staff are required to check and correct each transaction information.
By determining the transaction information of the target transaction, including transaction record information and error description information, determining the transaction account and transaction type, determining the initial correction operation based on the error description information and transaction type, determining the target correction operation based on the historical transaction record, and performing the target correction operation to achieve error clearing.
Automatic error clearing of target transactions is achieved, and the efficiency of transaction clearing is improved.
Smart Images
Figure CN119991287A_ABST
Abstract
Description
Technical Field
[0001] The embodiments of the present application relate to the field of artificial intelligence technology, and in particular to a transaction clearing method, apparatus, device and storage medium. Background Art
[0002] When users conduct transactions through the business system, transaction errors may occur. The user terminal where the business system is located can report the erroneous transactions. In addition, users can also appeal against erroneous transactions.
[0003] In the prior art, after obtaining multiple transaction information with execution errors, the staff can check each transaction information separately and make corrections to the transaction based on the verification results. In the above process, the staff is required to check and correct each transaction information, resulting in low efficiency in transaction settlement. Summary of the invention
[0004] The present application provides a transaction clearing method, device, equipment and storage medium to solve the technical problem of low efficiency in transaction clearing.
[0005] In a first aspect, the present application provides a transaction clearing method, comprising:
[0006] Determining transaction information of a target transaction, wherein the target transaction is a transaction with an execution error, and the transaction information includes transaction record information and error description information;
[0007] Determining, according to the transaction record information, at least one transaction account corresponding to the target transaction and a transaction type of the target transaction;
[0008] Determine at least one initial correction operation of the target transaction according to the error description information, the transaction type and the at least one transaction account, wherein the initial correction operation includes: a target transaction account, an operation type and an operation amount;
[0009] Determining at least one target corrective operation based on the historical transaction record of the at least one transaction account and the at least one initial corrective operation;
[0010] The at least one target correction operation is performed on the at least one transaction account to achieve error settlement of the target transaction.
[0011] In a possible implementation, determining at least one initial corrective operation of the target transaction according to the error description information, the transaction type, and the at least one transaction account includes:
[0012] Determining a plurality of preset transaction operations corresponding to the transaction type;
[0013] Performing semantic recognition processing on the error description information to determine semantic information corresponding to the error description information;
[0014] The at least one initial correction operation is determined according to the plurality of preset transaction operations, the semantic information and the at least one transaction account.
[0015] In a possible implementation, determining the at least one initial correction operation according to the plurality of preset transaction operations, the semantic information, and the at least one transaction account includes:
[0016] Matching each preset transaction operation with the semantic information respectively to determine the error probability corresponding to each preset transaction operation;
[0017] Determine a preset transaction operation whose error probability is greater than or equal to a preset threshold as at least one erroneous transaction operation;
[0018] An initial correction operation corresponding to each erroneous transaction operation is determined according to the semantic information and the at least one transaction account to obtain the at least one initial correction operation.
[0019] In a possible implementation, for any erroneous transaction operation, determining an initial correction operation corresponding to the erroneous transaction operation according to the semantic information and the at least one transaction account includes:
[0020] Determining a target transaction account in the at least one transaction account according to the semantic information, and determining an operation type and an operation amount corresponding to the erroneous transaction operation;
[0021] An initial correction operation corresponding to the erroneous transaction operation is generated according to the target transaction account, the operation type and the operation amount.
[0022] In a possible implementation, determining at least one target corrective operation according to the historical transaction record of the at least one transaction account and the at least one initial corrective operation includes:
[0023] According to the historical transaction record of the at least one transaction account, verify the at least one initial correction operation to obtain a verification result, wherein the verification result is verification passed or verification failed;
[0024] If the verification result is that the verification is passed, determining the at least one initial correction operation as the at least one target correction operation;
[0025] If the verification result is that the verification fails, then the at least one initial correction operation is updated according to the historical transaction record to obtain the at least one target correction operation.
[0026] In a possible implementation, verifying the at least one initial correction operation according to the historical transaction record of the at least one transaction account to obtain a verification result includes:
[0027] Determining transaction request information corresponding to the target transaction, the transaction request information including the at least one target transaction account, the target transaction type, and the target transaction amount;
[0028] Determining actual transaction information according to the transaction record information, wherein the actual transaction information includes at least one actual transaction account, an actual transaction type, and an actual transaction amount;
[0029] The at least one initial correction operation is verified according to the transaction request information and the actual transaction information to obtain the verification result.
[0030] In a possible implementation, performing verification processing on the at least one initial correction operation according to the transaction request information and the actual transaction information to obtain the verification result includes:
[0031] According to the at least one initial correction operation, the actual transaction information is corrected to obtain intermediate transaction information;
[0032] If the intermediate transaction information is the same as the transaction request information, determining that the verification result is the verification passed;
[0033] If the intermediate transaction information is different from the transaction request information, the verification result is determined to be that the verification has failed.
[0034] In a second aspect, the present application provides a transaction clearing device, including a first determination module, a second determination module, a third determination module, a fourth determination module and an execution module:
[0035] The first determination module is used to determine transaction information of a target transaction, where the target transaction is a transaction with an execution error, and the transaction information includes transaction record information and error description information;
[0036] The second determination module is used to determine at least one transaction account corresponding to the target transaction and a transaction type of the target transaction according to the transaction record information;
[0037] The third determination module is used to determine at least one initial correction operation of the target transaction according to the error description information, the transaction type and the at least one transaction account, wherein the initial correction operation includes: a target transaction account, an operation type and an operation amount;
[0038] The fourth determination module is used to determine at least one target correction operation according to the historical transaction record of the at least one transaction account and the at least one initial correction operation;
[0039] The execution module is used to execute the at least one target correction operation on the at least one transaction account to achieve error settlement of the target transaction.
[0040] In a possible implementation manner, the third determining module is specifically configured to:
[0041] Determining a plurality of preset transaction operations corresponding to the transaction type;
[0042] Performing semantic recognition processing on the error description information to determine semantic information corresponding to the error description information;
[0043] The at least one initial correction operation is determined according to the plurality of preset transaction operations, the semantic information and the at least one transaction account.
[0044] In a possible implementation manner, the third determining module is specifically configured to:
[0045] Matching each preset transaction operation with the semantic information respectively to determine the error probability corresponding to each preset transaction operation;
[0046] Determine a preset transaction operation whose error probability is greater than or equal to a preset threshold as at least one erroneous transaction operation;
[0047] An initial correction operation corresponding to each erroneous transaction operation is determined according to the semantic information and the at least one transaction account to obtain the at least one initial correction operation.
[0048] In a possible implementation, for any erroneous transaction operation, the third determination module is specifically configured to:
[0049] Determining a target transaction account in the at least one transaction account according to the semantic information, and determining an operation type and an operation amount corresponding to the erroneous transaction operation;
[0050] An initial correction operation corresponding to the erroneous transaction operation is generated according to the target transaction account, the operation type and the operation amount.
[0051] In a possible implementation manner, the fourth determining module is configured to:
[0052] According to the historical transaction record of the at least one transaction account, verify the at least one initial correction operation to obtain a verification result, wherein the verification result is verification passed or verification failed;
[0053] If the verification result is that the verification is passed, determining the at least one initial correction operation as the at least one target correction operation;
[0054] If the verification result is that the verification fails, then the at least one initial correction operation is updated according to the historical transaction record to obtain the at least one target correction operation.
[0055] In a possible implementation manner, the fourth determining module is configured to:
[0056] Determining transaction request information corresponding to the target transaction, the transaction request information including the at least one target transaction account, the target transaction type, and the target transaction amount;
[0057] Determining actual transaction information according to the transaction record information, wherein the actual transaction information includes at least one actual transaction account, an actual transaction type, and an actual transaction amount;
[0058] The at least one initial correction operation is verified according to the transaction request information and the actual transaction information to obtain the verification result.
[0059] In a possible implementation manner, the fourth determining module is configured to:
[0060] According to the at least one initial correction operation, the actual transaction information is corrected to obtain intermediate transaction information;
[0061] If the intermediate transaction information is the same as the transaction request information, determining that the verification result is the verification passed;
[0062] If the intermediate transaction information is different from the transaction request information, the verification result is determined to be that the verification has failed.
[0063] In a third aspect, an embodiment of the present application provides an electronic device, comprising: at least one processor and a memory; the memory stores computer-executable instructions; the at least one processor executes the computer-executable instructions stored in the memory, so that the at least one processor executes the transaction clearing method described in the first aspect and various possible designs of the first aspect.
[0064] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer execution instructions are stored. When a processor executes the computer execution instructions, the transaction clearing method described in the first aspect and various possible designs of the first aspect is implemented.
[0065] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program. When the computer program is executed by a processor, it implements the transaction clearing method described in the first aspect and various possible designs of the first aspect.
[0066] The transaction clearing method, apparatus, device and storage medium provided in the present application can determine the transaction account and transaction type based on the transaction record information of the target transaction, can determine at least one initial correction operation based on the error description information, the transaction account and the transaction type, can determine at least one target correction operation based on the historical transaction records, and can execute at least one target correction operation, which can realize automated error clearing of the target transaction and improve the efficiency of transaction clearing. BRIEF DESCRIPTION OF THE DRAWINGS
[0067] 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.
[0068] Figure 1 A schematic diagram of an application scenario provided by an embodiment of the present application;
[0069] Figure 2 A flowchart of a transaction clearing method provided in an embodiment of the present application;
[0070] Figure 3 A flow chart of another transaction clearing method provided in an embodiment of the present application;
[0071] Figure 4 A schematic diagram of a process for determining an initial correction operation provided in an embodiment of the present application;
[0072] Figure 5 A schematic diagram of a process for determining a verification result provided in an embodiment of the present application;
[0073] Figure 6 A schematic diagram of a transaction clearing method provided in an embodiment of the present application;
[0074] Figure 7 A schematic diagram of the structure of a transaction clearing device provided in an embodiment of the present application;
[0075] Figure 8 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.
[0076] 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
[0077] 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.
[0078] It should be noted that the collection, storage, use, processing, transmission, provision and disclosure of financial data or user data and other information involved in the technical solution of this application are in compliance with the provisions of relevant laws and regulations and do not violate public order and good morals. 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, and provide corresponding operation portals for users to choose to authorize or refuse.
[0079] Figure 1 This is a schematic diagram of an application scenario provided by an embodiment of the present application. Figure 1 , including a business device 101 and a processing device 102.
[0080] In the business device 101 , multiple transactions with execution errors may be obtained, and a clearing business list may be generated according to the multiple transactions with execution errors. The business device 101 may send the clearing business list to the processing device 102 .
[0081] The processing device 102 can determine the transaction information of the target transaction in the clearing business list, the transaction information can include transaction record information and error description information, and can determine at least one transaction account corresponding to the target transaction and the transaction type of the target transaction based on the transaction record information; determine at least one initial correction operation of the target transaction based on the error description information, the transaction type and at least one transaction account; and determine at least one target correction operation in at least one initial correction operation based on the historical transaction record of at least one transaction account; performing at least one target correction operation on at least one transaction account can achieve error clearing of the target transaction.
[0082] In the prior art, after obtaining multiple transaction information with execution errors, the staff can check each transaction information separately and make corrections to the transaction based on the verification results. In the above process, the staff is required to check and correct each transaction information, resulting in low efficiency in transaction settlement.
[0083] In an embodiment of the present application, the transaction account and transaction type can be determined based on the transaction record information of the target transaction, at least one initial correction operation can be determined based on the error description information, the transaction account and the transaction type, at least one target correction operation can be determined based on the historical transaction records, and at least one target correction operation can be executed, thereby achieving automated error clearing of the target transaction and improving the efficiency of transaction clearing.
[0084] 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.
[0085] Figure 2 A flowchart of a transaction clearing method provided in an embodiment of the present application. Figure 2 , the method may include:
[0086] S201. Determine transaction information of a target transaction.
[0087] The execution subject of the embodiment of the present application may be a processing device, or a transaction clearing device arranged in the processing device. The transaction clearing device may be implemented by software, or by a combination of software and hardware.
[0088] The target transaction may be a transaction with an execution error, and the transaction information may include transaction record information and error description information.
[0089] The transaction record information may be a record of transactions that have been carried out.
[0090] The error description information may include semantic information describing the error situation of the target transaction. For example, suppose that an error occurs in the transfer amount from transaction account 1 to transaction account 2, and the transfer needs to be revoked.
[0091] S202: Determine at least one transaction account corresponding to the target transaction and the transaction type of the target transaction according to the transaction record information.
[0092] Trading accounts can be personal accounts, public accounts, and core accounts, etc.
[0093] Transaction types may include transfer type, deduction type, and early repayment type, etc.
[0094] For example, assuming that the transaction record information of the target transaction deducts money from the transaction account 1, then at least one transaction account is the transaction account 1, and the transaction type of the target transaction is a deduction type.
[0095] For example, assuming that the transaction record information of the target transaction is a transfer from transaction account 1 to transaction account 2, two transaction accounts can be determined, namely transaction account 1 and transaction account 2, and the transaction type of the target transaction is a transfer type.
[0096] S203: Determine at least one initial corrective operation for the target transaction according to the error description information, the transaction type, and at least one transaction account.
[0097] The initial correction operation may include: a target transaction account, an operation type, and an operation amount, wherein the operation type may include an outgoing account type and an incoming account type.
[0098] At least one initial correction operation may be determined in the following manner: determining a plurality of preset transaction operations corresponding to the transaction type; performing semantic recognition processing on the error description information to determine semantic information corresponding to the error description information; and determining at least one initial correction operation based on the plurality of preset transaction operations, the semantic information and at least one transaction account.
[0099] For example, assuming that the transaction type is transaction type 1, transaction type 1 corresponds to four preset transaction operations, namely preset transaction operations 1-4. Assuming that the error description information is semantically recognized and processed to determine semantic information 1, the initial correction operation can be determined based on the preset transaction operations 1-4, semantic information 1 and at least one transaction account.
[0100] For example, assuming that the transaction type is a deduction type, and assuming that the deduction type corresponds to 2 preset transaction operations, preset transaction operation 1 is to determine the transaction account and the deduction amount, and preset transaction operation 2 is to deduct the deduction amount from the transaction account.
[0101] S204: Determine at least one target correction operation according to the historical transaction record of at least one transaction account and at least one initial correction operation.
[0102] At least one target corrective operation may be determined in at least one initial corrective operation.
[0103] For example, assuming that there are three initial corrective operations, namely corrective operations 1-3, corrective operations 1 and corrective operations 2 may be determined as target corrective operations based on historical transaction records of at least one trading account.
[0104] The historical trading records of each trading account can be determined.
[0105] At least one target corrective operation may be determined in the following manner: based on historical transaction records of at least one transaction account, at least one initial corrective operation is verified to obtain a verification result; if the verification result is that the verification is passed, the at least one initial corrective operation is determined as at least one target corrective operation; if the verification result is that the verification is not passed, the at least one initial corrective operation is updated based on the historical transaction records to obtain at least one target corrective operation.
[0106] The verification result can be verification passed or verification failed.
[0107] For example, assuming that there are three initial correction operations, namely correction operations 1-3, and correction operations 1-3 are verified. Assuming that the verification result is verification failure, three target correction operations can be determined, namely correction operations 1-3; assuming that the verification result is verification failure, correction operations 1-3 can be updated, and two target correction operations can be determined, namely correction operation 4 and correction operation 5.
[0108] S205. Perform at least one target correction operation on at least one trading account to achieve error settlement of the target transaction.
[0109] For example, assuming that the trading account is trading account 1 and assuming that the target correction operation is to deduct the operation amount 1, the target correction operation is executed to deduct the operation amount 1 from trading account 1.
[0110] For example, assuming that the trading accounts are trading account 1 and trading account 2, and assuming that there are two target correction operations, namely correction operation 1 and correction operation 2, correction operation 1 is to deduct an amount of 1 from trading account 1, and correction operation 2 is to add an amount of 1 to trading account 2, then correction operation 1 and correction operation 2 are executed.
[0111] The transaction clearing method provided in the embodiment of the present application can determine the transaction account and transaction type based on the transaction record information of the target transaction, and can determine at least one initial correction operation based on the error description information, the transaction account and the transaction type. It can also determine the target correction operation based on the historical transaction records and execute the target correction operation, and can automatically realize error clearing of the target transaction, thereby improving the efficiency of transaction clearing.
[0112] Figure 3 A flowchart of another transaction clearing method provided in an embodiment of the present application. Figure 3 , the method may include:
[0113] S301. Determine transaction information of a target transaction.
[0114] S302: Determine at least one transaction account corresponding to the target transaction and the transaction type of the target transaction according to the transaction record information.
[0115] The execution process of S301-S302 can refer to the execution process of S201-S202, which will not be repeated here.
[0116] S303: Determine multiple preset transaction operations corresponding to the transaction type.
[0117] Different transaction types have different preset transaction operations, and multiple preset transaction operations include all operation processes of the corresponding transaction types.
[0118] For example, assuming that the transaction type is a transfer type, there are 2 preset transaction operations, namely preset transaction operation 1 and preset transaction operation 2, wherein preset transaction operation 1 can be to deduct an operation amount of 1 from transaction account 1, and preset transaction operation 2 can be to increase an operation amount of 1 from transaction account 2; assuming that the transaction type is a deduction type, the preset transaction operation is preset transaction operation 3, and preset transaction operation 3 can be to deduct an operation amount of 3 from transaction account 3.
[0119] S304: Perform semantic recognition processing on the error description information to determine semantic information corresponding to the error description information.
[0120] For example, assuming that the error description information is error description information 1, and assuming that semantic recognition processing is performed on error description information 1, semantic information 1 can be determined, and semantic information 1 can be that the ATM agent transfer fee has not been deducted.
[0121] S305: Determine at least one initial correction operation according to a plurality of preset transaction operations, semantic information, and at least one transaction account.
[0122] At least one initial correction operation may be determined from a plurality of preset transaction operations based on the semantic information and the at least one transaction account.
[0123] At least one initial correction operation may be determined in the following manner: each preset transaction operation is matched with the semantic information to determine the error probability corresponding to each preset transaction operation; a preset transaction operation whose error probability is greater than or equal to a preset threshold is determined as at least one erroneous transaction operation; and an initial correction operation corresponding to each erroneous transaction operation is determined based on the semantic information and at least one transaction account to obtain at least one initial correction operation.
[0124] For example, assuming that there are 2 transaction accounts, namely transaction account 1 and transaction account 2, assuming that the transaction type is a transfer type, assuming that there are 2 preset transaction operations, namely transaction operation 1 and transaction operation 2, assuming that the semantic information is semantic information 1, assuming that transaction operation 1 and semantic information 1 are matched, it can be determined that the error probability 1 corresponding to transaction operation 1 is 30%; assuming that transaction operation 2 and semantic information are matched, it can be determined that the error probability corresponding to transaction operation 2 is 60%, assuming that the preset threshold is 50%, then transaction operation 2 can be determined as an erroneous transaction operation, then according to semantic information 1, transaction account 1 and transaction account 2, the initial correction operation corresponding to transaction operation 2 can be determined as correction operation 1 and correction operation 2, correction operation 1 can be to determine the target account, and correction operation 2 can be to deduct money from the target account.
[0125] S306: Verify at least one initial correction operation according to the historical transaction record of at least one transaction account to obtain a verification result.
[0126] The verification result can be obtained according to the following method: determining the transaction request information corresponding to the target transaction, the transaction request information includes at least one target transaction account, a target transaction type and a target transaction amount; determining the actual transaction information according to the transaction record information, the actual transaction information includes at least one actual transaction account, an actual transaction type and an actual transaction amount; verifying at least one initial correction operation according to the transaction request information and the actual transaction information to obtain the verification result.
[0127] For example, assuming that the transaction request information 1 of the target transaction may include the target transaction accounts as transaction account 1 and transaction account 2, the target transaction type as transfer type, and the target transaction amount as transaction amount 1; assuming that the actual transaction information 1 may include the actual transaction accounts as transaction account 1 and transaction account 3, the target transaction type as transfer type, and the target transaction amount as transaction amount 1; assuming that there are 2 initial correction operations, namely correction operation 1 and correction operation 2, correction operation 1 and correction operation 2 can be verified according to the transaction request information 1 and the actual transaction information 1 to determine the verification result.
[0128] The execution process of verifying the initial correction operation can be found in the following embodiments, which will not be described in detail here.
[0129] S307: If the verification result is that the verification is passed, determine the at least one initial correction operation as at least one target correction operation.
[0130] If the verification result is that the verification is passed, it can be determined that the correction of the target transaction can be achieved through at least one initial correction operation.
[0131] For example, assuming that there are two initial correction operations, namely correction operation 1 and correction operation 2, and assuming that the verification result is verification passed, correction operation 1 and correction operation 2 can be determined as target correction operations.
[0132] S308: If the verification result is that the verification fails, then at least one initial correction operation is updated according to the historical transaction record to obtain at least one target correction operation.
[0133] If the verification result is that the verification fails, it can be determined that the correction of the target transaction cannot be achieved through the at least one initial correction operation, and the at least one initial correction operation needs to be updated.
[0134] For example, assuming that there are three initial correction operations, namely, correction operation 1, correction operation 2 and correction operation 3, assuming that correction operation 1 is the target transaction account, correction operation 2 is the withdrawal type, and correction operation 3 is the operation amount 1. assuming that according to historical transaction records, correction operation 1, correction operation 2 and correction operation are updated, it can be determined that correction operation 1, correction operation 2 and correction operation 4 are the target correction operations, and correction operation 4 is the operation amount 2.
[0135] S309: Execute at least one target correction operation on at least one transaction account to achieve error settlement of the target transaction.
[0136] The execution process of S309 can refer to the execution process of S205, which will not be described in detail here.
[0137] The transaction clearing method provided in the embodiment of the present application can determine at least one initial correction operation based on multiple preset transaction operations corresponding to the transaction type and semantic information in the error description information, and can determine at least one target correction operation in at least one initial correction operation based on historical transaction information, and perform at least one target correction operation on at least one transaction account, so as to realize automatic error clearing of target transactions and improve the efficiency of transaction clearing.
[0138] Based on the above embodiments, Figure 4 , further illustrating the execution process of determining at least one initial correction operation provided in an embodiment of the present application.
[0139] Figure 4 A schematic diagram of a process for determining an initial correction operation provided in an embodiment of the present application. Figure 4 , the method may include:
[0140] S401 , matching each preset transaction operation with the semantic information respectively to determine the error probability corresponding to each preset transaction operation.
[0141] For any preset transaction operation, the preset transaction operation can be matched with the semantic information to determine the error probability of the preset transaction operation among multiple preset probabilities.
[0142] For example, assuming that the preset transaction operation is "transferring an amount to the target account", and assuming that the semantic information is "transferring an amount of 1 from transaction account 1, and transaction account 2 not receiving the amount of 1", for example, assuming that there are 5 preset probabilities, namely preset probabilities 1-5, among which preset probability 1 is the smallest and preset probability 5 is the largest, after matching the preset transaction operation and the semantic information, it can be determined that the error probability is the preset probability 3.
[0143] S402: Determine a preset transaction operation with an error probability greater than or equal to a preset threshold as at least one erroneous transaction operation.
[0144] For example, assuming that the error probability of the preset transaction operation is 0.6, and assuming that the preset threshold is 0.5, the preset transaction operation can be determined to be an erroneous transaction operation.
[0145] S403: For any erroneous transaction operation, determine a target transaction account in at least one transaction account according to the semantic information, and determine an operation type and an operation amount corresponding to the erroneous transaction operation.
[0146] For example, assuming that the erroneous transaction operation is "transferring an amount to the target account", and assuming that the semantic information is "transferring an amount of 1 from trading account 1, and trading account 2 not receiving the amount of 1", it can be determined that the target trading account is trading account 2, the operation type is the account entry type, and the operation amount is the transfer amount 1.
[0147] S404: Generate an initial correction operation corresponding to the erroneous transaction operation according to the target transaction account, operation type and operation amount.
[0148] For example, assuming that the target trading account is trading account 2, the operation type is the deposit type, and the operation amount is the transfer amount 1, it can be determined that the initial correction operation is to transfer the transfer amount to the target trading account.
[0149] The transaction clearing method provided in the embodiment of the present application can match each preset transaction operation with semantic information respectively, determine the error probability corresponding to each preset transaction operation, determine the preset transaction operation with an error probability greater than or equal to a preset threshold as at least one erroneous transaction operation, and generate an initial correction operation corresponding to the erroneous transaction operation based on the target transaction account, operation type and operation amount, thereby improving the efficiency of transaction clearing.
[0150] Based on the above embodiments, Figure 5, further illustrating the execution process of verifying at least one initial correction operation based on the historical transaction records of at least one transaction account and obtaining the verification result provided by the embodiment of the present application.
[0151] Figure 5 A flowchart of determining the verification result provided in the embodiment of the present application. Figure 5 , the method may include:
[0152] S501: Determine transaction request information corresponding to a target transaction.
[0153] The transaction request information may include at least one target transaction account, a target transaction type, and a target transaction amount.
[0154] For example, assuming that the transaction request information is that there are 2 target transaction accounts, namely transaction account 1 and transaction account 2, the transaction type of transaction account 1 is an outgoing type, the transaction type of transaction account 2 is an incoming type, and the target transaction amount is transaction amount 1.
[0155] S502: Determine actual transaction information based on transaction record information.
[0156] The actual transaction information may include at least one actual transaction account, an actual transaction type, and an actual transaction amount.
[0157] S503: According to at least one initial correction operation, the actual transaction information is corrected to obtain intermediate transaction information.
[0158] For example, assuming that there are three initial correction operations, namely trading account 2, credit type and transaction amount 1, and assuming that the actual transaction information is that the actual trading account is trading account 1, the actual transaction type of trading account 1 is the outgoing type, and the actual transaction amount is the transaction amount 1, then the intermediate transaction information can be obtained. There are trading account 1 and trading account 2 in the intermediate transaction information, trading account 1 is the outgoing type, trading account 2 is the credit type, transaction amount 1 is transferred out of trading account 1, and transaction amount 1 is transferred into trading account 2.
[0159] S504: If the intermediate transaction information is the same as the transaction request information, determine that the verification result is passed.
[0160] For example, assuming that the intermediate transaction information is that there are two transaction accounts, namely transaction account 1 and transaction account 2, transaction account 1 is of the outgoing type, transaction account 2 is of the incoming type, the transaction amount 1 is transferred out of transaction account 1, and the transaction amount 1 is transferred into transaction account 2; assuming that the transaction request information is that there are two target transaction accounts, namely transaction account 1 and transaction account 2, the transaction type of transaction account 1 is the outgoing type, the transaction type of transaction account 2 is the incoming type, and the target transaction amount is the transaction amount 1, then the verification result is determined to be verification passed.
[0161] S505: If the intermediate transaction information is different from the transaction request information, determine that the verification result is verification failure.
[0162] For example, assuming that the intermediate transaction information is that there are transaction account 1 and transaction account 2, transaction account 1 is of the outgoing type, transaction account 2 is of the incoming type, the transaction amount 1 is transferred out of transaction account 1, and the transaction amount 1 is transferred into transaction account 2; assuming that the transaction request information is that there are 3 target transaction accounts, namely transaction account 1, transaction account 2 and transaction account 3, transaction account 1 and transaction account 2 are of the outgoing type, transaction account 3 is of the incoming type, transaction account 1 corresponds to transaction amount 1, transaction account 2 corresponds to transaction amount 2, and transaction account 3 corresponds to transaction amount 3, among which the sum of transaction amount 1 and transaction amount 2 is equal to transaction amount 3; then it can be determined that the verification result is verification failed.
[0163] The transaction clearing method provided in the embodiment of the present application can determine the actual transaction information based on the transaction record information, correct the actual transaction information based on at least one initial correction operation, obtain intermediate transaction information, compare the intermediate transaction information with the transaction request, and determine the verification result. If the verification result fails, the initial correction operation can be updated to determine the target correction operation, which can ensure that after the target correction operation, the target transaction can be cleared for errors, which can improve the accuracy of transaction clearing and the efficiency of transaction clearing.
[0164] Figure 6 This is a schematic diagram of a transaction clearing method provided in an embodiment of the present application. Figure 6 , transaction information of the target transaction can be determined, the transaction information can include transaction record information and error description information, and at least one transaction account and a transaction type of the target transaction can be determined in the transaction record information.
[0165] Multiple preset transaction operations corresponding to the transaction type can be determined, and the semantic information in the error description information can be determined through semantic recognition processing. Each preset transaction operation can be matched with the semantic information to determine at least one erroneous transaction operation, and the initial correction operation corresponding to each erroneous transaction operation can be determined based on the operation type and operation amount.
[0166] At least one initial correction operation can be verified based on historical transaction records. If the verification passes, the at least one initial correction operation is determined as at least one target correction operation. If the verification fails, the at least one initial correction operation is updated based on historical transaction records to obtain at least one target correction operation. The at least one target correction operation can be executed to achieve error settlement of the target transaction.
[0167] Figure 7 A schematic diagram of the structure of a transaction clearing device provided in an embodiment of the present application. Figure 7 The transaction clearing device 10 may include a first determination module 11, a second determination module 12, a third determination module 13, a fourth determination module 14 and an execution module 15:
[0168] The first determination module 11 is used to determine the transaction information of the target transaction, where the target transaction is a transaction with an execution error, and the transaction information includes transaction record information and error description information;
[0169] The second determination module 12 is used to determine at least one transaction account corresponding to the target transaction and the transaction type of the target transaction according to the transaction record information;
[0170] The third determination module 13 is used to determine at least one initial correction operation of the target transaction according to the error description information, the transaction type and at least one transaction account, where the initial correction operation includes: the target transaction account, the operation type and the operation amount;
[0171] The fourth determination module 14 is used to determine at least one target correction operation according to the historical transaction record of at least one transaction account and at least one initial correction operation;
[0172] The execution module 15 is used to execute at least one target correction operation on at least one trading account to achieve error settlement of the target transaction.
[0173] The transaction clearing device provided in the embodiment of the present application can execute the technical solution shown in the above method embodiment, and its implementation principle and beneficial effects are similar, which will not be repeated here.
[0174] In a possible implementation manner, the third determining module 13 is specifically configured to:
[0175] Determine multiple preset trading operations corresponding to the transaction type;
[0176] Performing semantic recognition processing on the error description information to determine semantic information corresponding to the error description information;
[0177] At least one initial corrective operation is determined based on a plurality of preset transaction operations, semantic information, and at least one transaction account.
[0178] In a possible implementation manner, the third determining module 13 is specifically configured to:
[0179] Matching each preset transaction operation with the semantic information respectively to determine the error probability corresponding to each preset transaction operation;
[0180] Determine a preset transaction operation whose error probability is greater than or equal to a preset threshold as at least one erroneous transaction operation;
[0181] An initial correction operation corresponding to each erroneous transaction operation is determined according to the semantic information and at least one transaction account, to obtain at least one initial correction operation.
[0182] In a possible implementation manner, for any erroneous transaction operation, the third determination module 13 is specifically configured to:
[0183] Determine, according to the semantic information, a target transaction account in at least one transaction account, and determine an operation type and an operation amount corresponding to the erroneous transaction operation;
[0184] Generates initial corrective actions corresponding to erroneous trading operations based on the target trading account, operation type and operation amount.
[0185] In a possible implementation manner, the fourth determination module 14 has a function of:
[0186] Verify at least one initial correction operation according to the historical transaction record of at least one transaction account to obtain a verification result, where the verification result is verification passed or verification failed;
[0187] If the verification result is that the verification is passed, determining at least one initial correction operation as at least one target correction operation;
[0188] If the verification result is that the verification fails, at least one initial correction operation is updated according to the historical transaction record to obtain at least one target correction operation.
[0189] In a possible implementation manner, the fourth determination module 14 has a function of:
[0190] Determine transaction request information corresponding to the target transaction, where the transaction request information includes at least one target transaction account, a target transaction type, and a target transaction amount;
[0191] Determine actual transaction information according to the transaction record information, where the actual transaction information includes at least one actual transaction account, an actual transaction type, and an actual transaction amount;
[0192] At least one initial correction operation is verified according to the transaction request information and the actual transaction information to obtain a verification result.
[0193] In a possible implementation manner, the fourth determination module 14 has a function of:
[0194] Correcting the actual transaction information according to at least one initial correction operation to obtain intermediate transaction information;
[0195] If the intermediate transaction information is the same as the transaction request information, the verification result is determined to be passed;
[0196] If the intermediate transaction information is different from the transaction request information, the verification result is determined to be verification failure.
[0197] The transaction clearing device provided in the embodiment of the present application can execute the technical solution shown in the above method embodiment, and its implementation principle and beneficial effects are similar, which will not be repeated here.
[0198] Figure 8 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. Figure 8 The electronic device 20 may include a processor 21 and a memory 22. Exemplarily, the processor 21 and the memory 22 are interconnected via a bus 23.
[0199] The memory 22 stores computer executable instructions;
[0200] The processor 21 executes the computer execution instructions stored in the memory 22, so that the processor 21 executes the transaction settlement method shown in the above method embodiment.
[0201] Accordingly, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the transaction settlement method of the above method embodiment.
[0202] Accordingly, an embodiment of the present application may also provide a computer program product, including a computer program, which, when executed by a processor, can implement the transaction clearing method shown in the above method embodiment.
[0203] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.
[0204] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks 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.
[0205] 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.
[0206] 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.
[0207] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.
[0208] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.
[0209] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.
[0210] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.
[0211] The above are only embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included within the scope of the claims of the present application.
Claims
1. A transaction clearing method, characterized in that: include: Determining transaction information of a target transaction, wherein the target transaction is a transaction with an execution error, and the transaction information includes transaction record information and error description information; Determining, according to the transaction record information, at least one transaction account corresponding to the target transaction and a transaction type of the target transaction; Determine at least one initial correction operation of the target transaction according to the error description information, the transaction type and the at least one transaction account, wherein the initial correction operation includes: a target transaction account, an operation type and an operation amount; Determining at least one target corrective operation based on the historical transaction record of the at least one transaction account and the at least one initial corrective operation; The at least one target correction operation is performed on the at least one transaction account to achieve error settlement of the target transaction.
2. The method according to claim 1, characterized in that Determining at least one initial corrective operation of the target transaction according to the error description information, the transaction type, and the at least one transaction account, including: Determining a plurality of preset transaction operations corresponding to the transaction type; Performing semantic recognition processing on the error description information to determine semantic information corresponding to the error description information; The at least one initial correction operation is determined according to the plurality of preset transaction operations, the semantic information and the at least one transaction account.
3. The method according to claim 2, characterized in that Determining the at least one initial correction operation according to the plurality of preset transaction operations, the semantic information and the at least one transaction account includes: Matching each preset transaction operation with the semantic information respectively to determine the error probability corresponding to each preset transaction operation; Determine a preset transaction operation whose error probability is greater than or equal to a preset threshold as at least one erroneous transaction operation; An initial correction operation corresponding to each erroneous transaction operation is determined according to the semantic information and the at least one transaction account to obtain the at least one initial correction operation.
4. The method according to claim 3, characterized in that: For any erroneous trading operation; Determining, according to the semantic information and the at least one transaction account, an initial correction operation corresponding to the erroneous transaction operation, including: Determining a target transaction account from the at least one transaction account according to the semantic information, and determining an operation type and an operation amount corresponding to the erroneous transaction operation; An initial correction operation corresponding to the erroneous transaction operation is generated according to the target transaction account, the operation type and the operation amount.
5. The method according to any one of claims 1 to 4, characterized in that: Determining at least one target corrective operation according to the historical transaction record of the at least one transaction account and the at least one initial corrective operation includes: According to the historical transaction record of the at least one transaction account, verify the at least one initial correction operation to obtain a verification result, wherein the verification result is verification passed or verification failed; If the verification result is that the verification is passed, determining the at least one initial correction operation as the at least one target correction operation; If the verification result is that the verification fails, then the at least one initial correction operation is updated according to the historical transaction record to obtain the at least one target correction operation.
6. The method according to claim 5, characterized in that According to the historical transaction record of the at least one transaction account, the at least one initial correction operation is verified to obtain a verification result, including: Determining transaction request information corresponding to the target transaction, the transaction request information including the at least one target transaction account, the target transaction type, and the target transaction amount; Determining actual transaction information according to the transaction record information, wherein the actual transaction information includes at least one actual transaction account, an actual transaction type, and an actual transaction amount; The at least one initial correction operation is verified according to the transaction request information and the actual transaction information to obtain the verification result.
7. The method according to claim 6, characterized in that According to the transaction request information and the actual transaction information, the at least one initial correction operation is verified to obtain the verification result, including: According to the at least one initial correction operation, the actual transaction information is corrected to obtain intermediate transaction information; If the intermediate transaction information is the same as the transaction request information, determining that the verification result is the verification passed; If the intermediate transaction information is different from the transaction request information, the verification result is determined to be that the verification has failed.
8. A transaction clearing device, characterized in that: It includes a first determining module, a second determining module, a third determining module, a fourth determining module and an execution module: The first determination module is used to determine transaction information of a target transaction, where the target transaction is a transaction with an execution error, and the transaction information includes transaction record information and error description information; The second determination module is used to determine at least one transaction account corresponding to the target transaction and a transaction type of the target transaction according to the transaction record information; The third determination module is used to determine at least one initial correction operation of the target transaction according to the error description information, the transaction type and the at least one transaction account, wherein the initial correction operation includes: a target transaction account, an operation type and an operation amount; The fourth determination module is used to determine at least one target correction operation according to the historical transaction record of the at least one transaction account and the at least one initial correction operation; The execution module is used to execute the at least one target correction operation on the at least one transaction account to achieve error settlement of the target transaction.
9. An electronic device, characterized in that: include: Memory and processor, The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the transaction clearing method according to any one of claims 1 to 7.
10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the transaction clearing method described in any one of claims 1 to 7.