Transaction processing method and device, electronic equipment and storage medium

Abstract

The invention discloses a transaction processing method and device, electronic equipment and a storage medium, and the method comprises the steps: generating a checking card slot in response to a transaction checking request sent by a second system, and enabling the checking card slot to serve as an account checking instance; in response to transaction details sent by the first system, account checking information in the second system and the first system is inserted into the checking card slot; according to the checking result of the checking card slot, a corresponding processing flow is executed, the first system serves as a checking reference system, and the second system serves as a to-be-checked system. According to the invention, the transaction checking timeliness is improved on one hand, and the transaction checking efficiency is improved on the other hand, and the number of checking participants is not limited.

Description

Technical Field

[0001] The present application relates to the technical field of transaction reconciliation, and in particular to a transaction processing method, device, electronic device, and storage medium. Background Art

[0002] Under a distributed architecture, a complete transaction needs to be processed interactively across multiple systems. During the cross-system processing and transmission of the same transaction, processing errors and message loss may occur due to software and hardware failures, network jitter, etc., leading to accounting errors and other problems.

[0003] In addition to ensuring the success of transactions between multiple systems through mechanisms such as SAF, final verification is also required to ensure the final consistency of transactions, especially transactions involving accounts, such as transfers and remittances. Summary of the invention

[0004] The embodiments of the present application provide a transaction processing method, device, electronic device, and storage medium to improve the timeliness of transaction verification and ensure consistency.

[0005] The present application embodiment adopts the following technical solutions:

[0006] In a first aspect, an embodiment of the present application provides a transaction processing method, which is applied to a transaction checking server, and the method includes:

[0007] In response to the transaction verification request sent by the second system, generating a verification card slot, wherein the verification card slot is used as a reconciliation instance;

[0008] In response to the transaction details sent by the first system, inserting the reconciliation information in the second system and the first system into the verification card slot;

[0009] According to the verification result of the verification card slot, a corresponding processing flow is executed, the first system is used as a verification reference system, and the second system is used as a system to be verified.

[0010] In some embodiments, the corresponding processing flow is executed according to the verification result of the verification card slot, the first system is used as the verification reference system, and the second system is used as the system to be verified, including:

[0011] If the result of checking the card slot is that the card slot is fully inserted without error, executing the corresponding mark reconciliation processing;

[0012] If the result of checking the card slot is that the card slot is full and there is an error, performing corresponding registration error processing;

[0013] If the verification result of the verification card slot is that the card slot is full and no reconciliation information is received within a preset period, executing a corresponding query request process;

[0014] If the result of checking the card slot is that the card slot is not full and the waiting time has expired, the corresponding registration exception processing is performed.

[0015] In some embodiments, the corresponding processing flow is executed according to the verification result of the verification card slot, the first system is used as the verification reference system, and the second system is used as the system to be verified, including:

[0016] If all the verification details in the system to be verified and the verification reference system are received and the verification is completed without error, the transaction is confirmed to be correct;

[0017] If all the verification details of the system to be verified and the verification reference system are received and the verification is completed, and any abnormality occurs in any slot of the verification card slot, an error is recorded;

[0018] If all the verification details of the system to be verified and the verification reference system are not received, an exception is recorded.

[0019] In some embodiments, in response to the transaction verification request sent by the second system, generating a verification card slot, wherein the verification card slot is used as a reconciliation instance template, includes:

[0020] According to the transaction participants of the first system and the second system in the transaction chain, a verification slot template is set as a preset transaction reconciliation template;

[0021] In response to receiving the verification details sent by any one of the transaction participants, querying the applicable verification slot model according to the extracted transaction code;

[0022] According to the verification slot model, a verification card slot corresponding to the verification instance of the current transaction is generated, and the verification card slot includes multiple verification slots, and the verification slot includes at least one of the following: participating system, amount, and accounting direction.

[0023] In some embodiments, the method further comprises:

[0024] Setting a waiting period and a dead letter period for the checking slot mold;

[0025] For any verification instance, if the verification details sent by the participant are still not received at the end of the waiting period, a query request is actively initiated, and queries are initiated again at increasing time periods until the verification details are received;

[0026] For the same verification instance, if the transaction is still not verified, the exception is recorded and handled.

[0027] In some embodiments, the checking result of the card slot includes:

[0028] Determine the direction of increase or decrease of the reconciliation amount according to the accounting direction slot in the verification card slot;

[0029] The verification result of the verification card slot is obtained by sequentially polling the increase or decrease direction of the reconciliation amount of the first system and the increase or decrease direction of the reconciliation amount of the second system.

[0030] In some embodiments, the method further comprises:

[0031] According to the errors found in the verification result of the verification card slot, the second system is adjusted by comparing the state of the first system according to the preset reconciliation rules;

[0032] If the card slot is not fully filled according to the verification result of the verification card slot, an inquiry is initiated to reissue the reconciliation information after waiting for the verification message until the waiting period ends;

[0033] If no reconciliation message is received until the dead letter cycle ends according to the verification result of the verification card slot, a mandatory adjustment is initiated for abnormal transactions that meet the preset rules according to the preset rules and with reference to the first system;

[0034] Abnormal transactions that do not comply with preset rules or transactions that fail automatic adjustment will be handled manually.

[0035] In a second aspect, an embodiment of the present application further provides a transaction processing device, which is applied to a transaction checking server, and the device includes:

[0036] A first processing module, configured to generate a verification card slot in response to a transaction verification request sent by the second system, wherein the verification card slot is used as a reconciliation instance;

[0037] A second processing module, configured to insert the reconciliation information in the second system and the first system into the verification card slot in response to the transaction details sent by the first system;

[0038] The execution module executes a corresponding processing flow according to the verification result of the verification card slot, wherein the first system is used as a verification reference system and the second system is used as a system to be verified.

[0039] In a third aspect, an embodiment of the present application further provides an electronic device, comprising: a processor; and a memory arranged to store computer executable instructions, wherein the executable instructions, when executed, cause the processor to perform the above method.

[0040] In a fourth aspect, an embodiment of the present application further provides a computer-readable storage medium, which stores one or more programs. When the one or more programs are executed by an electronic device including multiple application programs, the electronic device executes the above method.

[0041] At least one of the above technical solutions adopted in the embodiment of the present application can achieve the following beneficial effects: in response to the transaction verification request sent by the second system, a verification card slot is generated, and in response to the transaction details sent by the first system, the reconciliation information in the second system and the first system is inserted into the verification card slot. In this way, the corresponding processing flow can be executed according to the verification result of the verification card slot. Through the above method, not only the timeliness of transaction verification is improved, but also the unfinished verification is actively queried, and automatic and forced adjustments are made according to the rules, minimizing manual processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0043] Figure 1 This is a schematic diagram of the architecture of the transaction processing method in the embodiment of the present application;

[0044] Figure 2 A flowchart of a transaction processing method in an embodiment of the present application;

[0045] Figure 3 A schematic diagram of checking the slot mold in the transaction processing method in an embodiment of the present application;

[0046] Figure 4 A schematic diagram of checking a card slot in a transaction processing method in an embodiment of the present application;

[0047] Figure 5 This is one of the schematic diagrams of a reconciliation example of a transaction processing method in an embodiment of the present application;

[0048] Figure 6 This is a second schematic diagram of an account reconciliation example of a transaction processing method in an embodiment of the present application;

[0049] Figure 7 This is a third schematic diagram of an account reconciliation example of a transaction processing method in an embodiment of the present application;

[0050] Figure 8 A schematic diagram of the implementation principle of the transaction processing method in the embodiment of the present application;

[0051] Fig. 9 A schematic diagram of the timing interaction of the transaction processing method in an embodiment of the present application;

[0052] Fig.10 This is a schematic diagram of the structure of a transaction processing device in an embodiment of the present application;

[0053] Fig.11 This is a schematic diagram of the structure of an electronic device in an embodiment of the present application. DETAILED DESCRIPTION

[0054] In order to make the purpose, technical solution and advantages of the present application clearer, the technical solution of the present application will be clearly and completely described below in combination with the specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present application.

[0055] In the process of processing and transmitting the same transaction across systems, the existing verification mechanism and processing technology mostly adopts the transaction participants to send the transaction details reconciliation files containing the transaction unique identification number in batches at an agreed time. In this way, after receiving the file, the file is checked and pre-processed. After meeting the set format and integrity requirements, the big data technology is used to compare the transactions item by item according to the verification link determined by the transaction link. However, there are the following problems in the relevant technology:

[0056] (1) Poor timeliness. It takes time to accumulate and generate reconciliation documents, send and receive reconciliation documents, check each item, and make subsequent adjustments. At the same time, it takes a long time to identify errors after the transaction is completed.

[0057] (2) Resource waste: During the waiting period, computing resources are idle, wasting computing power.

[0058] (3) Passive verification, lack of active inquiry and confirmation.

[0059] (4) Low efficiency. When the system is waiting to receive files, it is usually idle, wasting computing resources. Using RPA to simulate manual verification is less efficient than directly verifying transaction data.

[0060] (5) The number of verification participants is limited, and most verifications are between two parties, lacking support for multi-party verification.

[0061] In response to the above-mentioned deficiencies, a transaction processing method is provided in an embodiment of the present application. After receiving the transaction verification details (reconciliation flow message or file) of any link in the distributed system, the corresponding verification slot module will be queried according to the transaction code to generate the verification card slot of the transaction, and the integrity link of the transaction will be pre-set. After receiving the transaction verification details of other links, the corresponding card slot will be inserted according to the system code, and the direction of data increase or decrease will be confirmed, so as to identify errors in time and facilitate subsequent adjustment and processing.

[0062] The technical solutions provided by various embodiments of the present application are described in detail below in conjunction with the accompanying drawings.

[0063] like Figure 1 As shown in the figure, a typical multi-system / cross-system scenario under a distributed architecture is given. When a transaction such as a transfer or remittance occurs, the transaction reconciliation needs to be completed in the reconciliation system. Usually, the reconciliation system will receive reconciliation (transaction) files transmitted by multiple systems and perform transaction reconciliation in the reconciliation system. It can be understood that the reconciliation system is usually deployed on the server side to respond to related reconciliation requests.

[0064] The present application embodiment provides a transaction processing method, such as Figure 2 As shown, a flow chart of a transaction processing method in an embodiment of the present application is provided, and the method at least includes the following steps S210 to S240:

[0065] Step S210, in response to the transaction verification request sent by the second system, generating a verification card slot, wherein the verification card slot is used as a reconciliation instance.

[0066] The second system generally refers to any system in the entire transaction chain that needs to perform transaction verification, which may include one or more systems. Transaction verification requests are usually asynchronous requests. The transaction verification server generates a verification card slot after selecting a verification slot model based on the transaction verification request sent by the second system.

[0067] It can be understood that the verification card slot corresponds to a specific reconciliation instance, and the verification slot template serves as a unified reconciliation instance template for multiple reconciliation instances.

[0068] Step S220, in response to the transaction details sent by the first system, inserting the reconciliation information in the second system and the first system into the verification card slot.

[0069] The first system generally refers to the only (core) system that is considered to be the basis for transaction verification and needs to be verified. That is to say, the first system can be determined by consensus in the entire transaction chain, and the transaction details in the second system are verified based on the first system.

[0070] It can be understood that the reconciliation information includes but is not limited to the reconciliation information or reconciliation file sent by the second system, and the reconciliation letter message sent by the first system.

[0071] Step S230, executing a corresponding processing flow according to the verification result of the verification card slot, wherein the first system is used as a verification reference system and the second system is used as a system to be verified.

[0072] By checking the verification results of each slot in the card slot, the corresponding transaction processing flow is executed. Considering that the verification results may include multiple situations, there is a corresponding processing flow for each situation.

[0073] It is understood that the system to be checked includes at least one system and may include multiple systems. There is no corresponding relationship between the checking reference system and the system to be checked, and it is usually necessary to check the systems of all transaction parties involved in the entire transaction chain.

[0074] Through the above method, in response to the transaction verification request sent by the second system, a verification card slot is generated, and in response to the transaction details sent by the first system, the reconciliation information in the second system and the first system is inserted into the verification card slot. The new transaction verification mechanism based on the verification card slot can significantly improve the timeliness of transaction verification, reduce customer complaints, and improve customer experience. It improves the timeliness of response and reduces resource waste.

[0075] Through the above method, the corresponding processing flow is executed according to the verification result of the verification card slot. The verification details are inserted into the card slot for verification, and the unfinished verification is actively queried. Automatic and forced adjustments are made according to the rules to minimize manual processing.

[0076] Through the above method, in response to the transaction verification request sent by the second system, a verification card slot is generated, and the verification card slot is used as a reconciliation instance. The entire transaction reconciliation process is fully configurable, so it can be applied to transaction reconciliation in various complex scenarios.

[0077] Different from the related technologies, the batch centralized verification method is adopted. The verification method through the above method is more flexible and more timely, and the verification can be initiated quickly after the transaction is completed. Errors can be discovered and adjusted in time to reduce customer complaints.

[0078] Different from the related art, there is no limit on the number of verification participants. Through the above method, a variety of abnormal scenarios can be handled, reducing the requirement of developing a variety of auxiliary processing functions to deal with different abnormal scenarios when developing application systems.

[0079] In one embodiment of the present application, according to the verification result of the verification card slot, the corresponding processing flow is executed, the first system serves as the verification reference system, and the second system serves as the system to be verified, including: if the verification result of the verification card slot is that the card slot is full and there is no error, then the corresponding marking reconciliation processing is executed; if the verification result of the verification card slot is that the card slot is full and there is an error, then the corresponding registration error processing is executed; if the verification result of the verification card slot is that the card slot is full and no reconciliation information is received within a preset period, then the corresponding query request processing is executed; if the verification result of the verification card slot is that the card slot is not full and the waiting time has expired, then the corresponding registration exception processing is executed.

[0080] The verification card slot is a corresponding transaction verification instance generated based on the verification slot model. In the verification card slot, each verification slot can define the transaction details to be verified on demand, and can support multi-party verification. If the card slots in the verification card slot are full, it is considered a sign that the verification is completed.

[0081] Furthermore, if the verification result of the verification card slot is that the card slot is full and there is no error, the corresponding mark reconciliation processing is executed at this time (the transaction verification is completed and the verification result is correct), and the current transaction verification is considered to be completed. If the verification result of the verification card slot is that the card slot is full and there is an error, the corresponding registration error processing is executed at this time (the transaction verification is completed but there is an error in the verification result), and the current transaction verification is considered to be completed. If the verification result of the verification card slot is that the card slot is full and no reconciliation information is received within the preset period, the corresponding query request processing is executed at this time (the transaction verification is completed and it is found that some reconciliation information is missing), and the current transaction verification is considered to be not completed. If the verification result of the verification card slot is that the card slot is not full and the waiting time is exceeded, the corresponding registration exception processing is executed at this time (the transaction verification cannot be completed, for example, there is a software or hardware failure, network jitter, etc., which leads to the loss of processing error messages, resulting in accounting errors), and the current transaction verification cannot be completed.

[0082] In one embodiment of the present application, according to the verification result of the verification card slot, the corresponding processing flow is executed, the first system serves as the verification reference system, and the second system serves as the system to be verified, including: if all the verification details in the system to be verified and the verification reference system are received and the verification is completed without error, the transaction is correctly confirmed; if all the verification details in the system to be verified and the verification reference system are received and the verification is completed, and an abnormality occurs in any slot in the verification card slot, the error is recorded; if all the verification details in the system to be verified and the verification reference system are not received, the abnormality is recorded.

[0083] In the transaction verification server, if all verification details in the received system to be verified and the verification reference system are verified and there are no errors, it is considered that the transaction is correctly confirmed.

[0084] In the transaction verification server, if all verification details of the system to be verified and the verification reference system are received and the verification is completed, any abnormality occurs in any slot of the verification card slot. For errors found after the verification is completed, the error party is adjusted according to the rules to compare the status of the reference participant. Figure 5 shown.

[0085] In the transaction verification server, if all the verification details of the system to be verified and the verification benchmark system are not received, an exception is recorded. One case is: in the case of missing verification details of some participants, the exception is registered. For exceptions that meet the set rules, the status of the benchmark participants is compared and forced adjustments are initiated. For those that do not meet the rules, manual intervention is required. Another case is: in the case of not receiving the reconciliation details of the transaction participants, the verification system initiates an active query after the waiting period and inserts the returned reconciliation details into the card slot. Figure 7 shown.

[0086] In one embodiment of the present application, in response to a transaction verification request sent by the second system, a verification slot is generated, and the verification slot is used as a reconciliation instance template, including: according to the transaction participants of the first system and the second system in the transaction chain, a verification slot template is set as a preset transaction reconciliation template; in response to receiving the verification details sent by any one of the transaction participants, the applicable verification slot template is queried according to the extracted transaction code; according to the verification slot template, a verification slot corresponding to the verification instance of the current transaction is generated, and the verification slot includes multiple verification slots, and the verification slot includes at least one of the following: participating system, amount, and accounting direction.

[0087] like Figure 4 As shown, after receiving the verification details sent by one of the transaction participants, a verification card slot is generated. After receiving the verification details sent by any of the transaction participants, the transaction code is extracted, and the applicable verification slot mold is queried according to the transaction code. A verification instance is generated according to the slot mold format to obtain the verification card slot.

[0088] It should be noted that there can be multiple participating systems as transaction participants, and the corresponding reconciliation mode can be selected to generate the corresponding reconciliation slot model.

[0089] like Figure 3 As shown, define the verification slot model. According to the transaction participants in the transaction chain, set the verification slot model as a pre-made transaction reconciliation template to generate a verification card slot corresponding to a transaction reconciliation instance. Each verification slot in the card slot can be defined as the transaction details to be reconciled on demand. Figure 3 As shown, in each slot, including but not limited to the participating system, amount, accounting direction + / -.

[0090] In one embodiment of the present application, the method also includes: setting a waiting period and a dead letter period for the verification slot module; for any verification instance, if the verification details sent by the participating party are still not received at the end of the waiting period, actively initiating a query request, and initiating the query again at an increasing time period until the verification details are received; for the same verification instance, if the transaction has not yet completed the verification, the exception is recorded and handled.

[0091] like Figure 3 As shown, in order to ensure the timeliness of transactions, the slot module sets the waiting cycle and the dead letter cycle. For a verification instance, if the verification details sent by the participant have not been received at the end of the waiting cycle, a query request will be initiated actively, and the query will be initiated again in incrementing time cycles until it is received. If the transaction is still not aligned at the dead letter cycle, an exception will be registered and handled.

[0092] It can be understood that the waiting period is a time period adopted by the transaction checking server to improve the timeliness of the transaction, and the waiting period can be increased according to actual needs.

[0093] It can be understood that the dead letter cycle refers to the situation in the message queue system where, when messages cannot be consumed normally for some reason, these messages will enter a special processing flow, which is called the dead letter cycle. The dead letter cycle is introduced mainly to register and handle the situation where the transaction is still not aligned after the active request for transaction information is obtained.

[0094] In one embodiment of the present application, the verification result of the verification card slot includes: determining the increase or decrease direction of the reconciliation amount according to the accounting direction slot in the verification card slot; and obtaining the verification result of the verification card slot by sequentially polling the increase or decrease direction of the reconciliation amount of the first system and the increase or decrease direction of the reconciliation amount of the second system.

[0095] like Figure 6 As shown, based on the increase or decrease direction of the reconciliation amount, it is determined whether the flow direction of the reconciliation amount in the first system and the second system is consistent. If they are inconsistent, it is considered that an abnormality occurs. Since the second system may include multiple systems, the increase or decrease direction of the reconciliation amount of the first system and the increase or decrease direction of the reconciliation amount of the second system are polled in sequence.

[0096] In one embodiment of the present application, the method also includes: adjusting the second system by comparing the state of the first system according to preset reconciliation rules based on errors found in the verification results of the verification card slot; initiating an inquiry to reissue the reconciliation information after waiting for the verification message until the waiting period ends if the card slot is not fully filled based on the verification result of the verification card slot; initiating forced adjustment of abnormal transactions that meet the preset rules according to the preset rules with reference to the first system based on the preset rules if no reconciliation message is received after waiting until the dead letter period ends if the verification result of the verification card slot; and manually handling abnormal transactions that do not meet the preset rules or transactions that fail to be automatically adjusted.

[0097] The transaction verification server completes the reconciliation by parsing the verification message and inserting the verification card slot. If the verification error is registered, an automatic adjustment or manual adjustment is initiated. If the card slot is not fully inserted, wait for the verification message until the waiting period ends, initiate an inquiry, query and confirm the system transaction details that have not received the verification message, reissue the verification information, parse the verification message again and insert the verification card slot to complete the reconciliation. If the verification message is still not received after waiting until the dead letter cycle ends, for abnormal transactions that meet the established rules, a mandatory adjustment is initiated according to the rule reference benchmark system. Transactions outside the established rules or that fail to be adjusted automatically are handled by manual intervention.

[0098] In order to better understand the implementation principle of the embodiments of the present application, Figure 8 As shown, it mainly involves system A (verification benchmark), system B, and system N as participating transaction parties, and the verification system is mainly executed on the transaction verification server. In addition, it also includes manual intervention by the administrator.

[0099] The specific steps include:

[0100] System B, sends a verification message or file.

[0101] System A, sends a verification message or file.

[0102] The verification system generates a verification card slot based on the verification slot model. The verification system inserts the corresponding slot update card slot according to the verification message or file sent by system A and the verification message or file sent by system B. The verification card slot is verified after it is generated.

[0103] Check whether the card slot is fully inserted and complete the reconciliation. If it is and there is no difference, mark the reconciliation complete.

[0104] If there is an error, the error will be recorded and an error register will be generated for error adjustment.

[0105] If the error adjustment fails, the user can submit a manual adjustment to the administrator.

[0106] If not and the waiting period is over, then initiate an online query and periodically initiate, then query and return. If successful and a verification message is returned, insert the corresponding slot to update the card slot. If there is no response or the query fails, initiate an online query again.

[0107] Determine whether the dead letter time has been reached. If not, initiate an online inquiry. If it is a registration exception, update it to the exception register. In the exception register, determine whether the set rules are met. If so, turn it into a manual group establishment. If not, automatically process and force adjustment. If the forced adjustment fails, initiate manual processing to the administrator.

[0108] In order to better understand the timing sequence in the embodiments of the present application, Fig. 9As shown, it mainly involves system A (verification benchmark), system B, and system N as participating transaction parties, and the verification system is mainly executed on the transaction verification server. In addition, it also includes manual intervention by the administrator.

[0109] The specific steps include:

[0110] Step 1: Any transaction participant system sends a reconciliation message or file to the verification system.

[0111] Step 2: After the verification system receives the message or parses the file, it searches for the corresponding reconciliation slot module according to the transaction code and generates a reconciliation slot that is consistent with the reconciliation message serial number.

[0112] Step 3: Receive verification messages or documents sent by other transaction participants’ systems.

[0113] Step 4: Parse the reconciliation message and insert the reconciliation card slot to complete the reconciliation.

[0114] Step 5: Register the errors found and initiate automatic or manual adjustments.

[0115] Step 6: If the card slot is not fully inserted, wait for the verification message until the waiting period ends.

[0116] Step 7: Initiate an inquiry to check the transaction details of the system that has not received the verification message and reissue the verification information. Specifically include: 7.1, successful response and reissue, 7.2, failed response or no response.

[0117] Step 8: Parse the reconciliation message and insert the reconciliation card slot to complete the reconciliation.

[0118] Step 9: Wait until the dead letter cycle ends, but still no verification message is received.

[0119] Step 10: For abnormal transactions that comply with established rules, mandatory adjustments are initiated based on the rules and reference benchmark system.

[0120] Step 11: Transactions outside the established rules or that fail to be automatically adjusted will be handled by manual intervention.

[0121] The present application embodiment also provides a transaction processing device 1000, such as Fig.10 As shown, a schematic diagram of the structure of a transaction processing device in an embodiment of the present application is provided, wherein the transaction processing device 1000 at least includes: a first processing module 1010, a second processing module 1020, and an execution module 1030, wherein:

[0122] In one embodiment of the present application, the first processing module 1010 is specifically used to: generate a verification card slot in response to a transaction verification request sent by the second system, and the verification card slot is used as a reconciliation instance.

[0123] The second system generally refers to any system in the entire transaction chain that needs to perform transaction verification, which may include one or more systems. Transaction verification requests are usually asynchronous requests. The transaction verification server generates a verification card slot after selecting a verification slot model based on the transaction verification request sent by the second system.

[0124] It can be understood that the verification card slot corresponds to a specific reconciliation instance, and the verification slot template serves as a unified reconciliation instance template for multiple reconciliation instances.

[0125] In one embodiment of the present application, the second processing module 1020 is specifically used to: in response to the transaction details sent by the first system, insert the reconciliation information in the second system and the first system into the verification card slot.

[0126] The first system generally refers to the only (core) system that is considered to be the basis for transaction verification and needs to be verified. That is to say, the first system can be determined by consensus in the entire transaction chain, and the transaction details in the second system are verified based on the first system.

[0127] It can be understood that the reconciliation information includes but is not limited to the reconciliation information or reconciliation file sent by the second system, and the reconciliation letter message sent by the first system.

[0128] In one embodiment of the present application, the execution module 1030 is specifically used to: execute a corresponding processing flow according to a verification result of the verification card slot, with the first system serving as a verification reference system and the second system serving as a system to be verified.

[0129] By checking the verification results of each slot in the card slot, the corresponding transaction processing flow is executed. Considering that the verification results may include multiple situations, there is a corresponding processing flow for each situation.

[0130] It is understood that the system to be checked includes at least one system and may include multiple systems. There is no corresponding relationship between the checking reference system and the system to be checked, and it is usually necessary to check the systems of all transaction parties involved in the entire transaction chain.

[0131] In one embodiment of the present application, the execution module 1030 is also used to

[0132] If the result of checking the card slot is that the card slot is fully inserted without error, executing the corresponding mark reconciliation processing;

[0133] If the result of checking the card slot is that the card slot is full and there is an error, performing corresponding registration error processing;

[0134] If the verification result of the verification card slot is that the card slot is full and no reconciliation information is received within a preset period, executing a corresponding query request process;

[0135] If the result of checking the card slot is that the card slot is not full and the waiting time has expired, the corresponding registration exception processing is performed.

[0136] In one embodiment of the present application, the execution module 1030 is also used to

[0137] If all the verification details in the system to be verified and the verification reference system are received and the verification is completed without error, the transaction is confirmed to be correct;

[0138] If all the verification details of the system to be verified and the verification reference system are received and the verification is completed, and any abnormality occurs in any slot of the verification card slot, an error is recorded;

[0139] If all the verification details of the system to be verified and the verification reference system are not received, an exception is recorded.

[0140] In one embodiment of the present application, the first processing module 1010 is further used to

[0141] According to the transaction participants of the first system and the second system in the transaction chain, a verification slot template is set as a preset transaction reconciliation template;

[0142] In response to receiving the verification details sent by any one of the transaction participants, querying the applicable verification slot model according to the extracted transaction code;

[0143] According to the verification slot model, a verification card slot corresponding to the verification instance of the current transaction is generated, and the verification card slot includes multiple verification slots, and the verification slot includes at least one of the following: participating system, amount, and accounting direction.

[0144] In one embodiment of the present application, a bottom-up module is also included for

[0145] Setting a waiting period and a dead letter period for the checking slot mold;

[0146] For any verification instance, if the verification details sent by the participant are still not received at the end of the waiting period, a query request is actively initiated, and queries are initiated again at increasing time periods until the verification details are received;

[0147] For the same verification instance, if the transaction is still not verified, the exception is recorded and handled.

[0148] In one embodiment of the present application, the execution module 1030 is also used to

[0149] Determine the direction of increase or decrease of the reconciliation amount according to the accounting direction slot in the verification card slot;

[0150] The verification result of the verification card slot is obtained by sequentially polling the increase or decrease direction of the reconciliation amount of the first system and the increase or decrease direction of the reconciliation amount of the second system.

[0151] In one embodiment of the present application, it also includes: a processing flow module for

[0152] According to the errors found in the verification results of the verification card slot, the state of the first system is compared with the preset reconciliation rules to adjust the second system; according to the verification results of the verification card slot, if the card slot is not full, an inquiry is initiated to reissue the reconciliation information after waiting for the verification message until the waiting period ends; according to the verification results of the verification card slot, if no reconciliation message is received after waiting until the dead letter period ends, a forced adjustment is initiated for abnormal transactions that meet the preset rules with reference to the first system according to the preset rules; abnormal transactions that do not meet the preset rules or transactions that fail to be automatically adjusted are handled manually.

[0153] It can be understood that the above-mentioned transaction processing device can implement the various steps of the transaction processing method provided in the aforementioned embodiments. The relevant explanations about the transaction processing method are applicable to the transaction processing device and will not be repeated here.

[0154] Fig.11 This is a schematic diagram of the structure of an electronic device according to an embodiment of the present application. Fig.11 At the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. The memory may include a memory, such as a high-speed random access memory (RAM), and may also include a non-volatile memory (non-volatile memory), such as at least one disk storage. Of course, the electronic device may also include hardware required for other services.

[0155] The processor, network interface and memory can be interconnected through an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Fig.11Only one bidirectional arrow is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0156] The memory is used to store the program. Specifically, the program may include a program code, and the program code includes a computer operation instruction. The memory may include a memory and a non-volatile memory, and provides instructions and data to the processor.

[0157] The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, forming a transaction processing device at the logical level. The processor executes the program stored in the memory and is specifically used to perform the following operations:

[0158] In response to the transaction verification request sent by the second system, generating a verification card slot, wherein the verification card slot is used as a reconciliation instance;

[0159] In response to the transaction details sent by the first system, inserting the reconciliation information in the second system and the first system into the verification card slot;

[0160] According to the verification result of the verification card slot, a corresponding processing flow is executed, the first system is used as a verification reference system, and the second system is used as a system to be verified.

[0161] The above application Figure 2The method performed by the transaction processing device disclosed in the illustrated embodiment can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by an integrated logic circuit of hardware in the processor or an instruction in the form of software. The above processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. The methods, steps and logic block diagrams disclosed in the embodiments of the present application can be implemented or executed. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in the embodiments of the present application can be directly embodied as a hardware decoding processor for execution, or a combination of hardware and software modules in the decoding processor for execution. The software module can be located in a storage medium mature in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.

[0162] The electronic device may also perform Figure 2 The method executed by the transaction processing device in Figure 2 The functions of the illustrated embodiment will not be described in detail in the embodiments of the present application.

[0163] The present application also provides a computer-readable storage medium, which stores one or more programs, wherein the one or more programs include instructions, which, when executed by an electronic device including multiple application programs, enable the electronic device to execute Figure 2 The method executed by the transaction processing device in the illustrated embodiment is specifically used to execute:

[0164] In response to the transaction verification request sent by the second system, generating a verification card slot, wherein the verification card slot is used as a reconciliation instance;

[0165] In response to the transaction details sent by the first system, inserting the reconciliation information in the second system and the first system into the verification card slot;

[0166] According to the verification result of the verification card slot, a corresponding processing flow is executed, the first system is used as a verification reference system, and the second system is used as a system to be verified.

[0167] 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.

[0168] 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.

[0169] 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.

[0170] 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.

[0171] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0172] 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.

[0173] 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 magnetic 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.

[0174] 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.

[0175] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0176] The above is only an embodiment of the present application and is 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 in the scope of the claims of the present application.

Claims

1. A transaction processing method, wherein: Applied to a transaction checking server, the method comprises: In response to the transaction verification request sent by the second system, generating a verification card slot, wherein the verification card slot is used as a reconciliation instance; In response to the transaction details sent by the first system, inserting the reconciliation information in the second system and the first system into the verification card slot; According to the verification result of the verification card slot, a corresponding processing flow is executed, the first system is used as a verification reference system, and the second system is used as a system to be verified.

2. The method of claim 1, wherein: According to the verification result of the verification card slot, a corresponding processing flow is executed, the first system is used as a verification reference system, and the second system is used as a system to be verified, including: If the result of checking the card slot is that the card slot is fully inserted without error, executing the corresponding mark reconciliation processing; If the result of checking the card slot is that the card slot is full and there is an error, performing corresponding registration error processing; If the verification result of the verification card slot is that the card slot is full and no reconciliation information is received within a preset period, executing a corresponding query request process; If the result of checking the card slot is that the card slot is not full and the waiting time has expired, the corresponding registration exception processing is performed.

3. The method of claim 2, wherein: According to the verification result of the verification card slot, a corresponding processing flow is executed, the first system is used as a verification reference system, and the second system is used as a system to be verified, including: If all the verification details in the system to be verified and the verification reference system are received and the verification is completed without error, the transaction is confirmed to be correct; If all the verification details of the system to be verified and the verification reference system are received and the verification is completed, and any abnormality occurs in any slot of the verification card slot, an error is recorded; If all the verification details of the system to be verified and the verification reference system are not received, an exception is recorded.

4. The method of claim 1, wherein: The step of generating a verification card slot in response to a transaction verification request sent by the second system, wherein the verification card slot is used as a reconciliation instance template, includes: According to the transaction participants of the first system and the second system in the transaction chain, a verification slot template is set as a preset transaction reconciliation template; In response to receiving the verification details sent by any one of the transaction participants, querying the applicable verification slot model according to the extracted transaction code; According to the verification slot model, a verification card slot corresponding to the verification instance of the current transaction is generated, and the verification card slot includes multiple verification slots, and the verification slot includes at least one of the following: participating system, amount, and accounting direction.

5. The method of claim 4, wherein: The method further comprises: Setting a waiting period and a dead letter period for the checking slot mold; For any verification instance, if the verification details sent by the participant are still not received at the end of the waiting period, a query request is actively initiated, and queries are initiated again at increasing time periods until the verification details are received; For the same verification instance, if the transaction is still not verified, the exception is recorded and handled.

6. The method of claim 1, wherein: The verification result of the verification card slot includes: Determine the direction of increase or decrease of the reconciliation amount according to the accounting direction slot in the verification card slot; The verification result of the verification card slot is obtained by sequentially polling the increase or decrease direction of the reconciliation amount of the first system and the increase or decrease direction of the reconciliation amount of the second system.

7. The method according to any one of claims 1 to 6, wherein: The method further comprises: According to the errors found in the verification result of the verification card slot, the second system is adjusted by comparing the state of the first system according to the preset reconciliation rules; If the card slot is not fully filled according to the verification result of the verification card slot, initiating an inquiry to reissue the reconciliation information after waiting for the verification message until the waiting period ends; If no reconciliation message is received until the dead letter cycle ends according to the verification result of the verification card slot, a mandatory adjustment is initiated for abnormal transactions that meet the preset rules according to the preset rules and with reference to the first system; Abnormal transactions that do not comply with preset rules or transactions that fail automatic adjustment will be handled manually.

8. A transaction processing device, wherein: Applied to a transaction checking server, the device comprises: A first processing module, configured to generate a verification card slot in response to a transaction verification request sent by the second system, wherein the verification card slot is used as a reconciliation instance; A second processing module, configured to insert the reconciliation information in the second system and the first system into the verification card slot in response to the transaction details sent by the first system; The execution module executes a corresponding processing flow according to the verification result of the verification card slot, wherein the first system is used as a verification reference system and the second system is used as a system to be verified.

9. An electronic device, comprising: processor; as well as A memory arranged to store computer executable instructions, which when executed cause the processor to perform the method of any one of claims 1 to 7.

10. A computer-readable storage medium storing one or more programs, which, when executed by an electronic device including a plurality of application programs, causes the electronic device to execute any one of the methods of claims 1 to 7.

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