Transaction processing method and device, equipment and storage medium

Abstract

The invention provides a transaction processing method and device, equipment and a storage medium, and the method comprises the steps: responding to the ordering operation of at least one shipment-bank payment account based on shipment-bank payment, triggering a preset settlement condition, and obtaining each piece of order issuing information of each shipment-bank payment account in a preset time period; according to each order issuing information of each shipment-bank payment account, generating a settlement instruction record of each shipment-bank payment account and a settlement summary file of at least one shipment-bank payment account; according to the settlement summary file, determining a settlement state recorded by each settlement instruction, and obtaining a settlement state file; and according to the settlement state file, executing a goods-bank payment settlement process corresponding to each goods-bank payment account. The accuracy and efficiency of transaction processing based on goods-bank payment can be improved.

Description

Technical Field

[0001] The embodiments of the present application relate to the technical field of data processing, and in particular, to a transaction processing method, device, equipment and storage medium. Background Art

[0002] DVP (Delivery Versus Payment) means a settlement method in which bond delivery and fund payment are carried out synchronously on the settlement date and are mutually restrictive conditions. Delivery Versus Payment can enable trading parties who are not familiar with each other or have a large difference in credit levels to safely and quickly complete bond trading settlements. It has the characteristic of equal delivery risks for both settlement parties and is a high-efficiency and low-risk settlement method. Obviously, transactions under Delivery Versus Payment need to ensure that the two links of bond delivery and fund payment are carried out synchronously. Therefore, how to implement an accurate and efficient transaction processing method based on Delivery Versus Payment is a technical problem to be solved by the present application. Summary of the Invention

[0003] The present application provides a transaction processing method, device, equipment and storage medium, which can improve the accuracy and efficiency of transaction processing based on Delivery Versus Payment.

[0004] In a first aspect, the present application provides a transaction processing method, which includes: in response to a Delivery Versus Payment-based order placement operation of at least one Delivery Versus Payment account and triggering a preset settlement condition, obtaining each order placement information of each Delivery Versus Payment account within a preset time period; generating a settlement instruction record for each Delivery Versus Payment account and a settlement summary file for at least one Delivery Versus Payment account according to each order placement information of each Delivery Versus Payment account; determining the settlement status of each settlement instruction record according to the settlement summary file to obtain a settlement status file; and executing the Delivery Versus Payment settlement process corresponding to each Delivery Versus Payment account according to the settlement status file.

[0005] In a second aspect, the present application provides a transaction processing device, including: an information acquisition module, configured to obtain each order placement information of each Delivery Versus Payment account within a preset time period in response to a Delivery Versus Payment-based order placement operation of at least one Delivery Versus Payment account and triggering a preset settlement condition; a data generation module, configured to generate a settlement instruction record for each Delivery Versus Payment account and a settlement summary file for at least one Delivery Versus Payment account according to each order placement information of each Delivery Versus Payment account; a status determination module, configured to determine the settlement status of each settlement instruction record according to the settlement summary file to obtain a settlement status file; and a delivery-versus-payment settlement module, configured to execute the Delivery Versus Payment settlement process corresponding to each Delivery Versus Payment account according to the settlement status file.

[0006] In a third aspect, the present application provides an electronic device, including: a processor and a memory. The memory is used to store a computer program, and the processor is used to call and run the computer program stored in the memory to execute the method in the first aspect or its various implementation manners.

[0007] In a fourth aspect, the present application provides a computer-readable storage medium for storing a computer program, and the computer program causes a computer to execute the method in the first aspect or its various implementation manners.

[0008] In a fifth aspect, the present application provides a computer program product including computer program instructions, and the computer program instructions cause a computer to execute the method in the first aspect or its various implementation manners.

[0009] In a sixth aspect, the present application provides a computer program, and the computer program causes a computer to execute the method in the first aspect or its various implementation manners.

[0010] Through the technical solution of the present application, an electronic device can respond to the delivery-versus-payment-based order placement operation of a delivery-versus-payment account and the triggering of a preset settlement condition, obtain each order placement information of the delivery-versus-payment account; and determine the settlement instruction record and the settlement summary file of the delivery-versus-payment account according to the order placement information, so as to determine the settlement status of the settlement instruction record and obtain a settlement status file; finally, the delivery-versus-payment settlement process corresponding to the delivery-versus-payment account can be executed according to the settlement status file. Therefore, an automated and intelligent delivery-versus-payment-based transaction processing can be realized, and the accuracy and efficiency of the delivery-versus-payment-based transaction processing can be improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] The following introduces the drawings required for the description of the embodiments.

[0012] Figure 1 It is a schematic diagram of an application scenario provided by an embodiment of the present application;

[0013] Figure 2 It is a flowchart of a transaction processing method provided by an embodiment of the present application;

[0014] Figure 3 It is a schematic diagram of a transaction processing method provided by an embodiment of the present application;

[0015] Figure 4 It is a schematic diagram of another transaction processing method provided by an embodiment of the present application;

[0016] Figure 5 It is a schematic diagram of yet another transaction processing method provided by an embodiment of the present application;

[0017] Figure 6 It is a schematic diagram of a transaction processing device 600 provided by an embodiment of the present application;

[0018] Figure 7 Schematic diagram of an electronic device 700 provided by an embodiment of the present application. Detailed implementation manners

[0019] It should be noted that the terms "first", "second", etc. in the description and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily have to be used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or server including a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0020] It should be understood that the technical solution of the present application can be applied to the following scenarios, but is not limited to:

[0021] In one embodiment, the present application can be applied to a transaction processing scenario based on delivery versus payment (DVP), and specifically can be applied to an execution scenario of the DVP settlement process.

[0022] Among them, the present application can be applied to the DVP settlement scenario under any trading market, and the present application does not limit this.

[0023] In one embodiment, as Figure 1 shown, this application scenario may include an investor terminal device 110, a server 120, and a custodian terminal device 130. The investor terminal device 110, the server 120, and the custodian terminal device 130 can be connected through a wired network or a wireless network.

[0024] Among them, the investor terminal device 110 can be a terminal device used by an investor, and the custodian terminal device 130 can be a terminal device used by an asset custodian. An investor can invest based on the Custody mode. The Custody mode refers to a mode in which an investor entrusts his assets to a specialized institution for custody, management, and settlement. In this mode, the specialized institution is called a custodian or an asset custodian. Usually, the asset custodian is a bank or a financial institution, and different services can be provided according to the needs and requirements of investors, including trading, settlement, reporting, tax management, risk management, etc.

[0025] Specifically, the investor terminal device 110 can install a client used by investors for trade processing based on delivery versus payment: the investor client; the custodian terminal device 130 can install a client used by the asset custodian for trade processing based on delivery versus payment: the custodian client; the server 120 is the server corresponding to the above client. An investor can open a delivery-versus-payment account based on the investor client and place an order based on delivery versus payment using this account; afterwards, the server 120 can, in response to this order placement operation and the triggering of a preset settlement condition (for example, reaching the preset settlement time), determine the settlement instruction record and the settlement summary file; afterwards, the asset custodian can, based on the custodian client, determine whether to assume the settlement obligation corresponding to the above order placement operation, that is, the settlement obligation for the delivery-versus-payment account, so that the custodian client can obtain the settlement obligation confirmation information; then, the server 130 can obtain the settlement obligation confirmation information sent by the custodian client and, based on this, determine the settlement status of the settlement instruction record to obtain the settlement status file; finally, the server 130 can, according to the settlement status file, execute the delivery-versus-payment settlement process corresponding to the delivery-versus-payment account.

[0026] Among them, the server 120 can be a single server, a server cluster composed of multiple servers, or a cloud platform control center, but is not limited thereto. The investor terminal device 110 or the custodian terminal device 130 can be a mobile phone, a tablet computer, a notebook computer, a desktop computer, etc., but is not limited thereto.

[0027] It should be noted that Figure 1 the terminal devices and servers in

[0028] are only exemplary. Specifically, there may also be other quantities or types of terminal devices or servers.

[0029] Figure 2 is a flowchart of a trade processing method provided by an embodiment of the present application. This method can be executed by the server 120 in the above application scenario, but is not limited thereto. As Figure 2 shown, this method may include the following steps:

[0030] S210: In response to an order placement operation based on delivery versus payment for at least one delivery-versus-payment account and the triggering of a preset settlement condition, obtain each order placement information for each delivery-versus-payment account within a preset time period;

[0031] S220: According to each order placement information for each delivery-versus-payment account, generate a settlement instruction record for each delivery-versus-payment account and a settlement summary file for at least one delivery-versus-payment account;

[0032] S230: Determine the settlement status recorded in each settlement instruction according to the settlement summary file to obtain a settlement status file;

[0033] S240: Execute the delivery-versus-payment settlement process corresponding to each delivery-versus-payment account according to the settlement status file.

[0034] Among them, the order placement operation based on delivery-versus-payment means that the settlement method corresponding to the order placement operation is delivery-versus-payment.

[0035] In one embodiment, after an investor uses a delivery-versus-payment account to perform an order placement operation based on delivery-versus-payment on an investor client, the client can obtain and send the order placement operation to the server, so that the server can respond to the order placement operation to perform subsequent delivery-versus-payment operation processes.

[0036] In one embodiment, the preset settlement condition can be: reaching the preset trading time.

[0037] Specifically, the preset trading time can be a pre-set trading time or a delivery-versus-payment time that meets the requirements of the trading market. For example, the preset trading time can be 4:05 pm on a working day.

[0038] In one embodiment, the server can obtain each order placement information of the delivery-versus-payment account from the trading-side service corresponding to the investor client.

[0039] Specifically, the order placement information includes the trading volume and transaction fees of a single delivery-versus-payment account within a preset time period. The trading volume includes all order placement records of the delivery-versus-payment account based on delivery-versus-payment. Specifically, the trading volume can include at least one of the following, but is not limited to: order number (used to uniquely identify the delivery-versus-payment account and the order placement operation), trading date, trading parties (for example, account information of the investor and the counterparty), trading variety (financial product corresponding to delivery-versus-payment), trading quantity, trading unit price. The transaction fees include the fee information generated by all order placement records of the delivery-versus-payment account based on delivery-versus-payment.

[0040] The generation process of the settlement instruction record and the settlement summary file will be introduced below:

[0041] In one embodiment, generating the settlement instruction record for each delivery-versus-payment account according to each order placement information of each delivery-versus-payment account includes the following steps:

[0042] S220-1-1: Obtain the summary dimension, and the summary dimension includes at least one of the following: trading date, trading account, trading market, virtual resource code, exchange, trading direction, broker identifier, counterparty information.

[0043] Specifically, the trading account may refer to a cash-versus-delivery account; the virtual resource code may be a stock code; the trading direction may be the buy and sell direction of the cash-versus-delivery account; the brokerage firm identifier may be the identifier (IDentity, ID) of the brokerage firm corresponding to the cash-versus-delivery; the counterparty information may include the counterparty's account information or other identity identifiers.

[0044] S220-1-2: Based on the summary dimension, summarize each order information of each cash versus delivery account to obtain the settlement instruction record of each cash versus delivery account.

[0045] The settlement instruction record includes at least: the total transaction amount, quantity and fees of the corresponding delivery-versus-payment account within a preset time period, and the preset time period may be the day corresponding to the order operation. The settlement instruction record, also known as the SI (Settlement Instructions) record, is a specific instruction issued by the two parties to the transaction after the transaction is concluded to ensure that the transaction can be settled in accordance with the predetermined terms and conditions. It is obtained by summarizing the order information of each delivery-versus-payment account.

[0046] Specifically, the settlement instruction record can be used to instruct the asset custodian to determine the transaction obligation confirmation information for the corresponding delivery-versus-payment account based on the client, and then complete the delivery-versus-payment settlement of the corresponding delivery-versus-payment account.

[0047] Furthermore, multiple field information related to the above-mentioned summary dimension can be extracted from each order information of the delivery-versus-payment account. For example, the extraction can be performed based on character matching; or, an order information image can be generated based on each order information, and then the multiple field information related to the above-mentioned summary dimension in the order information image can be identified based on optical character recognition (OCR); then, the obtained field information is summarized to obtain the settlement instruction record of the delivery-versus-payment account.

[0048] Exemplarily, the cleaned field information may be grouped according to the first summary dimension in the summary dimension to obtain multiple groups of field information; then, each group of field information may be summarized according to the second summary dimension in the summary dimension except the first summary dimension to obtain a settlement instruction record. For example, multiple field information may be grouped according to the transaction date and the transaction account; then, each group of field information may be summarized according to the transaction market, virtual resource code, exchange, transaction direction, brokerage firm identification, and counterparty information to obtain a settlement instruction record.

[0049] The above-mentioned aggregation process can be implemented based on database management systems such as MySQL.

[0050] In one embodiment, generating a settlement summary file for at least one delivery-versus-payment (DVP) account according to each order placement information of each DVP account includes the following steps:

[0051] S220-2-1: Generate a flow identification for each order placement of each DVP account according to each transaction flow of each DVP account.

[0052] Among them, one order placement operation corresponds to one transaction flow, and the flow identification is used to uniquely identify the transaction flow. In addition, the flow identification can be associated with the transaction record of the corresponding Information Center (IC) for subsequent information comparison (which will be introduced in subsequent embodiments).

[0053] Exemplarily, the order placement timestamp corresponding to the order placement operation can be obtained (specifically, it can be a millisecond-level timestamp); extract the key information of the transaction flow, such as the trading account, transaction amount, etc.; then, combine the order placement timestamp and the key information of the transaction flow (for example, directly splice the order placement timestamp and the key information of the transaction flow) to obtain the flow identification corresponding to the order placement operation.

[0054] S220-2-2: Generate a settlement instruction identification for the settlement instruction record of each DVP account according to the settlement instruction record of each DVP account.

[0055] Among them, the settlement instruction identification is used to uniquely identify the settlement instruction record. One settlement instruction record can correspond to at least one transaction flow of a DVP account, that is, different transaction flows may correspond to the same settlement instruction identification.

[0056] In addition, in the future, the delivery status of the corresponding settlement instruction record can be transmitted according to the settlement instruction identification to obtain a delivery status file (which will be introduced in subsequent embodiments).

[0057] Exemplarily, the key settlement information in the settlement instruction record can be extracted (for example, it can include the transaction amount, quantity, and fees, etc.); then, determine the identification generation rule, and the identification generation rule can represent the combination method of the above key settlement information. For example, specifically, the various information in the key settlement information can be sorted and combined according to the order of the first letters in the preset alphabet; finally, the key settlement information can be combined based on the preset identification generation rule to obtain the settlement instruction identification.

[0058] S220-2-3: Generate a virtual resource identification, trading direction, transaction quantity, broker identification, and counterparty information for each order placement of each DVP account according to each transaction flow of each DVP account.

[0059] Among them, the transaction turnover may include the virtual resource identifier, transaction direction, transaction quantity, broker identifier, and counterparty information for each order placement, so that this information can be directly obtained from the transaction turnover.

[0060] The broker identifier can be the identifier or code of the asset custodian (Custodian) in the Depository Trust & Clearing Corporation (DTCC).

[0061] In addition, a corresponding user association can be established between the client involved in this application and the DTCC through the broker identifier and / or counterparty information, which can be used to determine the confirmation information of the delivery obligation of the asset custodian for the delivery-versus-payment account.

[0062] S220-2-4: Generate the transaction amount for each order placement of each delivery-versus-payment account according to the transaction fee for each transaction of each delivery-versus-payment account.

[0063] Among them, the transaction fee can be directly determined as the corresponding transaction amount, or the transaction fee can be converted according to the preset currency exchange information to obtain the corresponding transaction amount.

[0064] S220-2-5: Generate a settlement summary file based on the settlement instruction identifier recorded in the settlement instruction corresponding to each delivery-versus-payment account, as well as the transaction record identifier, virtual resource identifier, transaction direction, transaction quantity, broker identifier, counterparty information, and transaction amount for each order placement of each delivery-versus-payment account.

[0065] Specifically, the settlement instruction identifier, transaction record identifier, virtual resource identifier, transaction direction, transaction quantity, broker identifier, counterparty information, and transaction amount for each order placement under each delivery-versus-payment account can be summarized to obtain a settlement summary file.

[0066] It can be understood that the settlement summary file can record the transaction turnover and fee information of all delivery-versus-payment accounts during a preset time period (for example, the day corresponding to the order placement operation), and specifically can include: the transaction record identifier for each order placement of each delivery-versus-payment account, the settlement instruction identifier recorded in the settlement instruction of each delivery-versus-payment account, the virtual resource identifier, transaction direction, transaction quantity, broker identifier, counterparty information, and transaction amount for each order placement of each delivery-versus-payment account.

[0067] The settlement summary file can not only be used for subsequent information verification (e.g., information such as the transaction quantity and amount) to ensure the accuracy of data adjustment for delivery versus payment settlement, but also indicate, based on the client, the transaction obligation confirmation information recorded for the settlement instruction by the asset custodian through the fee information, transaction direction, transaction amount, counterparty, etc. included in the delivery versus payment account (specifically, the transaction obligation confirmation information for the corresponding delivery versus payment account).

[0068] The steps before determining the settlement status file, i.e., S230, based on the settlement summary file are introduced below:

[0069] In one embodiment, before executing S230, the following steps are further included:

[0070] S301: Upload the settlement summary file to the file transfer system.

[0071] Among them, the file transfer system can be a system based on the Secure File Transfer Protocol (SFTP).

[0072] S302: In response to reaching the preset time, obtain and parse the settlement summary file from the file transfer system.

[0073] Among them, the preset time can be an agreed time. For example, it can be the time agreed between the investment custodian and the investor, or the time agreed for determining the settlement status.

[0074] Parsing the settlement summary file can specifically be to identify and extract the key transaction information of each delivery versus payment account in the settlement summary file.

[0075] Exemplarily, as Figure 3 shown, the server can include a DVP system and a file transfer system. The service communicates with the DVP delivery platform through the file transfer system. The DVP system is used to upload the settlement summary file to the file transfer system, and the DVP delivery platform is used to obtain the calculation summary file from the file transfer system.

[0076] S303: Based on the parsing result, perform an initial verification on the key transaction information of each delivery versus payment account in the settlement summary file. The key transaction information at least includes: the transaction quantity and the transaction amount.

[0077] Among them, the parsing result can specifically be the extraction result of the key transaction information in the settlement summary file, that is, the parsing result can specifically include the key transaction information of each delivery versus payment account.

[0078] Specifically, it can be determined by comparing the above-mentioned key transaction information with the corresponding content in the above-mentioned order information (for example, transaction serial numbers and transaction fees). If it is determined through the comparison that the key transaction information is consistent with the order information, it is determined that the initial verification passes; otherwise, it is determined that the initial verification fails.

[0079] S304: In response to the initial verification passing, obtain the transaction records in the transaction information center. The transaction records include the transaction serial numbers of each order placed by each delivery-versus-payment account.

[0080] S305: Based on the transaction serial numbers of each order placed by each delivery-versus-payment account, compare the transaction records with the corresponding virtual resource identifiers, corresponding transaction directions, corresponding transaction quantities, corresponding counterparty information, and corresponding transaction amounts in the settlement summary file.

[0081] Among them, combining the above content, it can be known that the transaction serial number can be used to determine the mutually related transaction records and transaction serial numbers, and the settlement summary file is determined based on the transaction serial numbers in the corresponding order information. Therefore, through the transaction serial number, the settlement summary file corresponding to the transaction records can be determined, so as to compare the transaction records with the corresponding virtual resource identifiers, corresponding transaction directions, corresponding transaction quantities, corresponding counterparty information, and corresponding transaction amounts in the settlement summary file to verify whether the settlement summary file is correct.

[0082] Correspondingly, the above S230 includes: in response to the transaction records being consistent with the corresponding virtual resource identifiers, corresponding transaction directions, corresponding transaction quantities, corresponding counterparty information, and corresponding transaction amounts in the settlement summary file, determine the settlement status of each settlement instruction record according to the settlement summary file to obtain a settlement status file.

[0083] The following introduces the determination of the settlement status file based on the settlement summary file, that is, S230:

[0084] In one embodiment, the determination of the settlement status of each settlement instruction record according to the settlement summary file to obtain a settlement status file includes: sending the settlement summary file to the client of the asset custodian corresponding to at least one delivery-versus-payment account; obtaining the confirmation information of the settlement obligations of the asset custodian for each settlement instruction record involved in the settlement summary file returned by the client; updating the settlement status of each settlement instruction record according to each settlement obligation confirmation information; and summarizing the settlement status of each settlement instruction record to obtain a settlement status file.

[0085] Specifically, the settlement summary file can be sent to the client of the asset custodian corresponding to at least one delivery-versus-payment account; obtain the confirmation information of the delivery obligation of the asset custodian for each delivery-versus-payment account involved in the settlement summary file returned by the client; determine the settlement status corresponding to each delivery-versus-payment account according to each confirmation information of the delivery obligation; based on each settlement instruction identifier in the settlement summary file and the settlement status corresponding to each delivery-versus-payment account, determine the settlement status recorded in each settlement instruction; summarize the settlement status recorded in each settlement instruction to obtain a settlement status file.

[0086] Among them, the settlement status includes: pending settlement status (Pending), affirmed settlement status (Affirmed), and unaffirmed settlement status (Unaffirmed); the pending settlement status indicates that the asset custodian has not confirmed whether it undertakes the delivery-versus-payment obligation for the corresponding delivery-versus-payment account; the affirmed settlement status indicates that the asset custodian undertakes the delivery-versus-payment obligation for the corresponding delivery-versus-payment account; the unaffirmed settlement status indicates that the asset custodian has not undertaken the delivery-versus-payment obligation for the corresponding delivery-versus-payment account.

[0087] Exemplarily, the client of the asset custodian can be the client corresponding to the asset custodian, and the server can send the settlement summary file to the client of the asset custodian; afterwards, the asset custodian can trigger an operation on whether to undertake the delivery obligation of the current transaction through the client of the asset custodian. In response to this trigger operation, the client of the asset custodian can generate the confirmation information of the delivery obligation for each delivery-versus-payment account involved in the settlement summary file and return it to the server.

[0088] Among them, the confirmation information of the delivery obligation can correspond one-to-one with the settlement status. For example, if the confirmation information of the delivery obligation is that the asset custodian has not confirmed whether it undertakes the delivery-versus-payment obligation for the corresponding delivery-versus-payment account, the settlement status is the pending settlement status; if the confirmation information of the delivery obligation is that the asset custodian has not confirmed to undertake the delivery-versus-payment obligation for the corresponding delivery-versus-payment account, the settlement status is the affirmed settlement status; if the confirmation information of the delivery obligation is that the asset custodian refuses to undertake the delivery-versus-payment obligation for the corresponding delivery-versus-payment account, the settlement status is the unaffirmed settlement status.

[0089] Among them, the settlement instruction identifier is used to uniquely identify the settlement instruction record. One settlement instruction record corresponds to one settlement status, and one settlement instruction record corresponds to one delivery-versus-payment account. Therefore, according to the settlement instruction identifier, the settlement status corresponding to the delivery-versus-payment account can be determined as the settlement status of the corresponding settlement instruction record.

[0090] Exemplarily, the settlement status file can include each settlement instruction record, its corresponding settlement status, and the settlement instruction identifier.

[0091] Exemplarily, as Figure 4 shown, the server may include a DVP system and a DVP delivery platform. The DVP system and the DVP delivery platform may transmit data such as files through a file transfer system. The DVP delivery platform is used to upload the settlement status file to the file transfer system (for example, the settlement status file may be uploaded on each trading day to inform the DVP system of the settlement status recorded in the settlement instruction). The DVP system is used to obtain the settlement status file from the file transfer system (specifically, it may be obtained at a preset time, for example, 9:00 p.m.). After that, the server may parse the settlement status file to determine each settlement instruction record and its corresponding settlement status and settlement instruction identifier. Then, the settlement status of the corresponding settlement instruction record may be updated accordingly, and the corresponding delivery process may be executed according to the updated settlement status, that is, S240 is executed.

[0092] The following introduces the delivery-versus-payment (DVP) delivery process according to the settlement status file, that is, S240:

[0093] Specifically, after obtaining the settlement status file, the DVP delivery process corresponding to each order record (i.e., corresponding to each DVP order operation) of each settlement instruction record may be executed according to the settlement status of each settlement instruction record recorded in the settlement status file, so as to complete the DVP delivery process of all order records in the order information corresponding to each DVP account.

[0094] In one embodiment, S240 may include any of the following situations:

[0095] Situation 1: For the target settlement instruction record in each settlement instruction record, if the settlement status of the target settlement instruction record is the to-be-confirmed settlement status, wait for the client of the asset custodian of the DVP account corresponding to the target settlement instruction record to return a settlement status of confirmed settlement status or rejected settlement status.

[0096] Situation 2: For the target settlement instruction record in each settlement instruction record, if the settlement status of the target settlement instruction record is the confirmed settlement status, determine the settlement date of the order information corresponding to the target settlement instruction record. In response to the arrival of the settlement date, execute the money and goods delivery for the DVP account corresponding to the target settlement instruction record.

[0097] In Case 3, for each target settlement instruction record in the settlement instruction record, if the settlement status of the target settlement instruction record is the rejected settlement status, obtain the settlement feasibility information returned by the client of the third business party corresponding to the target settlement instruction record; if the settlement feasibility information indicates that the assets corresponding to the target settlement instruction record can complete the settlement on the corresponding settlement date, then in response to the arrival of the settlement date, execute the delivery-versus-payment for the delivery-versus-payment account corresponding to the target settlement instruction record; if the settlement feasibility information indicates that the assets corresponding to the target settlement instruction record cannot complete the settlement on the corresponding settlement date, extend the settlement date until the settlement feasibility information indicates that the assets corresponding to the target settlement instruction record can complete the settlement on the corresponding settlement date, and in response to the arrival of the settlement date, execute the delivery-versus-payment for the delivery-versus-payment account corresponding to the target settlement instruction record until it is completed.

[0098] Among them, executing the delivery-versus-payment for the delivery-versus-payment account corresponding to the target settlement instruction record includes adjusting the assets of the delivery-versus-payment account according to the target settlement instruction record. Specifically, it can be the transfer of resources between different delivery-versus-payment accounts corresponding to the target settlement instruction record. For example, it can be the transfer of electronic funds and virtual resources. For example, assuming that the delivery-versus-payment accounts corresponding to the target settlement instruction record include the first delivery-versus-payment account and the second delivery-versus-payment account, then executing the delivery-versus-payment for the delivery-versus-payment account corresponding to the target settlement instruction record can be specifically: increasing the quantity of virtual resource 1 in the first delivery-versus-payment account and reducing the fund value of the electronic funds in the first delivery-versus-payment account; reducing the quantity of virtual resource 1 in the second delivery-versus-payment account and increasing the fund value of the electronic funds in the second delivery-versus-payment account.

[0099] Among them, the client of the third business party can be the client corresponding to the resource settlement platform other than the DVP settlement platform.

[0100] In Case 3, when the investment custodian refuses to undertake the settlement obligation, the server can undertake the corresponding settlement obligation to ensure the smooth completion of delivery-versus-payment.

[0101] Exemplarily, such as Figure 5As shown, within time 1 (e.g., 4:05 PM), after the delivery-versus-payment account triggers an order placement operation based on the corresponding client, in response to this order placement operation, the trading side service completes the order placement and generates the transaction record of this order placement. Meanwhile, in response to this order placement operation, the settlement side service generates the transaction fees of this order placement; the trading side service can synchronize the transaction record to the DVP system of the server, and the settlement side service can synchronize the transaction fees to the DVP system of the server; then, the DVP system can determine the settlement instruction record of the delivery-versus-payment account, i.e., the SI record, based on the transaction record and the transaction fees (i.e., the order placement information), and generate a settlement summary file based on the settlement instruction record and send it to the DVP delivery platform; after that, within time 2 (e.g., 9:00 PM), the DVP delivery platform (conducting settlement as the counterparty of the client depository bank) can, in combination with the above embodiments, send the settlement summary file to the client of the asset custodian to determine the settlement status of each settlement instruction record through the client of the asset custodian and obtain the settlement status file (including the SI settlement status, i.e., the settlement status of each SI record); then, the DVP system receives the settlement status file returned by the DVP delivery platform and can match the SI records accordingly and update their settlement status. After that, the DVP system can conduct corresponding money and goods delivery according to the settlement status: if the settlement status is the confirmed settlement status, on the settlement date of the order placement information corresponding to the settlement instruction record (e.g., S days), the DVP system can execute the money and goods delivery for the delivery-versus-payment account corresponding to the target settlement instruction record through the risk control service and automatically complete the asset leveling for the delivery-versus-payment account; if the settlement status is the rejected settlement status, then the third party can level the assets of the delivery-versus-payment account manually based on the client, and at this time, the investment custodian can directly conduct the money and goods transfer with the DVP delivery platform.

[0102] Among them, the settlement date is determined based on the trading market. For example, it can be T + 4 or before (in some trading markets, it can be T + 2 Cycle), or before T + 3 (in some trading markets, it can be T + 1 Cycle), where T is the trading day, i.e., the day when the transaction occurs. In addition, if the settlement date is extended, the risk control unit can deduct the late settlement fees, i.e., record additional fees. Finally, the settlement unit can synchronize the changed record.

[0103] Through the above embodiments, after the transaction is completed in the delivery-versus-payment account, the transaction information and the settlement instruction record, etc. can be sent to the client of the investment custodian to determine whether the investment custodian undertakes the settlement obligation of the current transaction. After confirming the undertaking, automatic money and goods delivery can be completed, and only the assets of the delivery-versus-payment account are changed and the settlement record is synchronized. After confirming that it does not undertake, it can support manual adjustment of the assets of the delivery-versus-payment account, and it can also realize the electronization of settlement instructions, thereby ensuring the accuracy and efficiency of transaction processing based on delivery-versus-payment.

[0104] It should be noted that any combination of the above technical solutions can form an optional embodiment of the present application, which will not be elaborated one by one here.

[0105] It should be noted that in the specific implementation of the present application, it involves relevant data such as order information, settlement instruction records, settlement summary files, and delivery status files. When the embodiments of the present application are applied to specific products or technologies, user permission, consent, or authorization is required, and the collection, use, and processing of relevant data need to comply with the relevant laws, regulations, and standards of relevant countries and regions.

[0106] Figure 6 It is a schematic diagram of a transaction processing device 600 provided by an embodiment of the present application. As Figure 6 shown, the device 600 includes: an information acquisition module 601, a data generation module 602, a status determination module 603, a money and goods delivery module 604, a file transmission module 605, a file parsing module 606, a primary verification module 607, a record acquisition module 608, and an information comparison module 609.

[0107] In one embodiment, the information acquisition module 601 is configured to obtain each order information of each delivery-versus-payment account within a preset time period in response to a delivery-versus-payment-based order operation of at least one delivery-versus-payment account and trigger a preset delivery condition; the data generation module 602 is configured to generate a settlement instruction record for each delivery-versus-payment account and a settlement summary file for at least one delivery-versus-payment account according to each order information of each delivery-versus-payment account; the status determination module 603 is configured to determine the delivery status of each settlement instruction record according to the settlement summary file to obtain a delivery status file; the money and goods delivery module 604 is configured to execute the delivery-versus-payment process corresponding to each delivery-versus-payment account according to the delivery status file.

[0108] In one embodiment, the data generation module 602 is specifically configured to: obtain a summary dimension, where the summary dimension includes at least one of the following: transaction date, transaction account, transaction market, virtual resource code, exchange, transaction direction, broker identifier, and counterparty information; based on the summary dimension, summarize each order information of each delivery-versus-payment account to obtain a settlement instruction record for each delivery-versus-payment account; where the settlement instruction record at least includes: all transaction amounts, quantities, and fees of the corresponding delivery-versus-payment account within a preset time period.

[0109] In one embodiment, the order placement information includes the transaction turnover and the transaction fee; the data generation module 602 is specifically configured to: generate a turnover identifier for each order placement of each delivery-versus-payment account according to each transaction turnover of each delivery-versus-payment account; generate a settlement instruction identifier for the settlement instruction record of each delivery-versus-payment account according to the settlement instruction record of each delivery-versus-payment account; generate a virtual resource identifier, a transaction direction, a transaction quantity, a securities firm identifier, and counterparty information for each order placement of each delivery-versus-payment account according to each transaction turnover of each delivery-versus-payment account; generate a transaction amount for each order placement of each delivery-versus-payment account according to each transaction fee of each delivery-versus-payment account; and generate a settlement summary file based on the settlement instruction identifier of the settlement instruction record of each delivery-versus-payment account, the turnover identifier, the virtual resource identifier, the transaction direction, the transaction quantity, the securities firm identifier, the counterparty information, and the transaction amount of each order placement of each delivery-versus-payment account.

[0110] In one embodiment, the file transfer module 605 is configured to upload the settlement summary file to the file transfer system; the file parsing module 606 is configured to obtain and parse the settlement summary file from the file transfer system in response to reaching a preset time; the initial verification module 607 is configured to perform an initial verification on the key transaction information of each delivery-versus-payment account in the settlement summary file according to the parsing result, and the key transaction information at least includes: the transaction quantity and the transaction amount; the record acquisition module 608 is configured to obtain the transaction record of the transaction information center in response to the initial verification passing, and the transaction record includes the turnover identifier of each order placement of each delivery-versus-payment account; the information comparison module 609 is configured to compare the transaction record with the corresponding virtual resource identifier, the corresponding transaction direction, the corresponding transaction quantity, the corresponding counterparty information, and the corresponding transaction amount in the settlement summary file based on the turnover identifier of each order placement of each delivery-versus-payment account; correspondingly, the data generation module 602 is specifically configured to: in response to the transaction record being consistent with the corresponding virtual resource identifier, the corresponding transaction direction, the corresponding transaction quantity, the corresponding counterparty information, and the corresponding transaction amount in the settlement summary file, determine the settlement status of each settlement instruction record according to the settlement summary file to obtain a settlement status file.

[0111] In one embodiment, the status determination module 603 is specifically configured to: send the settlement summary file to the client of the asset custodian corresponding to at least one delivery-versus-payment account; obtain the delivery obligation confirmation information recorded by the asset custodian for each settlement instruction involved in the settlement summary file returned by the client; update the delivery status of each settlement instruction record according to each delivery obligation confirmation information; summarize the delivery status of each settlement instruction record based on each settlement instruction identifier in the settlement summary file to obtain a delivery status file; wherein, the delivery status includes: pending confirmation delivery status, confirmed delivery status, and rejected delivery status; the pending confirmation delivery status indicates that the asset custodian has not confirmed whether it undertakes the delivery-versus-payment obligation for the corresponding delivery-versus-payment account; the confirmed delivery status indicates that the asset custodian undertakes the delivery-versus-payment obligation for the corresponding delivery-versus-payment account; the rejected delivery status indicates that the asset custodian has not undertaken the delivery-versus-payment obligation for the corresponding delivery-versus-payment account.

[0112] In one embodiment, the delivery-versus-payment module 604 is specifically configured to: for the target settlement instruction record in each settlement instruction record, if the delivery status of the target settlement instruction record is the pending confirmation delivery status, wait for the client of the asset custodian of the delivery-versus-payment account corresponding to the target settlement instruction record to return a delivery status of confirmed delivery status or rejected delivery status.

[0113] In one embodiment, the delivery-versus-payment module 604 is specifically configured to: for the target settlement instruction record in each settlement instruction record, if the delivery status of the target settlement instruction record is the confirmed delivery status, determine the delivery date of the order information corresponding to the target settlement instruction record; in response to reaching the delivery date, perform delivery-versus-payment for the delivery-versus-payment account corresponding to the target settlement instruction record.

[0114] In one embodiment, the delivery-versus-payment module 604 is specifically configured to: for the target settlement instruction record in each settlement instruction record, if the delivery status of the target settlement instruction record is the rejected delivery status, obtain the delivery feasibility information returned by the client of the third party corresponding to the target settlement instruction record; if the delivery feasibility information indicates that the asset corresponding to the target settlement instruction record can complete delivery on the corresponding delivery date, in response to reaching the delivery date, perform delivery-versus-payment for the delivery-versus-payment account corresponding to the target settlement instruction record; if the delivery feasibility information indicates that the asset corresponding to the target settlement instruction record cannot complete delivery on the corresponding delivery date, extend the delivery date until the delivery feasibility information indicates that the asset corresponding to the target settlement instruction record can complete delivery on the corresponding delivery date, and in response to reaching the delivery date, perform delivery-versus-payment for the delivery-versus-payment account corresponding to the target settlement instruction record.

[0115] It should be understood that the device embodiments and the method embodiments can correspond to each other, and similar descriptions can refer to the method embodiments. To avoid repetition, they will not be elaborated here. Specifically, Figure 6 The illustrated device 600 can execute the above method embodiments, and the foregoing and other operations and / or functions of each module in the device 600 respectively implement the corresponding processes in the above respective methods. For the sake of brevity, they will not be elaborated here.

[0116] In the foregoing, the device 600 of the embodiments of the present application has been described from the perspective of functional modules. It should be understood that the functional modules can be implemented in the form of hardware, can also be implemented by instructions in software form, or can be implemented by a combination of hardware and software modules. Specifically, the steps of the method embodiments in the embodiments of the present application can be completed by the integrated logic circuit in the hardware in the processor and / or instructions in software form. The steps of the method disclosed in combination with the embodiments of the present application can be directly embodied as being executed and completed by the hardware decoding processor, or can be executed and completed by a combination of the hardware and software modules in the decoding processor. Optionally, the software module can be located in a mature storage medium in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, an electrically erasable programmable memory, a register, etc. This storage medium is located in the memory, and the processor reads the information in the memory and combines its hardware to complete the steps in the above method embodiments.

[0117] Figure 7 It is a schematic diagram of an electronic device 700 provided for the embodiments of the present application.

[0118] As Figure 7 shown, the electronic device 700 may include:

[0119] A memory 710 and a processor 720. The memory 710 is used to store a computer program and transmit the program code to the processor 720. In other words, the processor 720 can call and run the computer program from the memory 710 to implement the method in the embodiments of the present application.

[0120] For example, the processor 720 can be used to execute the above method embodiments according to the instructions in the computer program.

[0121] In some embodiments of the present application, the processor 720 may include but is not limited to:

[0122] General-purpose processors, digital signal processors (DSPs), application specific integrated circuits (ASICs), field programmable gate arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, and the like.

[0123] In some embodiments of the present application, the memory 710 includes, but is not limited to:

[0124] Volatile memory and / or non-volatile memory. Among them, the non-volatile memory may be a read-only memory (ROM), a programmable ROM (PROM), an erasable programmable ROM (EPROM), an electrically erasable programmable ROM (EEPROM), or a flash memory. The volatile memory may be a random access memory (RAM), which is used as an external cache. By way of example but not limitation, many forms of RAM are available, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate synchronous DRAM (DDR SDRAM), enhanced SDRAM (ESDRAM), synch link DRAM (SLDRAM), and direct rambus RAM (DR RAM).

[0125] In some embodiments of the present application, the computer program may be divided into one or more modules, and the one or more modules are stored in the memory 710 and executed by the processor 720 to complete the method provided by the present application. The one or more modules may be a series of computer program instruction segments capable of performing specific functions, and the instruction segments are used to describe the execution process of the computer program in the electronic device.

[0126] As Figure 7 shown, the electronic device may further include:

[0127] A transceiver 730, which can be connected to the processor 720 or the memory 710.

[0128] Among them, the processor 720 can control the transceiver 730 to communicate with other devices. Specifically, it can send information or data to other devices, or receive information or data sent by other devices. The transceiver 730 can include a transmitter and a receiver. The transceiver 730 can further include an antenna, and the number of antennas can be one or more.

[0129] It should be understood that the components in the electronic device are connected through a bus system. Among them, the bus system includes, in addition to the data bus, a power bus, a control bus, and a status signal bus.

[0130] This application also provides a computer storage medium, on which a computer program is stored. When the computer program is executed by the computer, the computer can execute the methods in the above method embodiments. Or rather, this application embodiment also provides a computer program product containing instructions. When the instructions are executed by the computer, the computer executes the methods in the above method embodiments.

[0131] When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on the computer, the computer can execute all or part of the corresponding processes in the methods in this application embodiment and generate the functions that can be realized by the methods in this application embodiment. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from a website, a computer, a server, or a data center to another website, a computer, a server, or a data center in a wired manner (such as coaxial cable, optical fiber, Digital Subscriber Line (DSL)) or a wireless manner (such as infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that the computer can access or a data storage device such as a server or a data center that includes one or more integrated available media. The available medium can be a magnetic medium (such as a floppy disk, a hard disk, a magnetic tape), an optical medium (such as a Digital Video Disc (DVD)), or a semiconductor medium (such as a Solid State Disk (SSD)), etc.

[0132] Those of ordinary skill in the art will realize that the modules and algorithm steps of each example described in combination with the embodiments disclosed herein can be implemented by electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are executed in hardware or software depends on the specific application and design constraints of the technical solution. Skilled professionals can use different methods for each specific application to implement the described functions, but such implementation should not be considered to exceed the scope of this application.

[0133] In several embodiments provided by this application, it should be understood that the disclosed systems, devices, and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the division of the modules is only a logical function division. In actual implementation, there may be other division methods. For example, multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the displayed or discussed couplings or direct couplings or communication connections to each other can be through some interfaces. The indirect couplings or communication connections of the devices or modules can be electrical, mechanical, or other forms.

[0134] The modules described as separate components may or may not be physically separated. The components shown as modules may or may not be physical modules, that is, they can be located in one place or distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment. For example, in each embodiment of this application, the functional modules can be integrated in one processing module, or each module can exist physically alone, or two or more modules can be integrated in one module.

Claims

1. A transaction processing method, characterized in that: include: In response to a delivery-versus-payment order operation based on delivery-versus-payment by at least one delivery-versus-payment account and triggering a preset delivery condition, obtaining information on each order of each delivery-versus-payment account within a preset time period; generating, based on each order information of each of the delivery-versus-payment accounts, a settlement instruction record of each of the delivery-versus-payment accounts and a settlement summary file of the at least one delivery-versus-payment account; Determine the delivery status of each of the settlement instruction records according to the settlement summary file to obtain a delivery status file; According to the delivery status file, the delivery-versus-cash delivery process corresponding to each delivery-versus-cash account is executed.

2. The method according to claim 1, characterized in that Generating a settlement instruction record for each of the delivery-versus-payment accounts according to each order information of each of the delivery-versus-payment accounts includes: Obtain summary dimensions, where the summary dimensions include at least one of the following: transaction date, transaction account, transaction market, virtual resource code, exchange, transaction direction, brokerage firm identifier, and counterparty information; Based on the summary dimension, each order information of each delivery-versus-payment account is summarized to obtain a settlement instruction record of each delivery-versus-payment account; The settlement instruction record includes at least: all transaction amounts, quantities and fees of the corresponding delivery-versus-payment account within the preset time period.

3. The method according to claim 1, characterized in that The order information includes the transaction fee and the transaction cost; and generating a settlement summary file of the at least one delivery-versus-payment account according to each order information of each delivery-versus-payment account, including: Generate a transaction identifier for each order of each delivery-versus-cash account based on the transaction transaction information of each delivery-versus-cash account; generating a settlement instruction identifier for each settlement instruction record of the delivery-versus-payment account according to the settlement instruction record of each delivery-versus-payment account; Generate a virtual resource identifier, transaction direction, transaction quantity, broker identifier, and counterparty information for each order of each delivery-versus-payment account based on the transaction transaction level of each delivery-versus-payment account; Generate a transaction amount for each order of each DV account based on each transaction fee of each DV account; The settlement summary file is generated based on the settlement instruction identifier of the settlement instruction record of each of the cash versus delivery account, the flow identifier of each order of each of the cash versus delivery account, the virtual resource identifier, the transaction direction, the transaction quantity, the brokerage firm identifier, the counterparty information and the transaction amount.

4. The method according to claim 3, characterized in that Before determining the delivery status of each of the settlement instruction records according to the settlement summary file and obtaining the delivery status file, the method further includes: Uploading the settlement summary file to a file transfer system; In response to reaching a preset time, acquiring and parsing the settlement summary file from the file transfer system; According to the analysis result, an initial verification is performed on the key transaction information of each cash-versus-delivery account in the settlement summary file, wherein the key transaction information at least includes: transaction quantity and transaction amount; In response to the initial verification being passed, obtaining a transaction record from a transaction information center, the transaction record including a transaction identifier of each order placed by each of the cash versus delivery accounts; Based on the transaction identifier of each order of each cash-for-delivery account, the transaction record is compared with the corresponding virtual resource identifier, the corresponding transaction direction, the corresponding transaction quantity, the corresponding transaction counterparty information and the corresponding transaction amount in the settlement summary file; Accordingly, the settlement status of each settlement instruction record is determined according to the settlement summary file to obtain a settlement status file, including: In response to the transaction record being consistent with the corresponding virtual resource identifier, the corresponding transaction direction, the corresponding transaction quantity, the corresponding counterparty information and the corresponding transaction amount in the settlement summary file, the delivery status of each of the settlement instruction records is determined according to the settlement summary file to obtain the delivery status file.

5. The method according to claim 3, characterized in that: Determining the delivery status of each of the settlement instruction records according to the settlement summary file to obtain a delivery status file includes: Sending the settlement summary file to the client of the asset custodian corresponding to the at least one delivery-versus-payment account; Obtaining the delivery obligation confirmation information of the asset custodian for each of the settlement instruction records involved in the settlement summary file, which is returned by the client; updating the delivery status of each of the settlement instruction records according to each of the delivery obligation confirmation information; Based on each of the settlement instruction identifiers in the settlement summary file, summarizing the delivery status of each of the settlement instruction records to obtain the delivery status file; The delivery status includes: delivery status to be confirmed, delivery status to be confirmed, and delivery status to be rejected; The pending delivery status indicates that the asset custodian has not confirmed whether to assume the delivery-versus-payment delivery obligation for the corresponding delivery-versus-payment account; The confirmed delivery status indicates that the asset custodian assumes the delivery-versus-payment delivery obligation for the corresponding delivery-versus-payment account; The refusal to deliver status indicates that the asset custodian has not assumed the obligation to deliver the corresponding delivery-versus-payment account.

6. The method according to claim 5, characterized in that The executing of the delivery versus cash settlement process corresponding to each delivery versus cash account according to the delivery status file includes: For each target settlement instruction record in the settlement instruction record, if the delivery status of the target settlement instruction record is a pending delivery status, wait for the client of the asset custodian of the cash-versus-delivery account corresponding to the target settlement instruction record to return a delivery status of a confirmed delivery status or a rejected delivery status.

7. The method according to claim 5, characterized in that The executing of the delivery versus cash settlement process corresponding to each delivery versus cash account according to the delivery status file includes: For each target settlement instruction record in the settlement instruction record, if the delivery status of the target settlement instruction record is the confirmed delivery status, determining the delivery date of the order information corresponding to the target settlement instruction record; In response to reaching the delivery date, executing the cash-for-goods delivery of the delivery-versus-payment account corresponding to the target settlement instruction record.

8. The method according to claim 5, characterized in that The executing of the delivery versus cash settlement process corresponding to each delivery versus cash account according to the delivery status file includes: For each target settlement instruction record in the settlement instruction record, if the delivery status of the target settlement instruction record is a delivery rejection status, then acquiring delivery feasibility information returned by a client of a third-party business party corresponding to the target settlement instruction record; If the delivery feasibility information indicates that the asset corresponding to the target settlement instruction record can be delivered on the corresponding delivery date, then in response to reaching the delivery date, executing the cash-for-goods delivery for the delivery-versus-cash account corresponding to the target settlement instruction record; If the delivery feasibility information indicates that the assets corresponding to the target settlement instruction record cannot be delivered on the corresponding delivery date, the delivery date is extended until the delivery feasibility information indicates that the assets corresponding to the target settlement instruction record can be delivered on the corresponding delivery date, and in response to the arrival of the delivery date, the cash delivery of the cash versus cash account corresponding to the target settlement instruction record is executed.

9. A transaction processing device, characterized in that: include: An information acquisition module, configured to, in response to a delivery-versus-payment order operation based on delivery-versus-payment of at least one delivery-versus-payment account and triggering a preset delivery condition, acquire information on each order of each delivery-versus-payment account within a preset time period; a data generation module, configured to generate a settlement instruction record of each of the delivery-versus-payment accounts and a settlement summary file of at least one delivery-versus-payment account according to each order information of each of the delivery-versus-payment accounts; A status determination module, used to determine the delivery status of each of the settlement instruction records according to the settlement summary file, and obtain a delivery status file; The cash-for-goods delivery module is used to execute the cash-for-goods delivery process corresponding to each cash-for-goods delivery account according to the delivery status file.

10. An electronic device, characterized in that: include: processor; as well as A memory, configured to store executable instructions of the processor; The processor is configured to perform the method of any one of claims 1 to 8 by executing the executable instructions.

11. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the method according to any one of claims 1 to 8 is implemented.

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