Transfer business processing method, device, equipment, medium and program product

Abstract

The invention provides a transfer business processing method which can be applied to the technical field of distributed and cloud computing. The transfer service processing method comprises the following steps: in response to a pre-check request of a target transfer service, distributing a target event number for the pre-check request; determining a target server from a plurality of preset servers according to the target event number; the pre-checking request is sent to the target server, so that the target server carries out pre-checking on the pre-checking request; in response to a received pre-checking success result fed back by the target server, generating an account transfer service request; allocating an associated event number associated with the target event number for the transfer service request; and sending the transfer service request to the target server according to the associated event number, so that the target server processes the transfer service request. The invention further provides a transfer business processing device and equipment, a storage medium and a program product.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of distributed and cloud computing, and particularly relates to a transfer service processing method and device, equipment, medium and program product. BACKGROUND

[0002] In the processing flow of bank-certificate transfer service (i.e. fund transfer between bank accounts and certificate accounts), introducing a pre-check mechanism is a widely adopted and effective technical means. The core of the mechanism is that before formally initiating the fund transfer operation, the system will first perform a series of key verification steps. These steps usually include verifying account status (such as whether it is frozen, closed), checking whether the account balance / available assets are sufficient, checking the validity of customer identity and authorization, confirming the compliance of transaction limits, etc. The core value of this "check first, then execute" mode is to intercept and avoid failed transactions caused by abnormal basic data or business rule conflicts in the backend database (or core business system) in advance, thereby significantly improving transaction success rate, reducing invalid operations, optimizing system resource utilization, and ultimately improving user experience and fund security.

[0003] However, the current mainstream system architecture generally uses a load balancing algorithm based on random or simple polling strategy when processing pre-check requests and the formal transfer transaction requests that follow. This means that two closely related requests (pre-check request and formal transaction request) from the same user, the same transfer service, are likely to be routed to different physical or logical server instances for execution in a distributed deployment of the backend server cluster.

[0004] This "request separation" architecture design results in a key technical blind spot: it makes the pre-check mechanism unable to effectively detect and cover machine-level faults or state abnormalities that may exist in the backend server itself. SUMMARY

[0005] In view of the above problems, the present application provides a transfer service processing method, device, equipment, medium and program product. The same node load of pre-check and formal transaction can be realized, and the accuracy of transfer service processing can be improved.

[0006] According to a first aspect of the present application, a transfer service processing method is provided, comprising: in response to a pre-check request of a target transfer service, assigning a target event number to the pre-check request; determining a target server from a plurality of preset servers according to the target event number; sending the pre-check request to the target server, so that the target server performs pre-check on the pre-check request; in response to receiving a result of pre-check success fed back by the target server, generating a transfer service request; assigning an associated event number associated with the target event number to the transfer service request; sending the transfer service request to the target server according to the associated event number, so that the target server processes the transfer service request.

[0007] According to an embodiment of the present application, the transfer service processing method further comprises: in response to receiving a result of pre-check failure fed back by the target server, generating error information, wherein the error information represents that the target transfer service is abnormal.

[0008] According to an embodiment of the present application, assigning the target event number to the pre-check request further comprises: extracting the target event number from the pre-check request by using an element parser.

[0009] According to an embodiment of the present application, determining the target server from the plurality of preset servers according to the target event number comprises: performing hash calculation on the target event number to obtain a pre-check hash value; performing modulo operation on the pre-check hash value to obtain a pre-check load factor; and determining the target server from the plurality of preset servers according to the pre-check load factor.

[0010] According to an embodiment of the present application, each server in the plurality of servers is configured with a position serial number; determining the target server from the plurality of preset servers comprises: comparing the pre-check load factor with the plurality of position serial numbers to determine a target position serial number; and determining the server corresponding to the target position serial number as the target server.

[0011] According to an embodiment of the present application, sending the transfer service request to the target server according to the associated event number comprises: performing consistent hash calculation on the associated event number to obtain an associated hash value; performing modulo operation on the associated hash value to obtain an associated load factor; and sending the transfer service request to the target server according to the associated load factor.

[0012] According to an embodiment of the present application, before sending the pre-check request to the target server, the method further comprises: sending the pre-check request to an interceptor, so that the interceptor analyzes the pre-check request to obtain pre-check service information; and in response to receiving the pre-check service information, updating a service state of the target transfer service according to the pre-check service information.

[0013] According to the embodiments of the present application, before the target server processes the transfer service request, the method further includes: sending the transfer service request to an interceptor, analyzing the transfer service request to obtain transfer service information; and updating the service state of the target transfer service according to the transfer service information.

[0014] The second aspect of the present application provides a transfer service processing apparatus, comprising: a first distribution module configured to distribute a target event number to a pre-check request of a target transfer service in response to the pre-check request; a determination module configured to determine a target server from a plurality of preset servers according to the target event number; a check module configured to send the pre-check request to the target server to enable the target server to pre-check the pre-check request; a generation module configured to generate a transfer service request in response to receiving a result of pre-check success fed back by the target server; a second distribution module configured to distribute an associated event number associated with the target event number to the transfer service request; and a processing module configured to send the transfer service request to the target server according to the associated event number to enable the target server to process the transfer service request.

[0015] The third aspect of the present application provides an electronic device, comprising: one or more processors; a memory configured to store one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method.

[0016] The fourth aspect of the present application further provides a computer-readable storage medium having a computer program or instructions stored thereon, wherein the computer program or instructions are executed by a processor to implement the steps of the method.

[0017] The fifth aspect of the present application further provides a computer program product comprising a computer program or instructions, wherein the computer program or instructions are executed by a processor to implement the steps of the method. BRIEF DESCRIPTION OF DRAWINGS

[0018] The above content and other purposes, features and advantages of the present application will be more apparent from the following description of the embodiments of the present application with reference to the accompanying drawings, in which:

[0019] Figure 1 An application scenario diagram of the transfer service processing method according to the embodiments of the present application is schematically shown;

[0020] Figure 2 A flowchart of the transfer service processing method according to the embodiments of the present application is schematically shown;

[0021] Figure 3 A principle diagram of the transfer service processing method according to the embodiments of the present application is schematically shown;

[0022] Figure 4 This illustration shows a comparison of the effects of the transfer processing method according to an embodiment of this application with existing methods;

[0023] Figure 5 This schematically illustrates a structural block diagram of a transfer processing apparatus according to an embodiment of this application; and

[0024] Figure 6 A block diagram schematically illustrates an electronic device suitable for implementing a money transfer processing method according to an embodiment of this application. Detailed Implementation

[0025] The embodiments of this application will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of this application. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of this application for ease of explanation. However, it will be apparent that one or more embodiments may be implemented without these specific details. Furthermore, descriptions of well-known structures and technologies are omitted in the following description to avoid unnecessarily obscuring the concepts of this application.

[0026] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of this application. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0027] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0028] When using expressions such as "at least one of A, B and C", they should generally be interpreted in accordance with the meaning that is commonly understood by those skilled in the art (e.g., "a system having at least one of A, B and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B and C, etc.).

[0029] Instructions: It should be noted that the methods and apparatus specified in this application can be used in the field of fintech, or in any field other than fintech. The application fields of the methods and apparatus in this application are not limited.

[0030] In the technical solution of this application, the user information (including but not limited to user personal information, user image information, user device information, such as location information) and data (including but not limited to data used for analysis, stored data, and displayed data) involved are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with relevant laws, regulations, and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entry points for users to choose to authorize or refuse.

[0031] In scenarios involving automated decision-making using personal information, the methods, devices, and systems provided in this application all offer users corresponding entry points for choosing to agree to or reject the automated decision-making results. If the user chooses to reject, the process proceeds to the expert decision-making stage. Here, "automated decision-making" refers to the activity of automatically analyzing and evaluating an individual's behavioral habits, interests, or economic, health, and credit status through computer programs, and then making a decision. Here, "expert decision-making" refers to the activity of making decisions by personnel who specialize in a particular field, possess specialized experience, knowledge, and skills, and have reached a certain level of professional expertise.

[0032] The embodiments of this application provide a method for processing transfer transactions. By setting an associated event number that is linked to the target event number for the formal transfer transaction, the pre-check processing and the formal transfer transaction processing can achieve the same node load, solving the pain point that the pre-check and transfer of bank-securities transactions cannot be implemented on the same backend server due to the use of random load balancing algorithms, and significantly improving the accuracy in machine failure scenarios.

[0033] Figure 1 The diagram illustrates an application scenario of the transfer transaction processing method according to an embodiment of this application.

[0034] like Figure 1 As shown, application scenario 100 according to this embodiment may include a processing device 101, a network 102, a first server 103, a second server 104, and a third server 105. The network 104 serves as a medium for providing communication links between the processing device 101, the first server 103, the second server 104, and the third server 105. The network 104 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0035] Users can use the processing device 101 to interact with the first server 103, the second server 104, and the third server 105 via the network 104 to receive or send messages, etc. Various communication client applications can be installed on the processing device 101, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0036] The processing device 101 can be a variety of electronic devices with a display screen and web browsing support, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0037] The first server 103, the second server 104, and the third server 105 can be servers that provide various services, such as a backend management server that supports websites browsed by users using the processing device 101 (for example only). The backend management server can analyze and process data such as received user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the processing device 101.

[0038] It should be noted that the transfer business processing method provided in this application embodiment can generally be executed by the processing device 101 or by the software installed in the processing device 101.

[0039] Please continue reading. Figure 1 Taking a money transfer scenario as an example, the processing device 101 can first respond to the pre-check request of the target money transfer transaction and assign a target event number to the pre-check request. Based on the target event number, the target server is determined from the preset first server 103, second server 104 and third server 105, for example, the first server 103, so that the first server 103 can perform a pre-check on the pre-check request.

[0040] Then, in response to receiving the pre-check success result from the first server 103, the processing device 101 can generate a transfer request and assign an associated event number to the transfer request that is associated with the target event number.

[0041] Then, the processing device 101 can send the transfer request to the first server 103 according to the associated event number, so that the first server 103 can process the transfer request.

[0042] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0043] In view of this, embodiments of this application provide a method for processing transfer transactions, which can be performed by...

[0044] The following will be based on Figure 1 The described scene, through Figures 2-6 The method for processing transfer transactions according to the embodiments of this application will be described in detail.

[0045] Figure 2 A flowchart illustrating a transfer transaction processing method according to an embodiment of this application is shown.

[0046] like Figure 2 As shown, the transfer processing method in this embodiment includes operations S210 to S260.

[0047] In operation S210, in response to the pre-check request for the target transfer transaction, a target event number is assigned to the pre-check request.

[0048] In distributed financial systems, pre-checking is the first step in risk control.

[0049] In some embodiments, when a user initiates a transfer request (such as a securities-to-bank transfer), the system generates a globally unique target event number for the pre-check phase. This number can, for example, adopt a "business type + date + sequence number" structure to ensure no conflicts in a distributed environment. The system can automatically assign a unique target event number to the pre-check request. For example, in a bank-securities transfer scenario, when user A initiates a pre-check, the system assigns a target event number, and all subsequent operations are bound to this number.

[0050] Figure 3 The schematic diagram illustrates the principle of a transfer transaction processing method according to an embodiment of this application.

[0051] In addition, such as Figure 3 As shown, after assigning an event number, the preprocessing request should also go through the service directory and service routing of the distributed service framework to perform full registration of the service list and filter out the appropriate service list according to the routing rules, so as to perform the subsequent target server determination operation.

[0052] In operation S220, the target server is determined from a set of preset servers based on the target event number.

[0053] Please continue reading. Figure 3 In some embodiments, the element resolver in the load balancer can be used to read the target event number in the pre-check request and perform corresponding calculations to determine the target server from a set of multiple servers.

[0054] In operation S230, a pre-check request is sent to the target server so that the target server performs a pre-check on the pre-check request.

[0055] In some embodiments, the pre-check request can be transmitted to the target server via the RPC (Remote Procedure Call) channel of the distributed service framework. Upon receiving the request, the target server triggers the pre-check execution engine and can invoke the rule engine to verify account status, balance, blacklist, etc. For example, it can verify whether user A's securities account has available funds greater than 5 million yuan. The check result is then returned to the distributed service framework.

[0056] In operation S240, in response to receiving a successful pre-check result from the target server, a transfer request is generated.

[0057] In some embodiments, if the pre-check is successful, the transaction state machine can be switched based on the successful pre-check result returned by the target server, and the system can then formally generate a transfer request.

[0058] In operation S250, an associated event number is assigned to the transfer request, which is related to the target event number.

[0059] In some embodiments, the associated event number is a number strongly bound to the target event number, and the two have a clear mapping relationship. In some scenarios, the associated event number and the target event number can be the same number.

[0060] In operation S260, a transfer request is sent to the target server based on the associated event number, so that the target server can process the transfer request.

[0061] In some embodiments, since the associated event number is associated with the target event number, the result of address calculation for the associated event number is the same as the result of calculation for the target event number. That is, the transfer request and the pre-check request can be sent to the same target server for processing.

[0062] In embodiments of this application, user consent or authorization can be obtained before acquiring user information. For example, a request to acquire user information can be sent to the user before operation S210. If the user consents or authorizes the acquisition of user information, operation S210 is executed to acquire the target transfer request issued by the user.

[0063] Furthermore, after processing on the target server, subsequent servers can be invoked for further processing based on the associated event number and the target event number. Because the associated event number and the target event number are strongly correlated, preprocessing requests and transfer requests will also be processed on the same subsequent server.

[0064] This application embodiment achieves simultaneous load balancing of pre-checking and transfer operations in bank-securities transfer business through the binding mechanism between target event number and associated event number, significantly improving the accuracy of pre-checking for transfer business.

[0065] According to an embodiment of this application, the transfer transaction processing method further includes: generating error information in response to receiving a pre-check failure result from the target server, wherein the error information indicates that an anomaly has occurred in the target transfer transaction.

[0066] In some embodiments, dynamic error messages are generated when a pre-check request fails. These error messages may include fields for error type and reason for failure. For example, when a user sends a pre-check request for a transfer, and the target server checks and finds the user's balance is insufficient, it will generate error messages such as "insufficient balance" and send the result to the user.

[0067] The embodiments of this application process the pre-check failure results to avoid invalid operations and improve processing efficiency.

[0068] According to an embodiment of this application, determining a target server from a set of preset servers based on a target event number includes: performing a hash calculation on the target event number to obtain a pre-check hash value; performing a modulo operation on the pre-check hash value to obtain a pre-check load factor; and determining the target server from the set of preset servers based on the pre-check load factor.

[0069] According to an embodiment of this application, each of the multiple servers is configured with a location number; determining the target server from the multiple preset servers includes: comparing the pre-checked load factor with the multiple location numbers to determine the target location number; and determining the server corresponding to the target location number as the target server.

[0070] In some embodiments, the target event number can be hashed to obtain a pre-checked load factor. The specific calculation steps are as follows: First, a hash ring is constructed using multiple servers, with the target event number used as input to the hash function within the hash ring. Then, a modulo operation is performed on the input based on the length of the hash ring list constructed by the multiple servers to obtain the pre-checked load factor. Finally, the server whose position number on the hash ring matches the pre-checked load factor is identified as the target server.

[0071] By performing hash calculations on the target event number, the target server corresponding to the target event number can be obtained accurately and quickly, achieving both accuracy and efficiency in server confirmation.

[0072] According to an embodiment of this application, sending a transfer request to a target server based on an associated event number includes: performing a consistent hash calculation on the associated event number to obtain an associated hash value; performing a modulo operation on the associated hash value to obtain an associated load factor; and sending the transfer request to the target server based on the associated load factor.

[0073] In some embodiments, a sticky load balancing strategy can be used to analyze transfer requests. For example, the same hash algorithm as in the above embodiments can be applied to the transfer requests, and the same calculations can be performed to obtain the associated load factor. The associated load factor obtained in this way can be located to the same target server as the pre-check load factor, so as to achieve the same node load for pre-check requests and business transfer requests.

[0074] By performing consistent hash calculations on the associated event numbers, transfer requests and pre-check requests can be assigned to the same target server, thereby achieving load balancing on the same node and improving the accuracy of pre-checks.

[0075] According to an embodiment of this application, before sending the pre-inspection request to the target server, the method further includes: sending the pre-inspection request to an interceptor so that the interceptor analyzes the pre-inspection request to obtain pre-inspection business information; and updating the business status of the target transfer business based on the pre-inspection business information in response to receiving the pre-inspection service information.

[0076] According to an embodiment of this application, before the target server processes the transfer request, the method further includes: sending the transfer request to an interceptor, analyzing the transfer request to obtain transfer information, and updating the business status of the target transfer based on the transfer information.

[0077] Please continue reading. Figure 3 In some embodiments, pre-check requests and transfer requests can also be processed by interceptors. Before these requests are sent to the target server, a copy can be cloned into the interceptor queue. The interceptor then extracts key fields from the requests, such as the service number, service user, amount, and operation type. Finally, the parsing results are written to the state management service, and the service status is updated synchronously. For example, when processing a pre-check request, the service status can be updated to "Pre-checking," while when processing a transfer request, the service status can be updated to "Transferring."

[0078] By setting up interceptors, real-time tracking of transaction status can be achieved, making it easier for operations and maintenance personnel to obtain and process business status.

[0079] Figure 4 The diagram illustrates a comparison of the effects of the transfer processing method according to an embodiment of this application with existing methods.

[0080] like Figure 4 As shown, in some embodiments, existing processing methods handle pre-check requests and transfer requests separately by different servers during transfer operations. Even if the pre-check request succeeds, the actual transfer request may not be sent to the same server for processing as the pre-check request. This can lead to inaccurate check results.

[0081] In contrast, the embodiments of this application employ sticky processing, allowing pre-inspection requests and transfer requests to be processed by the same server, achieving processing at the same node and significantly improving the accuracy of the inspection results.

[0082] Based on the above-described transfer processing method, this application also provides a transfer processing apparatus. The following will be combined with... Figure 5 The device is described in detail.

[0083] Figure 5 A schematic block diagram of a transfer processing apparatus according to an embodiment of this application is shown.

[0084] like Figure 5 As shown, the transfer processing device 500 of this embodiment includes a first allocation module 510, a determination module 520, a checking module 530, a generation module 540, a second allocation module 550, and a processing module 560.

[0085] The first allocation module 510 is used to assign a target event number to the pre-check request in response to the target transfer transaction. In one embodiment, the first allocation module 510 can be used to perform the operation S210 described above, which will not be repeated here.

[0086] The determining module 520 is used to determine the target server from a preset plurality of servers based on the target event number. In one embodiment, the determining module 520 may be used to perform the operation S220 described above, which will not be repeated here.

[0087] The inspection module 530 is used to send a pre-inspection request to the target server so that the target server performs a pre-inspection on the pre-inspection request. In one embodiment, the inspection module 530 can be used to perform the operation S230 described above, which will not be repeated here.

[0088] The generation module 540 generates a transfer request in response to a successful pre-check result received from the target server. In one embodiment, the generation module 540 can be used to perform the operation S240 described above, which will not be repeated here.

[0089] The second allocation module 550 is used to allocate an associated event number to a transfer request that is associated with the target event number. In one embodiment, the second allocation module 550 may be used to perform the operation S250 described above, which will not be repeated here.

[0090] The processing module 560 is used to send the transfer request to the target server according to the associated event number, so that the target server can process the transfer request. In one embodiment, the processing module 560 can be used to perform the operation S260 described above, which will not be repeated here.

[0091] According to embodiments of this application, any multiple modules among the first allocation module 510, the determining module 520, the checking module 530, the generating module 540, the second allocation module 550, and the processing module 560 can be combined into one module, or any one of these modules can be split into multiple modules. Alternatively, at least some of the functions of one or more of these modules can be combined with at least some of the functions of other modules and implemented in one module. According to embodiments of this application, at least one of the first allocation module 510, the determining module 520, the checking module 530, the generating module 540, the second allocation module 550, and the processing module 560 can be at least partially implemented as hardware circuitry, such as a field-programmable gate array (FPGA), a programmable logic array (PLA), a system-on-a-chip, a system-on-a-substrate, a system-on-package, an application-specific integrated circuit (ASIC), or implemented in hardware or firmware by any other reasonable means of integrating or packaging the circuitry, or implemented in software, hardware, or firmware, or in any suitable combination of any of these three implementation methods. Alternatively, at least one of the first allocation module 510, the determination module 520, the checking module 530, the generation module 540, the second allocation module 550, and the processing module 560 may be implemented at least partially as a computer program module, which can perform corresponding functions when the computer program module is run.

[0092] Figure 6 A block diagram schematically illustrates an electronic device suitable for implementing a money transfer processing method according to an embodiment of this application.

[0093] like Figure 6As shown, an electronic device 600 according to an embodiment of this application includes a processor 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage portion 608 into a random access memory (RAM) 603. The processor 601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 601 may also include onboard memory for caching purposes. The processor 601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of this application.

[0094] RAM 603 stores various programs and data required for the operation of electronic device 600. Processor 601, ROM 602, and RAM 603 are interconnected via bus 604. Processor 601 executes various operations of the method flow according to embodiments of this application by executing programs in ROM 602 and / or RAM 603. It should be noted that the programs may also be stored in one or more memories other than ROM 602 and RAM 603. Processor 601 may also execute various operations of the method flow according to embodiments of this application by executing programs stored in said one or more memories.

[0095] According to embodiments of this application, the electronic device 600 may further include an input / output (I / O) interface 605, which is also connected to a bus 604. The electronic device 600 may also include one or more of the following components connected to the input / output (I / O) interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the input / output (I / O) interface 605 as needed. A removable medium 611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 610 as needed so that computer programs read from it can be installed into the storage section 608 as needed.

[0096] This application also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs, which, when executed, implement the method according to the embodiments of this application.

[0097] According to embodiments of this application, the computer-readable storage medium can be a non-volatile computer-readable storage medium, such as including but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this application, the computer-readable storage medium may include ROM 602 and / or RAM 603 and / or one or more memories other than ROM 602 and RAM 603 described above.

[0098] Embodiments of this application also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code enables the computer system to implement the transfer transaction processing method provided in the embodiments of this application.

[0099] When the computer program is executed by the processor 601, it performs the functions defined in the system / apparatus of this application embodiment. According to the embodiments of this application, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0100] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and downloaded and installed via the communication section 609, and / or installed from the removable medium 611. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0101] In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 609, and / or installed from the removable medium 611. When the computer program is executed by the processor 601, it performs the functions defined in the system of this application embodiment. According to the embodiments of this application, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0102] According to embodiments of this application, program code for executing the computer programs provided in the embodiments of this application can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can be executed entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0103] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0104] Those skilled in the art will understand that the features described in the various embodiments of this application can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in this application. In particular, the features described in the various embodiments of this application can be combined and / or combined in various ways without departing from the spirit and teachings of this application. All such combinations and / or combinations fall within the scope of this application.

Claims

1. A method for processing fund transfer transactions, characterized in that, include: In response to a pre-check request for a target transfer transaction, a target event number is assigned to the pre-check request; Based on the target event number, the target server is determined from a set of preset servers; The pre-check request is sent to the target server so that the target server performs a pre-check on the pre-check request; Upon receiving a successful pre-check result from the target server, a transfer request is generated; Assign an associated event number to the transfer request that is linked to the target event number; Based on the associated event number, the transfer request is sent to the target server so that the target server can process the transfer request.

2. The method according to claim 1, characterized in that, The method further includes: In response to receiving a pre-check failure result from the target server, an error message is generated, wherein the error message indicates that an anomaly has occurred in the target transfer service.

3. The method according to claim 1, characterized in that, Assigning a target event number to the pre-inspection request further includes: The target event number is extracted from the pre-inspection request using a feature parser.

4. The method according to claim 1, characterized in that, The step of determining the target server from a preset set of servers based on the target event number includes: Perform a hash calculation on the target event number to obtain a pre-check hash value; Perform a modulo operation on the pre-checked hash value to obtain the pre-checked load factor; Based on the pre-checked load factor, the target server is determined from the preset plurality of servers.

5. The method according to claim 4, characterized in that, Each of the plurality of servers is configured with a location number; determining the target server from the preset plurality of servers includes: The pre-check load factor is compared with multiple location numbers to determine the target location number; The server corresponding to the target location number is determined as the target server.

6. The method according to claim 1, characterized in that, Sending the transfer request to the target server according to the associated event number includes: Perform a consistent hash calculation on the associated event number to obtain the associated hash value; Perform a modulo operation on the associated hash value to obtain the associated load factor; Based on the associated load factor, the transfer request is sent to the target server.

7. The method according to claim 1, characterized in that, The process of sending the pre-inspection request to the target server also includes: The pre-inspection request is sent to the interceptor so that the interceptor can analyze the pre-inspection request and obtain pre-inspection service information; In response to receiving the pre-inspection service information, the business status of the target transfer business is updated according to the pre-inspection business information.

8. The method according to claim 7, characterized in that, The process of having the target server process the transfer request further includes: The transfer request is sent to the interceptor, which analyzes the transfer request to obtain the transfer information. Update the business status of the target transfer transaction based on the transfer transaction information.

9. A transfer transaction processing device, characterized in that, The device includes: The first allocation module is used to allocate a target event number to the pre-check request in response to the target transfer transaction. The determination module is used to determine the target server from a set of preset servers based on the target event number; The inspection module is used to send the pre-inspection request to the target server so that the target server can perform a pre-inspection on the pre-inspection request; The generation module is used to generate a transfer request in response to the successful pre-check result received from the target server. The second allocation module is used to allocate an associated event number related to the target event number to the transfer request; and The processing module is used to send the transfer request to the target server according to the associated event number, so that the target server can process the transfer request.

10. An electronic device, comprising: One or more processors; Memory, used to store one or more computer programs. The characteristic feature is that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 8.

11. A computer-readable storage medium having a computer program or instructions stored thereon, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 8.

12. A computer program product, comprising a computer program or instructions, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 8.

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