Transaction fund processing method and device, equipment and storage medium

Abstract

The invention discloses a transaction fund processing method, device and equipment and a storage medium, and belongs to the field of financial science and technology, and the method comprises the steps: obtaining a fund processing request of a supervisor for a target transaction; the fund processing request comprises a target transaction type and a target transaction fund; determining a target transaction processing module according to the target transaction type; and calling the target transaction processing module, and executing fund transfer operation on the target transaction fund. According to the invention, the standardized and refined management of the transaction funds is realized, and the processing efficiency of the transaction funds is improved.

Description

Technical Field

[0001] This invention relates to the field of financial technology, and in particular to a method, apparatus, device, and storage medium for processing transaction funds. Background Technology

[0002] The investigation revealed the following problems with the current handling of financial transaction funds: First, the handling of transaction funds is not standardized. The use of a special account model to manage the funds of all transactions in a mixed manner results in a lack of transparency in the flow of funds for each transaction. Second, regulators need to manually record and reconcile accounts offline, resulting in low efficiency in handling transaction funds. Summary of the Invention

[0003] This invention provides a method, apparatus, device, and storage medium for processing transaction funds, so as to achieve standardized and refined management of transaction funds and improve the processing efficiency of transaction funds.

[0004] According to one aspect of the present invention, a transaction funds processing method is provided, the method comprising:

[0005] Obtain the regulatory authority's request for fund processing for the target transaction; the fund processing request includes the type of the target transaction and the amount of funds involved.

[0006] Determine the target transaction processing module based on the target transaction type;

[0007] Invoke the target transaction processing module to perform a fund transfer operation on the target transaction funds.

[0008] According to another aspect of the present invention, a transaction funds processing platform is provided, the platform comprising a first transaction processing module, a second transaction processing module, and a third transaction processing module: wherein,

[0009] The first transaction processing module is used to perform fund transfer operations on the transaction funds of the first type of transaction;

[0010] The second transaction processing module is used to perform fund transfer operations on the transaction funds of the second type of transaction;

[0011] The third transaction processing module is used to perform fund transfer operations on the funds of the third type of transaction.

[0012] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising:

[0013] At least one processor;

[0014] and a memory communicatively connected to at least one processor; wherein,

[0015] The memory stores a computer program that can be executed by at least one processor, such that the at least one processor is able to perform the transaction funds processing method of any embodiment of the present invention.

[0016] According to another aspect of the present invention, a computer-readable storage medium is provided, the computer-readable storage medium storing computer instructions for causing a processor to execute and implement the transaction fund processing method of any embodiment of the present invention.

[0017] According to another aspect of the present invention, a computer program product is provided, comprising a computer program that, when executed by a processor, implements the transaction funds processing method of any embodiment of the present invention.

[0018] The technical solution of this invention involves obtaining a fund processing request from a regulator regarding a target transaction. This request includes the target transaction type and the target transaction funds. Based on the target transaction type, a target transaction processing module is determined. This module is then invoked to perform a fund transfer operation on the target transaction funds. This technical solution, based on the regulator's fund processing request, utilizes the transaction processing module provided in the transaction fund processing platform to achieve full-process online processing of the target transaction funds. This eliminates the need for manual recording and reconciliation of fund flows, thereby improving the efficiency of fund processing. Furthermore, it achieves standardized and refined processing of the target transaction funds, making the flow of target transaction funds transparent.

[0019] It should be understood that the description in this section is not intended to identify key or essential features of the embodiments of the present invention, nor is it intended to limit the scope of the invention. Other features of the invention will become readily apparent from the following description. Attached Figure Description

[0020] To more clearly illustrate the technical solutions in the embodiments of the present invention, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0021] Figure 1 This is a flowchart of a transaction fund processing method provided in Embodiment 1 of the present invention;

[0022] Figure 2 This is a flowchart of a transaction fund processing method provided in Embodiment 2 of the present invention;

[0023] Figure 3A This is a schematic diagram of the structure of a transaction funds processing platform provided in Embodiment 3 of the present invention;

[0024] Figure 3B This is a schematic diagram of the structure of the first transaction processing module in a transaction fund processing platform provided according to Embodiment 3 of the present invention;

[0025] Figure 3C This is a schematic diagram of the structure of the second transaction processing module in a transaction fund processing platform provided according to Embodiment 3 of the present invention;

[0026] Figure 3D This is a schematic diagram of the structure of the third transaction processing module in a transaction fund processing platform provided according to Embodiment 3 of the present invention;

[0027] Figure 4 This is a schematic diagram of the structure of an electronic device that implements the transaction fund processing method of this invention. Detailed Implementation

[0028] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0029] It should be noted that the terms "target," "first," and "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0030] Furthermore, it should be noted that the personal information of the injured party collected in this invention is information and data authorized by the user or fully authorized by all parties. The collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data all comply with the relevant laws, regulations and standards of the relevant countries and regions, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding operation portals are provided for users to choose to authorize or refuse.

[0031] Example 1

[0032] Figure 1 This is a flowchart illustrating a transaction fund processing method according to Embodiment 1 of the present invention. This embodiment is applicable to the management of special transaction funds in financial institutions. The method is implemented through a transaction fund processing platform, which can be implemented in hardware and / or software and can be configured in an electronic device. Figure 1 As shown, the method includes:

[0033] S101. Obtain the regulatory authority's request for fund processing of the target transaction; the fund processing request includes the type of the target transaction and the funds involved.

[0034] The target transaction refers to the transaction for which fund transfer operations are required. The target transaction type refers to the type of the target transaction; optionally, the target transaction type can be a Category I, Category II, or Category III transaction. Category II transactions refer to transactions related to abnormal fund accumulation projects; Category III transactions refer to transactions related to bankruptcy liquidation projects; and Category I transactions refer to transactions that do not involve either abnormal fund accumulation projects or bankruptcy liquidation projects. Target transaction funds refer to the funds involved in the target transaction. The supervisory party refers to the party responsible for determining the target transaction funds and supervising the collection and transfer of these funds.

[0035] Specifically, the regulatory authority's request for fund processing of the target transaction can be obtained through the dedicated interactive interface provided by the transaction fund processing platform.

[0036] S102. Determine the target transaction processing module based on the target transaction type.

[0037] The target transaction processing module refers to the module within the transaction fund processing platform used to perform fund transfer operations on target transaction funds. Optionally, the target transaction processing module includes at least: a system management unit, an account management unit, a transaction management unit, a fund management unit, and a reconciliation management unit. The system management unit provides the regulator with functions for creating system users, roles, and transaction approval processes. The account management unit creates a unique account for each transaction. The transaction management unit maintains and updates transaction information, including but not limited to: transaction name, transaction identifier, transaction filing time, transaction handler, transaction funds, and transaction fund return plan. The fund management unit manages the collection and disbursement of transaction funds; optionally, the fund management unit may include a fund collection sub-unit and a fund disbursement sub-unit. The reconciliation management unit provides reconciliation statements that show the flow of transaction funds.

[0038] Specifically, if the target transaction type is a first type of transaction, then the target transaction processing module is determined to be the first transaction processing module in the transaction funds processing platform; if the target transaction type is a second type of transaction, then the target transaction processing module is determined to be the second transaction processing module in the transaction funds processing platform; if the target transaction type is a third type of transaction, then the target transaction processing module is determined to be the third transaction processing module in the transaction funds processing platform.

[0039] S103. Call the target transaction processing module to perform a fund transfer operation on the target transaction funds.

[0040] Specifically, the target transaction identifier can be used as an index to retrieve the target fund return plan from the transaction management unit within the target transaction processing module. Following the target fund return plan, the fund transfer operation is executed through the fund disbursement sub-unit of the fund management unit within the target transaction processing module to distribute the target transaction funds to the affected parties in the target transaction. The target transaction identifier is used to uniquely identify the target transaction. The target fund return plan refers to a normative document formulated by the regulatory authority for returning funds to the affected parties in the target transaction.

[0041] The technical solution of this invention involves obtaining a fund processing request from a regulator regarding a target transaction; the fund processing request includes the target transaction type and the target transaction funds; determining the target transaction processing module based on the target transaction type; and invoking the target transaction processing module to perform a fund transfer operation on the target transaction funds. This technical solution, based on the target transaction type in the regulator's fund processing request, utilizes a dedicated transaction processing module within the transaction fund processing platform to perform a fund transfer operation on the target transaction funds, achieving full online processing of the target transaction funds. This eliminates the need for manual bookkeeping and reconciliation of transaction funds, thereby improving the efficiency of transaction fund processing. Simultaneously, it also achieves standardized and refined processing of the target transaction funds, making the flow of target transaction funds transparent.

[0042] Example 2

[0043] Figure 2 This is a flowchart of a transaction fund processing method provided in Embodiment 2 of the present invention. Based on the above embodiments, this embodiment further optimizes the step of "calling the target transaction processing module to perform a fund transfer operation on the target transaction funds," providing an optional implementation scheme. It should be noted that parts not described in detail in this embodiment can be referred to the relevant descriptions in other embodiments. For example... Figure 2 As shown, the method includes:

[0044] S201. Obtain the regulatory authority's request for fund processing of the target transaction; the fund processing request includes the type of the target transaction and the funds for the target transaction.

[0045] S202. Determine the target transaction processing module based on the target transaction type.

[0046] Specifically, if the target transaction type is a first type of transaction, then the target transaction processing module is determined to be the first transaction processing module in the transaction funds processing platform; then, S203-S204 are executed. If the target transaction type is a second type of transaction, then the target transaction processing module is determined to be the second transaction processing module in the transaction funds processing platform; then, S205-S207 are executed. If the target transaction type is a third type of transaction, then the target transaction processing module is determined to be the third transaction processing module in the transaction funds processing platform; then, S208-S211 are executed.

[0047] S203. If the target transaction type is a first type of transaction, then the target fund return plan of the target transaction is obtained through the first transaction management unit in the first transaction processing module.

[0048] Specifically, the target transaction identifier can be entered into the search box in the first transaction management unit of the first transaction processing module. Using the target transaction identifier as an index, the target transaction information of the target transaction can be obtained from the first transaction management unit; and then the target fund return plan of the target transaction can be extracted from the target transaction information.

[0049] It should be noted that if the target transaction type is a first transaction, then in response to the regulator's request to create an account for the target transaction, a master account and a sub-account are created for the target transaction through the first account management unit in the first transaction processing module. The sub-account is associated with the target transaction through the target transaction number, and funds can be transferred between the sub-account and the master account.

[0050] S204. According to the target fund return plan, perform fund transfer operation on the target transaction funds through the first fund management unit in the first transaction processing module.

[0051] Specifically, based on the fund payer, the injured party, and the compensation amount specified in the target fund return plan, the compensation amount is collected from the fund payer through the fund collection sub-unit of the first fund management unit in the first transaction processing module, and then the compensation amount is distributed to the injured party through the fund disbursement sub-unit of the first fund management unit.

[0052] S205. If the target transaction type is a second type of transaction, then the determined amount of loss for each injured party in the target transaction is obtained through the second injured party management unit in the second transaction processing module.

[0053] The confirmed loss amount refers to the amount determined by the regulator after reviewing the loss amount declaration information of the injured party. It should be noted that for each injured party in the target transaction, the injured party can fill in the loss amount declaration information through the second injured party management unit in the second transaction processing module, based on the target announcement of the target transaction obtained through the second announcement management unit of the second transaction processing module. The loss amount declaration information includes, but is not limited to, the target transaction name, the target transaction identifier, the injured party's personal information, and the loss amount. It should also be noted that after reviewing the loss amount declaration information of each injured party in the target transaction, the regulator will again push the confirmed loss amount to each injured party through the second injured party management unit in the second transaction processing module.

[0054] Specifically, if the target transaction type is a second type of transaction, the second loss management unit in the second transaction processing module obtains the determined loss amount for each loss party in the target transaction by using the target transaction identifier as an index.

[0055] S206. Obtain the target fund return plan for the target transaction through the second transaction management unit in the second transaction processing module.

[0056] The target fund return plan includes, but is not limited to, the regulator, the affected party, the fund return ratio, and the fund return rules.

[0057] Specifically, the target transaction's target fund return plan is obtained through the second transaction management unit in the second transaction processing module, using the target transaction identifier as an index.

[0058] S207. Based on the determined amount of loss for each injured party in the target transaction and the target fund return plan, perform a fund transfer operation on the target transaction funds through the second fund management unit in the second transaction processing module.

[0059] Specifically, for each party that suffers losses in the target transaction, the determined amount of the loss is multiplied by the fund return ratio in the target fund return plan to obtain the fund to be returned to the party. The fund to be returned to the party is extracted from the target transaction funds and, in accordance with the fund return rules in the target fund return plan, the fund to be returned to the party is distributed to the party through the fund disbursement subunit of the second fund management unit in the second transaction processing module.

[0060] S208. If the target transaction type is a third type of transaction, then the loss determination amount for each loss party in the target transaction is obtained through the third loss party management unit in the third transaction processing module.

[0061] The determined amount of loss refers to the amount confirmed by the regulator after reviewing the loss declaration information submitted by the affected party. It should be noted that for each affected party in the target transaction, they can fill in the loss declaration information through the third-party loss declaration unit within the third transaction processing module, based on the target announcement obtained through the third announcement management unit of the target transaction. This loss declaration information includes, but is not limited to, the target transaction name, target transaction identifier, affected party's personal information, and the loss amount. It should also be noted that after reviewing the loss declaration information for each affected party in the target transaction, the regulator will again push the determined loss amount to each affected party through the third-party loss declaration unit within the third transaction processing module. Furthermore, for the third type of transaction, the regulator is also known as the bankruptcy administrator, which is generally an accounting firm or law firm.

[0062] Specifically, if the target transaction type is a third type of transaction, the third loss management unit in the third transaction processing module uses the target transaction identifier as an index to obtain the determined loss amount for each loss party in the target transaction.

[0063] S209. Based on the target transaction identifier of the target transaction, obtain the target whitelist of the target transaction through the third transaction management unit in the third transaction processing module; wherein, the target whitelist includes at least two damaged groups.

[0064] The target whitelist refers to the list of affected parties as verified by the regulator; optionally, the target whitelist may also include the priority of fund disbursement for each affected group.

[0065] Specifically, the target transaction identifier of the target transaction is input into the third transaction management unit in the third transaction processing module. Using the target transaction identifier as an index, the target transaction information of the target transaction is obtained from the third transaction management unit. Then, the target whitelist of the target transaction is extracted from the target transaction information.

[0066] S210. Based on the target whitelist, determine the target fund return plan for the target transaction through the meeting management unit in the third transaction processing module.

[0067] Specifically, for each affected group in the target whitelist, an online meeting is initiated through the meeting management unit in the third transaction processing module, and a fund return sub-plan for the affected group is determined through the online meeting; based on the fund return sub-plans for each affected group in the target whitelist and the fund disbursement priority for each affected group in the target whitelist, the target fund return plan for the target transaction is determined.

[0068] More specifically, for each affected group in the target whitelist, the regulator invites all affected parties in the affected group to participate in an online meeting through the online meeting function provided by the meeting management unit in the third transaction processing module. The affected parties in the affected group negotiate and determine the sub-plan for fund return for the affected group. According to the fund disbursement priority of each affected group in the target whitelist, the fund return sub-plans of each affected group in the target whitelist are combined to obtain the target fund return plan for the target transaction.

[0069] Understandably, for each affected group in the target whitelist, a sub-plan for fund return is determined through an online meeting vote for that affected group. Then, the fund return sub-plans of each affected group in the target whitelist are combined to obtain the target fund return plan for the target transaction. This improves the scientific nature, transparency, and credibility of the target fund return plan and enhances its feasibility.

[0070] S211. Based on the determined amount of loss for each injured party in the target transaction and the target fund return plan, execute a fund transfer operation on the target transaction funds through the third fund management unit in the third transaction processing module.

[0071] Specifically, for each injured party in the target transaction, the injured party's identifier is used as an index to obtain the corresponding fund return plan from the target fund return plan; the fund return ratio is extracted from the corresponding fund return plan; the determined amount of the injured party's loss is multiplied by the extracted fund return ratio to obtain the funds to be returned to the injured party; the funds to be returned to the injured party are extracted from the target transaction funds, and the funds to be returned to the injured party are distributed to the injured party through the fund distribution subunit of the third fund management unit in the third transaction processing module, according to the fund distribution priority of the injured party's injured group in the target fund return plan.

[0072] The technical solution of this invention involves obtaining a fund processing request from a regulator for a target transaction; the fund processing request includes the target transaction type and the target transaction funds; determining a target transaction processing module based on the target transaction type; if the target transaction type is a first type of transaction, obtaining a target fund return plan for the target transaction through a first transaction management unit in the first transaction processing module; and performing a fund transfer operation on the target transaction funds through the first fund management unit in the first transaction processing module based on the target fund return plan; if the target transaction type is a second type of transaction, obtaining the determined loss amount for each injured party in the target transaction through a second injured party management unit in the second transaction processing module; obtaining the target fund return plan for the target transaction through the second transaction management unit in the second transaction processing module; and determining the determined loss amount for each injured party in the target transaction based on the determined loss amount for each injured party in the target transaction. The process involves determining the amount and target fund return plan, and then performing a fund transfer operation on the target transaction funds through the second fund management unit in the second transaction processing module. If the target transaction type is a third-class transaction, the process involves obtaining the determined loss amount for each injured party in the target transaction through the third injured party management unit in the third transaction processing module. Based on the target transaction identifier of the target transaction, the process involves obtaining the target whitelist of the target transaction through the third transaction management unit in the third transaction processing module. The target whitelist includes at least two injured groups. Based on the target whitelist, the process involves determining the target fund return plan for the target transaction through the meeting management unit in the third transaction processing module. Finally, based on the determined loss amount for each injured party in the target transaction and the target fund return plan, the process involves performing a fund transfer operation on the target transaction funds through the third fund management unit in the third transaction processing module. The above technical solution, based on the target transaction type in the regulatory authority's request for fund processing of the target transaction, executes fund transfer operations on the target transaction funds through a dedicated transaction processing module in the transaction fund processing platform. This achieves full-process online processing of target transaction funds, eliminating the need for manual bookkeeping and reconciliation, thereby improving the efficiency of transaction fund processing. At the same time, it also achieves standardized and refined processing of target transaction funds, making the flow of target transaction funds transparent.

[0073] Example 3

[0074] Figure 3A This is a schematic diagram of a transaction fund processing platform provided in Embodiment 3 of the present invention. This embodiment is applicable to the management of special transaction funds of financial institutions. The transaction fund processing platform can be implemented in hardware and / or software and can be configured in an electronic device. Figure 3A As shown, the transaction processing platform 300 includes a first transaction processing module 301, a second transaction processing module 302, and a third transaction processing module 303; wherein,

[0075] The first transaction processing module 301 is used to perform fund transfer operations on the transaction funds of the first type of transaction;

[0076] The second transaction processing module 302 is used to perform fund transfer operations on the transaction funds of the second type of transaction;

[0077] The third transaction processing module 303 is used to perform fund transfer operations on the transaction funds of the third type of transaction.

[0078] Optional, see Figure 3B The first transaction processing module 301 includes a first system management unit 3011, a first account management unit 3012, a first transaction management unit 3013, a first funds management unit 3014, a first items management unit 3015, and a first reconciliation management unit 3016; wherein,

[0079] The first system management unit 3011 is used to provide the regulatory body that receives and reviews first-category transactions with functions for creating system users, roles, and transaction approval processes;

[0080] The first account management unit 3012 is used to create a unique account for each first type of transaction;

[0081] The first transaction management unit 3013 is used to maintain and update the transaction information of the first type of transaction;

[0082] The first fund management unit 3014 is used for the collection and disbursement management of funds for the first type of transactions;

[0083] The first item management unit 3015 is used to register and manage items involved in the first type of transactions;

[0084] The first reconciliation management unit 3016 is used to provide reconciliation statements that can show the flow of funds for the first type of transactions.

[0085] Optionally, the first transaction processing module 301 may also include a first announcement management unit 3017, which is used to manage the first type of transaction announcements issued by the regulator so that the affected parties of the corresponding transactions can be informed of the transaction progress in a timely manner.

[0086] Optional, see Figure 3C The second transaction processing module 302 includes a second system management unit 3021, a second account management unit 3022, a second transaction management unit 3023, a second loss-making party management unit 3024, a second fund management unit 3025, a second announcement management unit 3026, and a second reconciliation management unit 3027; wherein,

[0087] The second system management unit 3021 is used to provide the regulatory body that receives and reviews the second type of transactions with the functions of creating system users, roles and transaction approval processes;

[0088] The second account management unit 3022 is used to create a unique account for each type of second transaction;

[0089] The second transaction management unit 3023 is used to maintain and update the transaction information of the second type of transactions;

[0090] The second injured party management unit 3024 is used to manage the injured party information in the second type of transaction; wherein, the injured party information includes the injured party's personal information and the amount of loss;

[0091] The second fund management unit 3025 is used for the collection and disbursement management of funds for the second type of transactions;

[0092] The second announcement management unit 3026 is used to manage the second type of affairs announcements issued by the regulator, so that the affected parties of the relevant affairs can be informed of the progress of the affairs in a timely manner.

[0093] The second reconciliation management unit 3027 is used to provide reconciliation statements that can show the flow of funds for the second type of transactions.

[0094] Optional, see Figure 3D The third transaction processing module 303 includes a third system management unit 3031, a third account management unit 3032, a third transaction management unit 3033, a third loss-making party management unit 3034, a meeting management unit 3035, a third fund management unit 3036, a third announcement management unit 3037, and a third reconciliation management unit 3038; among which,

[0095] The third system management unit 3031 is used to provide the regulatory body that receives and reviews third-category transactions with functions for creating system users, roles, and transaction approval processes;

[0096] The third account management unit 3032 is used to create a unique account for each third type of transaction;

[0097] The third transaction management unit 3033 is used to maintain and update the transaction information of the third type of transaction;

[0098] The third-party management unit 3034 is used to manage information on the injured party in the third category of transactions; the injured party information includes the injured party's personal information and the amount of the appeal.

[0099] The meeting management unit 3035 is used to provide online meeting functionality so that the fund return plan for the third type of transaction can be maintained through online meetings;

[0100] The third announcement management unit 3037 is used to manage the third type of affairs announcements issued by the regulator, so that the parties affected by the relevant affairs can be informed of the progress of the affairs in a timely manner.

[0101] The third reconciliation management unit 3038 is used to provide reconciliation statements that can show the flow of funds for third-category transactions.

[0102] The technical solution of this invention provides regulators with self-service, meets their financial service needs, realizes standardized and refined management of special funds for financial institutions, and improves the management efficiency of special funds for financial institutions.

[0103] According to embodiments of the present invention, the present invention also provides an electronic device, a readable storage medium, and a computer program product.

[0104] Example 4

[0105] Figure 4 A schematic diagram of an electronic device 10, which can be used to implement embodiments of the present invention, is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processors, cellular phones, smartphones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely illustrative and are not intended to limit the implementation of the invention described and / or claimed herein.

[0106] like Figure 4 As shown, the electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory 12 or a random access memory 13, communicatively connected to the at least one processor 11. The memory stores computer programs executable by the at least one processor. The processor 11 can perform various appropriate actions and processes based on the computer program stored in the read-only memory 12 or loaded from storage unit 18 into the random access memory 13. The random access memory 13 may also store various programs and data required for the operation of the electronic device 10. The processor 11, read-only memory 12, and random access memory 13 are interconnected via a bus 14. An input / output interface 15 is also connected to the bus 14.

[0107] Multiple components in electronic device 10 are connected to I / O interface 15, including: input unit 16, such as keyboard, mouse, etc.; output unit 17, such as various types of displays, speakers, etc.; storage unit 18, such as disk, optical disk, etc.; and communication unit 19, such as network card, modem, wireless transceiver, etc. Communication unit 19 allows electronic device 10 to exchange information / data with other devices through computer networks such as the Internet and / or various telecommunications networks.

[0108] Processor 11 can be a variety of general-purpose and / or special-purpose processing components with processing and computing capabilities. Some examples of processor 11 include, but are not limited to, central processing units, graphics processing units, various special-purpose artificial intelligence computing chips, various processors running machine learning model algorithms, digital signal processors, and any suitable processor, controller, microcontroller, etc. Processor 11 performs the various methods and processes described above, such as transaction processing methods.

[0109] In some embodiments, the transaction funds processing method may be implemented as a computer program tangibly contained in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on electronic device 10 via read-only memory 12 and / or communication unit 19. When the computer program is loaded into random access memory 13 and executed by processor 11, one or more steps of the transaction funds processing method described above may be performed. Alternatively, in other embodiments, processor 11 may be configured to perform the transaction funds processing method by any other suitable means (e.g., by means of firmware).

[0110] Various embodiments of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field-programmable gate arrays, application-specific integrated circuits (ASICs), application-specific standard products (ASICs), systems-on-a-chip (SoCs), payload programmable logic devices, computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include implementations in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which may be a dedicated or general-purpose programmable processor, capable of receiving data and instructions from a storage system, at least one input device, and at least one output device, and transmitting data and instructions to the storage system, the at least one input device, and the at least one output device.

[0111] Computer programs used to implement the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when executed by the processor, the computer programs cause the functions / operations specified in the flowcharts and / or block diagrams to be performed. The computer programs may be executed entirely on a machine, partially on a machine, or as a standalone software package, partially on a machine and partially on a remote machine, or entirely on a remote machine or server.

[0112] In the context of this invention, a computer-readable storage medium can be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, apparatus, or device. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination thereof. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. More specific examples of machine-readable storage media include electrical connections based on one or more wires, portable computer disks, hard disks, random access memory, read-only memory, erasable programmable read-only memory, optical fibers, portable compact disk read-only memory, optical storage devices, magnetic storage devices, or any suitable combination thereof.

[0113] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a cathode ray tube or liquid crystal display) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user provides input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including sound input, voice input, or tactile input).

[0114] The systems and technologies described herein can be implemented in computing systems that include backend components (e.g., as data servers), or computing systems that include middleware components (e.g., application servers), or computing systems that include frontend components (e.g., user computers with graphical user interfaces or web browsers through which users can interact with implementations of the systems and technologies described herein), or any combination of such backend, middleware, or frontend components. The components of the system can be interconnected via digital data communication of any form or medium (e.g., communication networks). Examples of communication networks include local area networks (LANs), wide area networks (WANs), blockchain networks, and the Internet.

[0115] A computing system can include clients and servers. Clients and servers are generally located far apart and typically interact through communication networks. The client-server relationship is created by computer programs running on the respective computers and having a client-server relationship with each other. The server can be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to address the shortcomings of traditional physical hosts and virtual private servers, such as high management difficulty and weak business scalability.

[0116] It should be understood that the various forms of processes shown above can be used, with steps reordered, added, or deleted. For example, the steps described in this invention can be executed in parallel, sequentially, or in different orders, as long as the desired result of the technical solution of this invention can be achieved, and this is not limited herein.

[0117] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method for processing transaction funds, characterized in that, The method includes: Obtain the regulatory authority's request for fund processing for the target transaction; the fund processing request includes the type of the target transaction and the funds involved in the target transaction; Based on the target transaction type, determine the target transaction processing module; The target transaction processing module is invoked to perform a fund transfer operation on the target transaction funds.

2. The method according to claim 1, characterized in that, If the target transaction type is a first type of transaction, then the target transaction processing module is determined to be a first transaction processing module; The step of invoking the target transaction processing module to perform a fund transfer operation on the target transaction funds includes: The target fund return plan for the target transaction is obtained through the first transaction management unit in the first transaction processing module; According to the target fund return plan, the first fund management unit in the first transaction processing module performs a fund transfer operation on the target transaction funds.

3. The method according to claim 1, characterized in that, If the target transaction type is a second type of transaction, then the target transaction processing module is determined to be a second transaction processing module; The step of performing a fund transfer operation on the target transaction funds through the target transaction processing module includes: The determined amount of loss for each injured party in the target transaction is obtained through the second injured party management unit in the second transaction processing module. The target fund return plan for the target transaction is obtained through the second transaction management unit in the second transaction processing module; Based on the determined amount of loss for each injured party in the target transaction and the target fund return plan, the second fund management unit in the second transaction processing module performs a fund transfer operation on the target transaction funds.

4. The method according to claim 1, characterized in that, If the target transaction type is a third type of transaction, then the target transaction processing module is determined to be a third transaction processing module; The step of invoking the target transaction processing module to perform a fund transfer operation on the target transaction funds includes: The determined amount of loss for each injured party in the target transaction is obtained through the third injured party management unit in the third transaction processing module. Based on the target transaction identifier of the target transaction, the target whitelist of the target transaction is obtained through the third transaction management unit in the third transaction processing module; wherein, the target whitelist includes at least two damaged groups; Based on the target whitelist, the target fund return plan for the target transaction is determined through the meeting management unit in the third transaction processing module; Based on the determined amount of loss for each injured party in the target transaction and the target fund return plan, the third fund management unit in the third transaction processing module performs a fund transfer operation on the target transaction funds.

5. The method according to claim 4, characterized in that, Based on the target whitelist, the target fund return plan for the target transaction is determined through the meeting management unit in the third transaction processing module, including: For each affected group in the target whitelist, an online meeting is initiated through the meeting management unit in the third transaction processing module, and a sub-plan for the return of funds to the affected group is determined through the online meeting. Based on the fund return sub-plans for each affected group in the target whitelist and the fund disbursement priority for each affected group in the target whitelist, the target fund return plan for the target transaction is determined.

6. The method according to claim 4, characterized in that, The target whitelist also includes the priority of fund disbursement for each affected group.

7. A transaction funds processing platform, characterized in that, The transaction fund processing platform includes a first transaction processing module, a second transaction processing module, and a third transaction processing module; wherein... The first transaction processing module is used to perform fund transfer operations on the transaction funds of the first type of transaction; The second transaction processing module is used to perform fund transfer operations on the transaction funds of the second type of transaction; The third transaction processing module is used to perform fund transfer operations on the transaction funds of the third type of transaction.

8. An electronic device, characterized in that, The electronic device includes: At least one processor; and A memory communicatively connected to the at least one processor; wherein, The memory stores a computer program that can be executed by the at least one processor, the computer program being executed by the at least one processor to enable the at least one processor to perform the transaction funds processing method according to any one of claims 1-6.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions that cause a processor to execute the transaction funds processing method according to any one of claims 1-6.

10. A computer program product comprising a computer program that, when executed by a processor, implements the transaction funds processing method of any one of claims 1-6.

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