Credit card authorization method, device, medium and system

Abstract

The invention provides a credit card authorization method, device, medium and system, and the method comprises the steps: obtaining a transaction message, carrying out the preprocessing of the transaction message, obtaining key domain information, and enabling a key domain to comprise a card organization, a message type, a transaction processing code and a network management information code; performing transaction type identification on the key domain information by adopting a multi-scale identification mode to obtain a target transaction type; and executing the corresponding check item based on the target transaction type, and performing authorization processing on the credit card under the condition that the check is passed. Therefore, the problem that a credit card authorization scheme in the related technology is difficult to adapt to a complex scene is solved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of bank systems, in particular to a credit card authorization method, a credit card authorization device, a computer readable storage medium and a credit card authorization system. BACKGROUND

[0002] A credit card serves a cardholder and various types of consumption scenarios, and a core authorization system of the credit card is responsible for deciding whether a transaction is approved, so how to realize reliable, stable and fast authorization checking is an important prerequisite for ensuring a series of legal financial activities. In actual use, first, a conventional authorization checking method is implemented through fixed codes on the technical side, and if the business side needs to maintain transaction types or checking processes, the source program needs to be modified; second, since there are many checking steps for credit card transactions, the response time is long, many checking steps are independent of each other and do not have a dependency relationship, so there are problems such as poor scalability, poor flexibility, high maintenance cost, long response time and the like, and the method cannot adapt to subdivided and variable actual transaction scenarios.

[0003] That is, the credit card authorization scheme of the related art is difficult to apply to complex scenarios. SUMMARY

[0004] The main purpose of the present application is to provide a credit card authorization method, a credit card authorization device, a computer readable storage medium and a credit card authorization system to at least solve the problem that the credit card authorization scheme of the related art is difficult to apply to complex scenarios.

[0005] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a credit card authorization method is provided, including: acquiring a transaction message and preprocessing the transaction message to obtain key field information, the key field including a card organization, a message type, a transaction processing code and a network management information code; using a multi-scale recognition method to recognize the transaction type of the key field information to obtain a target transaction type; based on the target transaction type, performing corresponding checking items, and in the case of passing the verification, performing authorization processing on the credit card.

[0006] Optionally, using a multi-scale recognition method to recognize the transaction type of the key field information to obtain a target transaction type includes: using a transaction major type recognition rule to recognize the transaction major type of the key field information to obtain a target transaction major type; using a transaction minor type recognition rule to recognize the transaction minor type of the key field information to obtain a target transaction minor type, the recognition item of the transaction minor type being the most fine-grained recognition item in the transaction minor type recognition dimension, and the transaction major type including a plurality of transaction minor types; and determining the target transaction type according to the target transaction major type and the target transaction minor type.

[0007] Optionally, performing the corresponding check item based on the target transaction type comprises: determining a target check item set according to a check item set mapping relationship and the target transaction type, the check item set mapping relationship being a mapping relationship between a check item set and a transaction type, the check item set comprising a plurality of check items; and performing each check item of the target check item set.

[0008] Optionally, performing each check item of the target check item set comprises: sorting all check items of the target check item set according to a priority of each check item to obtain a to-be-executed sequence; and sequentially performing each check item of the target check item set according to the to-be-executed sequence.

[0009] Optionally, the method further comprises: in a process of performing each check item of the target check item set, and in a case where a plurality of check items with the same priority exist, performing the check items with the same priority in parallel.

[0010] Optionally, performing the corresponding check item based on the target transaction type comprises: performing at least one of the following check items based on the target transaction type: quota check, card state check, validity period check, flow control check, and risk assessment check.

[0011] Optionally, performing the corresponding check item based on the target transaction type comprises: in a case where a plurality of check items with a logical order exist among all to-be-executed check items, sequentially performing each to-be-executed check item according to the logical order.

[0012] According to another aspect of the present application, a credit card authorization device is provided, comprising: an acquisition unit configured to acquire a transaction message, and preprocess the transaction message to obtain key field information, the key field comprising a card organization, a message type, a transaction processing code, and a network management information code; a first processing unit configured to identify a target transaction type of the key field information by using a multi-scale identification manner; and a second processing unit configured to perform a corresponding check item based on the target transaction type, and perform authorization processing on a credit card in a case where the check item is passed.

[0013] According to still another aspect of the present application, a computer readable storage medium is provided, comprising a stored program, wherein the program controls a device where the computer readable storage medium is located to perform any of the methods when the program is running.

[0014] According to yet another aspect of the present application, there is provided a credit card authorization system comprising one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs comprising instructions for performing any of the methods described.

[0015] By applying the technical solution of the present application, the key field information of the transaction message is acquired, and the information is analyzed by using a multi-scale recognition method, so that the target transaction type can be more accurately recognized. This method not only considers the basic properties of the transaction (such as card organization, message type, etc.), but also can subdivide the transaction type according to more detailed transaction processing codes and network management information codes, so as to adapt to the needs of more complex transaction scenarios. Based on the target transaction type, the system can dynamically select and configure the corresponding check items. This means that when the business rules change, the underlying code does not need to be modified, but only the configuration needs to be adjusted, which greatly reduces the maintenance cost and the update cycle, improves the flexibility and scalability of the system. When executing the check items, the method of the present application supports serial and parallel processing. For check items that have no logical dependency relationship, they can be performed at the same time, which can significantly shorten the overall response time. Even in the case of a surge in transaction volume, the processing efficiency can be maintained at a high level, thereby improving the user experience and system throughput. Through the message passing mechanism of the global data structure, the processing result of the previous check item can be immediately obtained by the subsequent check item, avoiding repeated calculation and unnecessary data transmission, and further optimizing the system performance. Thus, the problem that the credit card authorization scheme of the related art is difficult to adapt to complex scenarios is solved. BRIEF DESCRIPTION OF DRAWINGS

[0016] The accompanying drawings, which form a part of the present application, are intended to provide further understanding of the present application, and are used to interpret the illustrative embodiments of the present application and their descriptions, and do not constitute improper limitations to the present application. In the drawings:

[0017] Figure 1 A flowchart of a credit card authorization method according to an embodiment of the present application is shown;

[0018] Figure 2 A structural block diagram of a credit card authorization device according to an embodiment of the present application is shown. DETAILED DESCRIPTION

[0019] It should be noted that the embodiments and features in the present application can be combined with each other without conflict. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0020] In the following, the technical solutions in the embodiments of the present application will be clearly and completely described with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments of the present application. Based on the embodiments in the present application, all the other embodiments obtained by a person of ordinary skill in the art without creative effort should fall within the protection scope of the present application.

[0021] It should be noted that the terms "first", "second", and the like in the description and claims of the present application and the above-described accompanying drawings are used to distinguish similar objects, and do not necessarily indicate a specific order or a chronological sequence. It should be understood that the data thus used can be interchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product, or device including a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but can include other steps or units not clearly listed or inherent to the process, method, product, or device.

[0022] As introduced in the background, a credit card serves a cardholder and various types of consumption scenarios, and a core authorization system of the credit card is responsible for deciding whether a transaction is approved, so how to implement reliable, stable, and fast authorization checking is an important prerequisite for ensuring a series of legal financial activities. In actual use, first, a conventional authorization checking method is implemented through a fixed code on the technical side, and once the business side needs to maintain a transaction type or a checking process, the source program needs to be modified; second, since there are many checking steps for a credit card transaction, the response time is long, many checking steps are independent of each other and do not exist in a dependent relationship, and therefore there are problems such as poor extensibility, poor flexibility, high maintenance cost, and long response time, which cannot adapt to actual transaction scenarios that are subdivided and variable. To solve the problem that the credit card authorization scheme of the related art is difficult to apply to complex scenarios, embodiments of the present application provide a credit card authorization method, a credit card authorization device, a computer readable storage medium, and a credit card authorization system.

[0023] In the following, the technical solutions in the embodiments of the present application will be clearly and completely described with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments of the present application. Based on the embodiments in the present application, all the other embodiments obtained by a person of ordinary skill in the art without creative effort should fall within the protection scope of the present application.

[0024] In the present embodiment, a credit card authorization method is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described herein can be executed in an order different from that shown herein.

[0025] Figure 1is a flowchart of a credit card authorization method according to an embodiment of the present application. As shown in Figure 1 the method comprises the following steps:

[0026] Step S101, obtain a transaction message, and preprocess the transaction message to obtain key field information, the key field including card organization, message type, transaction processing code, and network management information code;

[0027] Step S102, identify the transaction type of the key field information using a multi-scale recognition method to obtain a target transaction type;

[0028] Step S103, perform corresponding check items based on the target transaction type, and authorize the credit card if the check is passed.

[0029] In the above steps, by obtaining the key field information of the transaction message and analyzing these information using a multi-scale recognition method, the target transaction type can be more accurately identified. This method not only considers the basic attributes of the transaction (such as card organization, message type, etc.), but also can subdivide the transaction type according to more detailed transaction processing code and network management information code, thereby adapting to the needs of more complex transaction scenarios. Based on the target transaction type, the system can dynamically select and configure corresponding check items. This means that when the business rules change, the underlying code does not need to be modified, only the configuration needs to be adjusted, greatly reducing the maintenance cost and update cycle, improving the flexibility and scalability of the system. When performing the check items, the method of the present application supports serial and parallel processing. For check items that have no logical dependency, they can be performed simultaneously, which can significantly shorten the overall response time. Even in the case of a surge in transaction volume, the processing efficiency can be maintained at a high level, thereby improving user experience and system throughput. Through the message passing mechanism of the global data structure, the processing results of the previous check items can be immediately obtained by the subsequent check items, avoiding repeated calculation and unnecessary data transmission, further optimizing the system performance. Thus, the problem that the credit card authorization scheme of the related art is difficult to adapt to complex scenarios is solved.

[0030] In an embodiment of the present application, the multi-scale recognition method is used to identify the transaction type of the key field information to obtain the target transaction type, including: using a transaction major type identification rule to identify the transaction major type of the key field information to obtain a target transaction major type; using a transaction minor type identification rule to identify the transaction minor type of the key field information to obtain a target transaction minor type, the identification item of the transaction minor type being the most fine-grained identification item in the transaction minor type identification dimension, and the transaction major type including a plurality of transaction minor types; determining the target transaction type according to the target transaction major type and the target transaction minor type.

[0031] Specifically, this method can more accurately determine the specific nature of a transaction by first identifying the broad category type of the transaction and then further refining to the fine category type of the transaction. Since the broad category type of the transaction covers a wider range of transaction categories, while the fine category type of the transaction focuses on more specific transaction scenarios, this multi-scale identification can take into account various details and improve the accuracy of identification. Multi-scale identification makes full use of the hierarchical relationship between the broad and fine categories of transactions. In the early stage of identification, the basic type of the transaction is quickly filtered out through the transaction broad category type identification rule, and then the transaction fine category type identification rule is applied in a smaller range, reducing unnecessary computational load and speeding up the overall transaction type identification process. This method allows adjustments to be made at different identification dimensions. The transaction broad category type identification rule can handle more general transaction scenarios, while the transaction fine category type identification rule can be customized for specific, more complex transaction situations. This allows the system to be more flexible in adapting to changing market environments and business needs. The transaction type identification rules are divided into two levels of broad and fine categories, which helps manage and update the rules. When adding or modifying transaction types, adjustments can be made only at the corresponding level without the need for large-scale reconstruction of the entire identification system. This modular design simplifies the maintenance of the rule system. By identifying the broad and fine categories of transactions, more detailed information about the transactions can be obtained. This is very beneficial for subsequent business analysis and decision support, as more detailed transaction types can reveal deeper business patterns and potential problems, guiding the optimization of business processes and improving user experience.

[0032] In an embodiment of the present application, the corresponding check items are executed based on the target transaction type, including: determining a target check item set according to the check item set mapping relationship and the target transaction type, the check item set mapping relationship being a mapping relationship between a check item set and a transaction type, and the check item set including a plurality of check items; and executing each of the check items in the target check item set.

[0033] By mapping the check items to transaction types, the system can automatically invoke the corresponding set of check items based on different transaction types without hardcoding the check process, greatly enhancing the flexibility of the system. At the same time, this design also simplifies the error code management and exception handling process, as the error codes and exception handling logic are centralized in the check item set associated with a specific transaction type, facilitating maintenance and expansion. Each transaction type has its unique business rules and compliance requirements. The mapping relationship ensures that the system only performs appropriate check items for relevant transaction types, which can more accurately detect and report abnormal situations, avoiding the execution of irrelevant check items and reducing the possibility of false positives. By defining a unified check item set mapping relationship, it can ensure that all similar transaction types are processed in accordance with the same standards, helping to establish consistent error reporting and exception handling processes. This not only improves the efficiency of developers, but also enhances customer experience, as customers will receive clear, consistent, and easy-to-understand error feedback. Targeted execution of check items can reduce unnecessary computation and resource consumption, which is particularly important for improving overall system performance in scenarios with a large number of transaction requests. Avoiding the execution of the same redundant checks on all transaction types can significantly reduce processing time and server load. When the system encounters an exception, developers can quickly locate the specific transaction type and check item that caused the exception through the check item set mapping relationship, greatly shortening the problem troubleshooting time. In addition, since the error codes are closely related to the check item set, the compliance and information dynamic supplement functions of the error codes also make problem diagnosis clearer and more accurate. The definition and mapping relationship of the check item set can be dynamically adjusted as business requirements change. This enables the system to quickly adapt to new business rules or external regulatory requirements, such as anti-fraud policy updates in credit card authorization business, without modifying the code, thereby improving the business adaptability and response speed of the system. Based on the target transaction type, the corresponding check items are executed, which not only improves the flexibility and maintainability of the system, but also enhances the accuracy of exception handling, improves system performance, simplifies problem troubleshooting, and supports dynamic configuration and business adaptability of the system, playing an important role in the efficient and stable operation of credit card authorization business.

[0034] In an embodiment of the present application, each of the above-mentioned check items of the target check item set is executed, including: sorting all the above-mentioned check items of the target check item set according to the priority of each of the above-mentioned check items to obtain a to-be-executed sequence; and executing each of the above-mentioned check items of the target check item set in turn according to the to-be-executed sequence.

[0035] In particular, by prioritizing, high-priority checks can be ensured to be executed first in case of limited processing resources, so that critical issues can be identified faster and excessive time is not wasted on low-priority checks. For example, in an authorization business, high-priority checks can be those directly related to security or compliance, which should be executed first to ensure the safety and legality of transactions. The priority of a check is usually related to its importance in the business process. Executing high-priority checks first can ensure that errors that have a significant impact on the business are not missed. In a complex authorization business scenario, some checks can be crucial to the normal operation of the business, and executing them first can prevent important errors that can cause transactions to fail or legal risks. In some cases, prioritization can help quickly identify and handle errors that directly affect user perception. For example, a high-priority check related to user information verification, if it can be quickly identified and handled at the beginning of the user transaction, can reduce user waiting time, improve transaction success rate and user satisfaction. Prioritization enables the system to dynamically adjust the execution order of checks according to business needs and environmental changes at runtime. For example, if a certain type of error occurs frequently within a certain period of time, its priority can be temporarily raised to identify and handle such errors more quickly, thereby improving the system's response ability and stability.

[0036] In an embodiment of the present application, the above method further comprises: in the process of executing each of the above target check items, and in the case where there are multiple above checks with the same priority, executing the above checks with the same priority in parallel.

[0037] In particular, by executing the same priority check items in parallel, the waiting time in the authorization business process can be significantly reduced. Because in the traditional serial execution mode, each check item needs to wait for the previous check item to complete before starting, which can lead to a longer overall processing time. Parallel execution allows these check items to run simultaneously, thereby shortening the overall processing time and improving the efficiency of business processing. Parallel processing can better utilize system resources, especially in multi-core or distributed computing environments. Multiple check items can be assigned to different processors or nodes to run simultaneously, thus avoiding the idle of resources, making the computing resources more fully utilized. In high concurrency scenarios, parallel execution of check items can enhance the responsiveness of the system. This means that even in the case of a large number of transaction requests arriving simultaneously, the system can respond faster by processing the check items in these requests in parallel, reducing transaction delays. Parallel execution of check items of the same priority can simplify the process control logic. In the serial mode, the execution order of each check item needs to be precisely controlled, while in the parallel mode, check items of the same priority can start executing simultaneously, reducing the strict dependence on the order of the process, making the management of the business process more flexible.

[0038] In an embodiment of the present application, the corresponding check items are executed based on the target transaction type, including: executing at least one of the following check items based on the target transaction type: quota check, card state check, validity period check, flow control check and risk assessment check.

[0039] In particular, implementing specific check measures for each transaction type can effectively prevent and reduce transaction failures or system failures caused by card state abnormalities, insufficient credit, high transaction frequency or potential fraudulent behavior, thereby enhancing the stability and security of the overall system. Early identification and processing of user-ignorable problems such as expired cards and insufficient credit can provide clear error information to users in a timely manner, guide users to solve problems, avoid subsequent transaction delays or failures, and thus improve user experience satisfaction. For different transaction types, targeted check and control measures can avoid unnecessary resource consumption, such as frequent flow or quota checks for invalid transactions, which helps to optimize system performance and resource allocation. The customized check mechanism according to the transaction type can quickly locate the problem, reduce troubleshooting time, thereby speeding up the exception handling process and ensuring rapid recovery of transactions to normal.

[0040] In an embodiment of the present application, the corresponding check items are executed based on the target transaction type, including: in the case where there are multiple check items with a logical order among all the check items to be executed, the check items to be executed are executed in turn according to the logical order.

[0041] Specifically, by executing the check items in logical order, it can be ensured that each step of the check is carried out according to the established business process, and no necessary check step is missed, thereby guaranteeing the integrity and accuracy of the authorization business. Since the check items are executed in logical order, once an exception occurs during execution, the problem can be quickly located through the executed check items and the breakpoint, which helps developers quickly troubleshoot and repair faults, reduces troubleshooting time, and improves problem solving efficiency. The logical order of the check item execution can avoid the repeated use and waste of resources. For example, if the previous check has determined the legality of the transaction, the subsequent check can skip those repeated verification steps and directly enter the higher level check, which can save system resources and improve processing speed. The ordered check process makes the system control more accurate for specific scenarios. For example, it can be preset to stop subsequent checks when certain specific error codes appear, or to allow skipping non-critical checks in other cases, which enables the system to flexibly adjust the check process according to different abnormal situations, enhancing its adaptability to complex business scenarios.

[0042] It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although the logical order is shown in the flowchart, in some cases, the steps shown or described herein can be executed in an order different from that shown.

[0043] The method flow of the present application includes:

[0044] S1: Based on the authorization business check rules, the functional range of each component is filtered from the business dimension to form a number of check items.

[0045] Further, in the S1 step, the authorization rules are decoupled based on the modular architecture design, and the check function is atomized and split by the domain-driven design method to form independent functional service units. The above-mentioned functional service units are authorization check items, which have the characteristics of high cohesion and low coupling, can avoid repeated development and functional redundancy of codes in different subsystems, and reduce maintenance costs. The above-mentioned check items are essentially atomic components in the functional dimension, which are public units that need to be arranged and cannot be executed by the server alone.

[0046] Optionally, in the above-mentioned credit card engine authorization method S1 step, the check items include quota check, quota update, traffic control, card state check, validity period check, etc.

[0047] S2: Support for rule maintenance management and workflow approval of the authorization check group. The check group of the transaction category and the transaction subcategory can be configured, and all configurations take effect in real time after approval to ensure quick response to business needs.

[0048] Optionally, in the credit card engine-based authorization method S2, the transaction categories include: consumption, repayment, return, deposit, cash withdrawal, and reverse transactions.

[0049] Optionally, the rule management of the transaction categories and sub-categories includes functions such as rule details query, addition, modification, deletion, recovery, list query, and historical version. The rules have active and inactive states. After the approval, the new version of the rule is active, and the previous version is automatically inactive after the new version is active. If the rule approval is rejected, the workflow is returned to the applicant for modification, and a version change occurs, that is, the original rejected version is retained, and its state is inactive.

[0050] Optionally, in the credit card engine-based authorization method S2, the following steps are further included: the authorization check group can mount several different check items in sequence, and the global data structure is used for message transmission between components. The components support serial and parallel execution, which can shorten the response time and improve code reuse.

[0051] Further, when arranging the check items, the page interaction method is used instead of manually writing configuration files, which improves the efficiency and accuracy of service arrangement, reduces the development and learning cost, and has the advantages of configurability, low-code development, and business-friendly.

[0052] S3: Transaction category type identification. When the credit card online transaction occurs, the transaction message is obtained, and the transaction message is parsed according to the bitmap to read the information in the transaction message. According to the pre-configured transaction identification rule, the key domain information is used for transaction category matching identification.

[0053] Optionally, in the credit card engine-based authorization method S3, the key message domain includes: card organization, message type, transaction processing code, and network management information code.

[0054] S4: Transaction sub-category type identification (if any). The identification factor of the transaction sub-category represents the most fine-grained identification item in the transaction sub-category identification dimension. Multiple identification factors together constitute the transaction sub-category identification rule. The identification factor is pre-set in the system, and the identification factor is determined according to the value of different domains in the sent message.

[0055] Optionally, the matching method of the identification factor includes: equal, not equal, greater than, less than, and contains.

[0056] Further, the same transaction type category and transaction type subcategory need to be distinguished by priority, and when the uploaded transaction information matches multiple rules, the priority is filtered and returned. According to the configured transaction identification rule, the transaction is identified, the transaction type code is determined, and there are three cases: matching one transaction identification rule, matching multiple transaction identification rules, and not matching any transaction identification rule. When a transaction only meets one transaction identification rule, the transaction is identified as the transaction type configured in the transaction identification rule. When a transaction meets multiple transaction identification rules, the transaction type of the transaction is determined according to the priority of the transaction identification rule, and the transaction type code in the transaction identification rule with high priority is recorded as the transaction type code of the transaction. That is, after completing the transaction scene identification of each transaction, only one transaction type code information is recorded, which can be a transaction category type or a transaction subcategory type.

[0057] S5: Engine authorization check. According to the transaction type code of the online transaction obtained in the foregoing steps, the authorization check rule is automatically matched, the check logic preset in the authorization check rule is executed, including the specified authorization check component, the authorization check mode, and the priority of the authorization check component.

[0058] Further, according to the transaction type matching authorization check rule, when one authorization check rule is matched, the authorization check rule is matched successfully. According to the transaction type, when no authorization check rule is matched, the transaction is rejected, and it is prompted that no rule is matched.

[0059] Optionally, the authorization check supports serial check and parallel check of the check items. If the priorities of the authorization check components in the authorization check rule are the same, it is parallel check; if the priorities of the authorization check components in the authorization check rule are different, the check components are checked and processed according to the priority order, the check component with high priority is executed first, and the check component with low priority is executed later. Serial check is sequential check of the check components, and after one check component is checked and ended, the next check component is executed. Parallel check is that several check components start checking at the same time.

[0060] Optionally, the dependence between the check steps in the credit card online transaction can be analyzed, the check steps without dependence in the online transaction are determined, and multi-threading is used for parallel processing. The system utilization rate can be increased, and the response time of the online transaction is shortened.

[0061] Further, S5 further includes the following steps: a global data structure is used for message transmission between components, and after the pre-processing is executed, all the information required by the subsequent check items can be obtained, so that repeated calculation is avoided.

[0062] S6: authorization check post-processing. A full life cycle management mechanism of authorization result is established, and the authorization check result and its related information are generated and recorded, and the check result is pass or rejection. If the authorization check result is rejection, the specific rejection reason is recorded and persisted to the distributed log system.

[0063] Optionally, in the above method, the authorization check component and the response mode configured according to the authorization check rule are checked and processed, and the authorization supports multiple mode responses to the front-end business system.

[0064] Optionally, the authorization check result details are recorded, and after the authorization check of the credit card core authorization system, the check result of each rejected authorization check component is recorded, and each rejected response code corresponds to only one rejected scenario. The authorization transaction rejection description information is not only the response code information in the form of numerical value, but also the numerical and textual mode for facilitating business personnel to understand.

[0065] Further, the decision process and result of each online transaction are recorded, and the above method further includes: the result of the authorization check generates a globally unique response code, and at the same time, a unique global serial number is generated, and the global execution interface and state data change of the transaction can be observed. When all the authorization check components cannot be successfully executed, the error service component is determined and the error information is returned.

[0066] The embodiment of the application further provides an authorization device for a credit card. It should be noted that the authorization device for a credit card of the embodiment of the application can be used to execute the authorization method for a credit card provided by the embodiment of the application. The device is used to realize the above-mentioned embodiments and preferred embodiments, and will not be described again. As used below, the term "module" can be a combination of software and / or hardware that realizes a predetermined function. Although the device described in the following embodiments is preferably realized in software, the realization of hardware, or a combination of software and hardware, is also possible and is conceived.

[0067] The authorization device for a credit card provided by the embodiment of the application is introduced below.

[0068] Figure 2 is a schematic diagram of the authorization device for a credit card according to the embodiment of the application. As shown in Figure 2 , the device includes:

[0069] The acquisition unit 21 is configured to acquire a transaction message, and preprocess the transaction message to obtain key field information, wherein the key field information includes a card organization, a message type, a transaction processing code, and a network management information code; the first processing unit 22 is configured to identify a target transaction type of the key field information by using a multi-scale identification manner; and the second processing unit 23 is configured to perform a corresponding check item based on the target transaction type, and perform authorization processing on the credit card if the check is passed.

[0070] In an embodiment of the present application, the first processing unit includes: a first processing module configured to identify a target transaction major type of the key field information by using a transaction major type identification rule; a second processing module configured to identify a target transaction minor type of the key field information by using a transaction minor type identification rule, wherein the identification item of the transaction minor type is the most fine-grained identification item in a transaction minor type identification dimension, and the transaction major type includes a plurality of the transaction minor types; and a third processing module configured to determine the target transaction type according to the target transaction major type and the target transaction minor type.

[0071] In an embodiment of the present application, the second processing unit includes: a fourth processing module configured to determine a target check item set according to a check item set mapping relationship and the target transaction type, wherein the check item set mapping relationship is a mapping relationship between a check item set and a transaction type, and the check item set includes a plurality of check items; and a fifth processing module configured to perform each of the check items in the target check item set.

[0072] In an embodiment of the present application, the fifth processing module includes: a first processing submodule configured to sort all the check items in the target check item set according to a priority of each of the check items to obtain a to-be-executed sequence; and a second processing submodule configured to sequentially execute each of the check items in the target check item set according to the to-be-executed sequence.

[0073] In an embodiment of the present application, the device further includes a third processing unit configured to, in a process of executing each of the check items in the target check item set, and in a case where a plurality of check items with the same priority exist, execute the check items with the same priority in parallel.

[0074] In an embodiment of the present application, the second processing unit includes: a sixth processing module configured to perform at least one of the following check items based on the target transaction type: a quota check, a card state check, a validity period check, a flow control check, and a risk assessment check.

[0075] In an embodiment of the present application, the second processing unit comprises a seventh processing module for sequentially executing each of the to-be-executed checking items in accordance with the logical sequence in the case that there are logical sequences among the to-be-executed checking items.

[0076] The authorization device of the credit card comprises a processor and a memory, and the above-mentioned acquisition unit, the first processing unit and the second processing unit are stored in the memory as program units, and the corresponding functions are realized by the processor executing the above-mentioned program units stored in the memory. The above-mentioned modules are located in the same processor; or, the above-mentioned modules are respectively located in different processors in any combination.

[0077] The processor comprises a core, and the core retrieves the corresponding program unit from the memory. The core can be one or more, and the problem that the credit card authorization scheme of the related art is difficult to apply to complex scenarios can be solved by adjusting the core parameters.

[0078] The memory can comprise a non-permanent memory in a computer readable medium, a random access memory (RAM) and / or a non-volatile memory such as a read-only memory (ROM) or a flash memory (flash RAM), and the memory comprises at least one memory chip.

[0079] The embodiment of the present application provides a computer readable storage medium, and the computer readable storage medium comprises a stored program, wherein the computer readable storage medium controls a device where the computer readable storage medium is located to execute the authorization method of the credit card when the program runs.

[0080] The embodiment of the present application provides a processor, and the processor is used for running a program, wherein the processor executes the authorization method of the credit card when the program runs.

[0081] The present application also provides a credit card authorization system, comprising one or more processors, a memory and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs comprise a program for executing any of the above-mentioned methods.

[0082] The embodiment of the present application provides a device, and the device comprises a processor, a memory and a program stored in the memory and capable of running on the processor, and the processor executes the program to realize at least the following steps: acquiring a transaction message, and preprocessing the transaction message to obtain key field information, wherein the key field comprises a card organization, a message type, a transaction processing code and a network management information code; adopting a multi-scale identification mode to identify the transaction type of the key field information to obtain a target transaction type; performing a corresponding checking item based on the target transaction type, and performing authorization processing on the credit card in the case that the checking item passes the verification.

[0083] The device herein can be a server, a PC, a PAD, a mobile phone, etc.

[0084] The application further provides a computer program product, which is suitable for executing the program of the following method steps when executed on a data processing device: obtaining a transaction message, and preprocessing the transaction message to obtain key field information, the key field including a card organization, a message type, a transaction processing code, and a network management information code; using a multi-scale recognition mode to recognize the transaction type of the key field information to obtain a target transaction type; performing corresponding checking items based on the target transaction type, and performing authorization processing on the credit card in the case of passing the checking.

[0085] Obviously, those skilled in the art should understand that the modules or steps of the present application described above can be realized by general computing devices, which can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, which can be realized by program codes executable by the computing devices, so that they can be stored in storage devices and executed by the computing devices, and in some cases, the steps shown or described can be executed in different orders, or they can be manufactured into individual integrated circuit modules, or multiple modules or steps can be manufactured into a single integrated circuit module. Thus, the present application is not limited to any particular combination of hardware and software.

[0086] Those skilled in the art should understand that the embodiments of the present application can be provided as a method, a system, or a computer program product. Therefore, the present application can adopt a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer usable storage media containing computer usable program codes (including but not limited to disk storage, CD-ROM, optical storage, etc.).

[0087] The present application is described with reference to flowcharts and / or block diagrams according to the methods, devices (systems), and computer program products of the embodiments of the present application. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of the flows and / or blocks in the flowcharts and / or block diagrams can be realized by computer program instructions. These computer program instructions can be provided to a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to produce a machine, so that the instructions executed by the computer or other programmable data processing devices produce a device that implements the functions specified in the flowcharts and / or block diagrams. Figure 1 The functions specified in one flow or multiple flows and / or blocks Figure 1 The devices that realize the functions specified in one block or multiple blocks.

[0088] These computer program instructions can also be stored in a computer- readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instructions which implement the Figure 1 function specified in the flow or flows and / or blocks Figure 1 of the block or blocks.

[0089] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the Figure 1 function specified in the flow or flows and / or blocks Figure 1 of the block or blocks.

[0090] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0091] The memory can include non-persistent memory and / or volatile memory, such as a random access memory (RAM) including a cache area for the temporary storage of data. The memory can also include non-volatile memory, such as read only memory (ROM), electrically programmable read only memory (EPROM), electrically erasable programmable read only memory (EEPROM), flash memory, or non-volatile random access memory (NVRAM), for the storage of information, such as data files or program

[0092] Computer readable media includes permanent and non-permanent, removable and non-removable media implemented in any method or technology for the storage of information. The information can be computer readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, compact disk read only memory (CD-ROM), digital versatile disks (DVDs) or other optical storage, magnetic cassettes, magnetic disks storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information accessible to a computing device. According to the definition herein, computer readable media does not include transitory media, such as modulated data signals and carrier waves.

[0093] Any technical features in the above-described embodiments can be combined in any manner, and for the sake of brevity, not all possible combinations are described, however, it is to be understood that the application encompasses all possible combinations.

[0094] It should also be noted that the terms "comprising", "comprises", "including", "includes" or any other variation thereof are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but can also include other elements not expressly listed or inherent to such process, method, article, or apparatus. An element proceeded by "comprises a... " does not, without more constraints, exclude the existence of additional identical elements in the process, method, article, or apparatus that comprises the element.

[0095] The preferred embodiments of the application are described above in detail. The application is not limited to the embodiments described above, but can be modified and changed by those skilled in the art without departing from the scope of the application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the application shall be included in the scope of the application.

Claims

1. A method for authorizing a credit card, characterized in that, include: The transaction message is acquired and preprocessed to obtain key field information, including card organization, message type, transaction processing code and network management information code; The key domain information is identified using a multi-scale recognition method to determine the transaction type, thereby obtaining the target transaction type. Based on the target transaction type, the corresponding checks are performed, and if the checks pass, the credit card is authorized.

2. The method according to claim 1, characterized in that, The key domain information is identified using a multi-scale recognition method to determine the transaction type, resulting in the target transaction type, including: The key domain information is identified using transaction category type identification rules to obtain the target transaction category type. The key domain information is identified using transaction sub-category type identification rules to obtain the target transaction sub-category type. The identification item of the transaction sub-category type is the most granular identification item in the transaction sub-category identification dimension. The transaction category type includes multiple transaction sub-category types. The target transaction type is determined based on the target transaction category type and the target transaction sub-category type.

3. The method according to claim 1, characterized in that, Perform the corresponding checks based on the target transaction type, including: Based on the inspection item set mapping relationship and the target transaction type, a target inspection item set is determined. The inspection item set mapping relationship is a mapping relationship between the inspection item set and the transaction type. The inspection item set includes multiple inspection items. Perform each of the checks in the target check set.

4. The method according to claim 3, characterized in that, Performing each of the checks in the target check set includes: Based on the priority of each check item, all the check items in the target check item set are sorted to obtain the execution sequence; Each of the checks in the target check set is executed sequentially according to the sequence to be executed.

5. The method according to claim 3, characterized in that, The method further includes: During the execution of each of the checks in the target check set, if it is determined that there are multiple checks with the same priority, the checks with the same priority are executed in parallel.

6. The method according to claim 1, characterized in that, Perform the corresponding checks based on the target transaction type, including: Perform at least one of the following checks based on the target transaction type: credit limit check, card status check, validity period check, traffic control check, and risk assessment check.

7. The method according to any one of claims 1 to 6, characterized in that, Perform the corresponding checks based on the target transaction type, including: If there are multiple checks with a logical order among all the checks to be executed, the checks to be executed shall be executed sequentially according to the logical order.

8. A credit card authorization device, characterized in that, include: The acquisition unit is used to acquire transaction messages and preprocess the transaction messages to obtain key field information, including card organization, message type, transaction processing code and network management information code; The first processing unit is used to identify the transaction type of the key domain information using a multi-scale recognition method to obtain the target transaction type. The second processing unit is used to perform corresponding checks based on the target transaction type, and to authorize the credit card if the checks are passed.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored program, wherein, when the program is executed, it controls the device on which the computer-readable storage medium is located to perform the method according to any one of claims 1 to 7.

10. A credit card authorization system, characterized in that, include: One or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs comprising methods for performing any one of claims 1 to 7.

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