Digital currency transaction processing method, system, electronic device

Abstract

Embodiments of the present disclosure provide a digital currency transaction processing method and system, wherein the method comprises: receiving a digital currency transaction request from a sender system; determining the digital currency transaction request, and if the determination is passed, performing a fund settlement operation and returning a response message to the sender system indicating that the digital currency transaction request has been completed; sending a digital currency transaction instruction to at least one target receiver system to perform a target transaction operation corresponding to the digital currency transaction request; during the execution of the target transaction operation, an abnormality monitoring adjustment process is started: if a transaction abnormality feedback is received from any target receiver system, a rollback process is performed on the fund settlement operation, and a reverse adjustment operation corresponding to the digital currency transaction instruction is triggered to ensure that the fund status of all related system returns to the final consistency matched with the transaction abnormality feedback. The technical problem of high transaction processing delay caused by long digital currency transaction process can be solved.

Description

Technical Field

[0001] Embodiments of this disclosure relate to digital currency transaction processing methods, systems, electronic devices, and storage media. Background Technology

[0002] In cryptocurrency transactions, especially in multi-party scenarios, there are numerous interaction steps and high transaction latency, making it difficult to meet the high-efficiency experience requirements of retail payments. Furthermore, there is a time lag between certain confirmation interactions and the final execution, which can still lead to transaction anomalies during actual execution. This fails to fundamentally guarantee the stability and reliability of successful cryptocurrency transactions and instead increases transaction time. Summary of the Invention

[0003] At least one embodiment of this disclosure provides a digital currency transaction processing method, the method comprising: receiving a digital currency transaction request from a sending system; determining the digital currency transaction request, and if the determination is successful, executing a fund settlement operation related to the digital currency transaction request and returning a response message indicating that the digital currency transaction request has been completed to the sending system; sending a digital currency transaction instruction to at least one target receiving system to execute a target transaction operation corresponding to the digital currency transaction request, wherein the digital currency transaction instruction includes a temporary state indicating that the digital currency transaction request has been completed; and initiating an anomaly monitoring and adjustment process during the execution of the target transaction operation: if a transaction anomaly feedback is received from any target receiving system, performing a rollback process on the fund settlement operation and triggering a reverse adjustment operation corresponding to the digital currency transaction instruction to ensure that the fund status of all relevant party systems is restored to eventual consistency matching the transaction anomaly feedback.

[0004] For example, in the step of determining a digital currency transaction request according to at least one embodiment of the method of this disclosure, the method includes: determining whether to perform a fund settlement operation without interactive confirmation with the receiving system based on at least one of the transaction type of the digital currency transaction request, the digital currency wallet status of the receiving system, historical behavior information, risk control information, or the historical transaction success rate of similar transactions.

[0005] For example, in the method of at least one embodiment of this disclosure, the target transaction operation does not include an interactive operation for confirmation with the receiving system.

[0006] For example, in the step of performing a fund settlement operation according to at least one embodiment of the present disclosure, the method includes: recording the settlement status of the fund transfer and internally suspending or transferring the funds to a transitional account.

[0007] For example, according to at least one embodiment of the method of this disclosure, the reverse adjustment operation is pre-configured according to the error type, including: initiating a refund instruction to the sending system for reversal, rerouting funds to a standby account, or generating an exception event requiring manual intervention.

[0008] For example, according to the method of at least one embodiment of this disclosure, in the abnormal monitoring and adjustment process, if successful responses are received from all target recipient systems within a preset time period, it is determined that the digital currency transaction request is finally completed.

[0009] At least one embodiment of this disclosure provides a digital currency transaction processing system, comprising: a receiving module configured to receive digital currency transaction requests from a sending system; a transaction request determination module configured to determine the digital currency transaction request, and if the determination is successful, to execute a fund settlement operation related to the digital currency transaction request and return a response message indicating that the digital currency transaction request has been completed to the sending system; a sending module configured to send a digital currency transaction instruction to at least one target receiving system to execute a target transaction operation corresponding to the digital currency transaction request, wherein the digital currency transaction instruction includes a temporary state indicating that the digital currency transaction request has been completed; and an anomaly monitoring and adjustment module configured to initiate an anomaly monitoring and adjustment process during the execution of the target transaction operation: if a transaction anomaly feedback is received from any target receiving system, to perform a rollback process on the fund settlement operation and trigger a reverse adjustment operation corresponding to the digital currency transaction instruction, so as to ensure that the fund status of all relevant party systems is restored to eventual consistency matching the transaction anomaly feedback.

[0010] For example, in a system according to at least one embodiment of this disclosure, the transaction request determination module is further configured to determine whether to perform fund settlement operation without needing to interact with the receiving system, based on at least one of the transaction type of the digital currency transaction request, the digital currency wallet status of the receiving system, historical behavior information, risk control information, or the historical transaction success rate of similar transactions.

[0011] For example, in a system according to at least one embodiment of this disclosure, the reverse adjustment operation is pre-configured according to the error type, including: initiating a refund instruction to the sending system for reversal, rerouting funds to a standby account, or generating an exception event requiring manual intervention.

[0012] At least one embodiment of this disclosure provides an electronic device, including: one or more processors; and a memory storing one or more computer program modules; wherein the one or more computer program modules are configured to be executed by the one or more processors to implement a method provided according to at least one embodiment of this disclosure.

[0013] At least one embodiment of this disclosure provides a computer-readable storage medium for storing non-transitory computer-readable instructions, wherein the non-transitory computer-readable instructions, when executed by one or more processors, implement a method provided according to at least one embodiment of this disclosure.

[0014] This embodiment of the disclosure determines whether a cryptocurrency transaction request has been successfully processed. Upon successful determination, a fund settlement operation related to the cryptocurrency transaction request is executed first, and a response message indicating the completion of the cryptocurrency transaction request is returned to the sending system. A cryptocurrency transaction instruction is then sent to at least one target receiving system to execute the target transaction operation corresponding to the cryptocurrency transaction request. During the execution of the target transaction operation, an anomaly monitoring and adjustment process is initiated: if a transaction anomaly feedback is received from any target receiving system, the fund settlement operation is rolled back, and a reverse adjustment operation corresponding to the cryptocurrency transaction instruction is triggered to ensure that the fund status of all relevant systems is restored to final consistency matching the transaction anomaly feedback. By optimizing the transaction process, confirming the completion of the cryptocurrency transaction request to the user before executing subsequent target transaction operations, the processing time of transaction requests can be reduced to improve user experience. Simultaneously, an error adjustment fallback mechanism is set up to handle transaction anomalies caused by low-probability events. Attached Figure Description

[0015] To more clearly illustrate the technical solutions of the embodiments of this disclosure, the accompanying drawings of the embodiments of this disclosure will be briefly described below. Clearly, the drawings described below only relate to some embodiments of this disclosure and are not intended to limit the scope of this disclosure.

[0016] Figure 1 An example diagram of a computing environment according to at least one embodiment of the present disclosure is shown, which supports a digital currency transaction processing scheme;

[0017] Figure 2 A flowchart illustrating a digital currency transaction processing method according to at least one embodiment of the present disclosure is shown.

[0018] Figure 3 A flowchart illustrating an exemplary digital currency transaction processing method according to at least one embodiment of the present disclosure is shown.

[0019] Figure 4 A block diagram of a digital currency transaction processing system according to at least one embodiment of the present disclosure is shown;

[0020] Figure 5 A schematic diagram of an electronic device according to at least one embodiment of the present disclosure is shown;

[0021] Figure 6A schematic diagram of a computer storage medium according to at least one embodiment of the present disclosure is shown. Detailed Implementation

[0022] To make the objectives, technical solutions, and advantages of the embodiments of this disclosure clearer, the technical solutions of the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of this disclosure. All other embodiments obtained by those skilled in the art based on the described embodiments of this disclosure without creative effort are within the scope of protection of this disclosure.

[0023] Unless otherwise defined, the technical or scientific terms used herein should have the ordinary meaning understood by one of ordinary skill in the art to which this disclosure pertains. The terms “first,” “second,” and similar terms used in this disclosure do not indicate any order, quantity, or importance, but are merely used to distinguish different components. Similarly, terms such as “comprising” or “including” mean that the element or object preceding the word encompasses the elements or objects listed following the word and their equivalents, without excluding other elements or objects. Terms such as “connected” or “linked” are not limited to physical or mechanical connections, but can include electrical connections, whether direct or indirect. Terms such as “upper,” “lower,” “left,” and “right” are used only to indicate relative positional relationships, which may change accordingly when the absolute position of the described objects changes.

[0024] Note that the examples described below are merely specific examples and are not intended to limit the embodiments of this disclosure to the specific shapes, hardware, connections, operations, values, conditions, data, sequences, etc., shown and described. Those skilled in the art can utilize the concepts of this disclosure to construct further embodiments not mentioned herein by reading this specification.

[0025] The terminology used in this disclosure is that which is currently widely used in the art in consideration of the functionality of this disclosure; however, these terms may vary depending on the intent, precedent, or new technology of those skilled in the art. Furthermore, specific terms may be chosen by the applicant, and in such cases, their detailed meanings will be described in the detailed description of this disclosure. Therefore, the terminology used in this specification should not be construed as simple names, but rather based on the meaning of the terms and the overall description of this disclosure.

[0026] This disclosure uses flowcharts to illustrate the operations performed by a system according to embodiments of this disclosure. It should be understood that the preceding or following operations are not necessarily performed in exact order. Instead, various steps can be processed in reverse order or simultaneously, as needed. Furthermore, other operations can be added to these processes, or one or more steps can be removed from them.

[0027] In digital currency payment and settlement services, traditional processes typically require prior confirmation of the recipient's account status to ensure smooth fund transfers. However, in multi-party transaction scenarios, this back-and-forth confirmation mechanism can easily prolong the overall transaction processing time, especially in the real-time retail payment sector, leading to significant waiting experience issues for users. Furthermore, even if the recipient's account status is normal at the time of confirmation, the account may still experience sudden status changes such as freezing or account closure within the short window between confirmation and actual fund transfer, resulting in final fund transfer failure. Therefore, this mechanism cannot completely eliminate the risk of abnormal fund transfers and instead extends the overall transaction time.

[0028] To address the aforementioned issues, at least one embodiment of this disclosure provides a digital currency transaction processing method, system, electronic device, and storage medium. The method involves determining the nature of a digital currency transaction request. Upon successful determination, a fund settlement operation related to the digital currency transaction request is executed, and a response message indicating the completion of the digital currency transaction request is returned to the sending system. A digital currency transaction instruction is then sent to at least one target receiving system to execute the target transaction operation corresponding to the digital currency transaction request. During the execution of the target transaction operation, an anomaly monitoring and adjustment process is initiated: if an anomaly feedback is received from any target receiving system, the fund settlement operation is rolled back, and a reverse adjustment operation corresponding to the digital currency transaction instruction is triggered to ensure that the fund status of all relevant systems (such as digital currency fund status and bank account fund status) is restored to final consistency matching the anomaly feedback. By optimizing the transaction process, first confirming the completion of the digital currency transaction request to the user before executing the subsequent target transaction operation (e.g., the target transaction operation does not execute the interactive confirmation process with the receiving system), the transaction request processing time can be reduced to improve user experience. Simultaneously, an error adjustment fallback mechanism is set up to handle transaction anomalies caused by low-probability events. In this way, the solution can solve the technical problem of excessive transaction processing latency caused by the lengthy digital currency transaction process, and improve the user experience.

[0029] The embodiments of this disclosure will now be described with reference to the accompanying drawings.

[0030] Figure 1 An example diagram of a computing environment for a digital currency transaction processing scheme according to at least one embodiment of the present disclosure is shown. It should be noted that... Figure 1The examples shown are merely examples of scenarios in which the embodiments of this disclosure can be applied, to help those skilled in the art understand the technical content of this disclosure, but do not mean that the embodiments of this disclosure cannot be used in other devices, systems, environments or scenarios.

[0031] like Figure 1 As shown, the computing environment 100 according to this embodiment includes a digital currency transaction processing system (hereinafter referred to as the digital currency transaction processing system) 110, a sender system 120, and at least one receiver system, such as the first receiver system 130 and the second receiver system 140 illustrated. These systems are interconnected via a network, which may include various connection types, such as wired, wireless communication links, or fiber optic cables.

[0032] The digital currency transaction processing method provided in this embodiment can be implemented by a digital currency transaction processing system 110. For example, the digital currency transaction processing system 110 can be a cloud server or on-premises server deployed at a central bank, capable of processing digital currency transaction requests in real time and online. The sending system 120 can be a digital currency business processing system deployed and operated by a party that actively initiates a digital currency transaction request during the digital currency transaction interaction (e.g., a digital currency operating institution), such as the digital currency business processing system of a payment institution. The receiving system can be a digital currency business processing system deployed and operated by a party that passively receives instructions / messages during the current transaction interaction, and verifies, processes, responds to, or executes business logic on them, such as the digital currency business processing system of a receiving institution or interbank institution.

[0033] The following will be based on Figure 1 The described scenario, for reference Figure 2 The digital currency transaction processing method 200 according to embodiments of this disclosure will be described in detail. It should be noted that the above application scenarios are shown only to facilitate understanding of the spirit and principles of this disclosure, and the implementation of this disclosure is not limited in any way. Rather, the implementation of this disclosure can be applied to any applicable scenario.

[0034] like Figure 2 As shown, the digital currency transaction processing method 200 includes the following steps.

[0035] In step S210, the digital currency transaction processing system 110 receives a digital currency transaction request from the sender system 120.

[0036] In step S220, the digital currency transaction processing system 110 determines the digital currency transaction request. If the determination is successful, it performs the fund settlement operation related to the digital currency transaction request and returns a response message to the sending system 120 indicating that the digital currency transaction request has been completed.

[0037] In step S230, the digital currency transaction processing system 110 sends a digital currency transaction instruction to at least one target receiving system to execute the target transaction operation corresponding to the digital currency transaction request. The digital currency transaction instruction includes a temporary state indicating that the digital currency transaction request has been completed.

[0038] In step S240, the digital currency transaction processing system 110 initiates an anomaly monitoring and adjustment process during the execution of the target transaction operation: if an anomaly feedback is received from any target receiving system, the fund settlement operation is rolled back and a reverse adjustment operation corresponding to the digital currency transaction instruction is triggered to ensure that the fund status of all relevant parties' systems is restored to the final consistency that matches the anomaly feedback.

[0039] For example, in step S220, after the received digital currency transaction request is deemed acceptable, the digital currency transaction processing system 110 does not immediately interact with the target recipient system. Instead, it directly performs fund settlement operations locally, such as simultaneously deducting from the sender's system wallet balance, increasing the recipient's system wallet balance, updating ledger information, and generating settlement status information associated with the digital currency transaction request. Once the settlement operation is successfully executed, i.e., the digital currency transaction processing system 110 generates settlement status information, it immediately returns a final response message indicating that the transaction is complete to the sender system 120 that initiated the request, notifying the user of the transaction result. This allows the end user to instantly perceive the transaction status. Thus, by judging transaction requests and directly performing final fund settlement operations on eligible requests, the response time from the transaction request to the final completion and return of the transaction to the user is greatly shortened, optimizing the payment experience, especially in retail payment scenarios.

[0040] For example, in some embodiments of this disclosure, the steps of performing fund settlement operations include: recording the settlement status of fund transfers and suspending or transferring funds internally to a transitional account.

[0041] In one example, when performing a fund settlement operation, the status of the transaction request can be marked as "settlement triggered" or "funds locked." From a user experience perspective, this indicates that the cryptocurrency transaction request has been successfully completed, providing a basis for returning a "transaction completed" response message. Funds can be internally suspended by marking the corresponding cryptocurrency amount as "settled, pending transfer" in the escrow account of the sending system (e.g., the payer), indicating that the funds have not yet been transferred. Alternatively, funds can be transferred to a transitional account, for example, by actually transferring funds from the sending system's wallet account to an intermediate wallet account controlled by the transaction processing system 110. In this way, the cryptocurrency transaction processing system 110 can complete the recording of the status and the suspension / transfer of funds to the transitional account within milliseconds, and then notify the user of the successful transaction. While the funds remain in the controllable transitional account, if an anomaly is subsequently discovered in the receiving system's (payee's) account (e.g., it has just been frozen), system 110 can immediately return the funds from the transitional account to the sending system (payer). Since the funds have not yet entered the other party's account, the error correction process is simple and quick, achieving complete isolation and lossless resolution of the risk.

[0042] For example, in some embodiments of this disclosure, step S220, in the step of determining the digital currency transaction request, includes: determining whether to perform the fund settlement operation without interactive confirmation with the receiving system based on at least one of the transaction type of the digital currency transaction request, the digital currency wallet status of the receiving system, historical behavior information, risk control information, or the historical transaction success rate of similar transactions.

[0043] Specifically, in one example, it can be determined whether a cryptocurrency (e.g., digital RMB) transaction request is for transferring cryptocurrency funds. This transaction type can include business scenarios such as transfers, payments, and redemptions. The request information can include key elements such as: payer wallet information, recipient wallet information or bank account information, transaction amount, and any associated business scenario tags. If the determination is yes, the request passes. In another example, the real-time status of the recipient's cryptocurrency wallet on the local system can be queried to determine if the wallet is in an abnormal state such as being deactivated or frozen. If the wallet status is normal (e.g., the wallet is available), the request passes. In other examples, historical behavior information can be used for determination, including the recipient's historical records, such as whether they have consistently received payments over a long period. If so, the request is considered normal. Additionally, risk control information can be used to determine if the recipient's account is flagged as risky. If not, the request passes. Finally, the historical success rate of similar transactions can also be used for determination. For example, if the historical success rate of similar transactions exceeds a set threshold, the request passes.

[0044] Each of the above examples can be judged individually or in combination for a comprehensive judgment. If the judgment is successful, the cryptocurrency transaction request is considered a low-risk, highly reliable transaction, and the interaction and confirmation process with the recipient's system can be skipped, directly executing the target transaction operation corresponding to the transaction request.

[0045] For example, in step S230, the digital currency transaction processing system 110 sends a digital currency transaction instruction to at least one target receiving system to drive the receiving system to execute the target transaction operation corresponding to the digital currency transaction request. This digital currency transaction instruction carries a temporary state indicating that the current digital currency transaction request has been completed. This state is only used to instruct the receiving system to execute the target transaction operation (such as account balance adjustment, fund recording, and other core accounting processing), and is not the final completion state of the transaction. In one example, whether the transaction is ultimately completed is determined by receiving successful responses from all target receiving systems within a preset time period during the anomaly monitoring and adjustment process. By strictly distinguishing between the temporary completion state in the instruction and the final completion state of the transaction, misjudgments of the transaction status caused by some receiving systems processing successfully while others processing abnormally can be avoided. If any receiving system sends a transaction anomaly feedback, the operations previously performed according to the digital currency transaction instruction carrying the temporary state can be reversed. This prevents problems such as one-sided accounts, accounting mismatches, and asynchronous fund states, thereby ensuring that the fund and transaction states of all relevant systems remain globally consistent.

[0046] For example, in some embodiments of this disclosure, the target transaction operation performed in step S230 does not include the interactive operation of confirming with the receiving system.

[0047] It should be noted that the target transaction operation can be the core business fulfillment and accounting substantive processing operations directly corresponding to the current cryptocurrency transaction request. This operation only includes core processing actions such as changes in fund ownership, adjustments to account balances, and accounting entries necessary to achieve the transaction purpose. It represents the final substantive execution action to complete the transaction and does not include interactive confirmation operations with the receiving system. Taking a redemption request as an example, the corresponding target transaction operations include: for the receiving institution, performing accounting processing to increase the balance of the receiving institution's interbank account; for interbank institutions, performing accounting processing to increase the balance of the interbank institution's customer (user) account. All of the above processing are core accounting operations of the receiving system and do not include interactive confirmation steps with the receiving system, such as confirmation of whether payment can be received. Thus, in subsequent message exchanges, only core accounting processing operations are executed, which can significantly improve transaction execution speed.

[0048] For example, in step S240, while executing the target transaction operation (such as fund transfer, account balance adjustment, interbank settlement, etc.), system 110 continuously monitors feedback information from all target receiving systems (such as payment institutions, interbank institutions, and other transaction participants). If any target receiving system reports a transaction anomaly (such as receiving failure, account verification failure, system timeout, status mismatch, error adjustment request, etc.), the anomaly handling trigger condition is met. When performing error adjustment, the fund transfer, balance change, account posting, and other fund settlement operations already executed in this transaction are cancelled, restoring the state to before the execution of that part of the operation. When performing reverse adjustment operations, the reverse equivalent operation is executed according to the business logic of the digital currency transaction instruction (e.g., if the original instruction is fund transfer out, the reverse is fund transfer back; if the original instruction is balance increase, the reverse is balance decrease), corresponding one-to-one with the original transaction instruction. After rollback and reverse adjustment, the financial status (such as digital currency funds status and bank account funds status) of all relevant systems (sender system and target receiver system) reached a consensus, that is, as if the abnormal transaction had never occurred.

[0049] In this way, by processing the rollback and reverse adjustment of fund settlement operations, it is ensured that the fund status, accounting data, and account balances of all relevant parties' systems are completely synchronized and without discrepancies, restoring them to a unified final state that matches the abnormal scenario of this transaction, thus avoiding problems such as one-sided accounts, accounting mismatch, and inconsistent funds.

[0050] For example, in some embodiments of this disclosure, the reverse adjustment operation is pre-configured according to the error type, including: initiating a refund instruction to the sending system for reversal, rerouting funds to a standby account, or generating an exception event requiring manual intervention.

[0051] In this example, the reverse adjustment operation is not ad-hoc processing logic, but rather a pre-configured operation by system 110 for different transaction error types, specifically including three types of pre-configured operations:

[0052] (1) Initiate a refund instruction to the sending system for reversal.

[0053] System 110, following the original cryptocurrency transaction path, fund flow, and account correspondence, initiates a reversal instruction to the sending system that perfectly corresponds to the original transaction amount and identifier, thus fully reversing the executed fund settlement operation along the original path. This operation is suitable for error types such as abnormal account status of the receiving system (frozen, closed, unable to receive funds).

[0054] (2) Reroute the funds to the reserve account

[0055] When the target recipient's system is temporarily unable to process payments, but the transaction itself is legitimate and does not require a complete reversal, System 110 will automatically redirect the funds that should have been transferred to the target account to a pre-opened dedicated account (reserve account) for temporary custody. This operation is suitable for error types such as temporary maintenance of the recipient's system, brief unavailability, temporary abnormal status of the receiving account, congestion on the recipient's institutional side system, and insufficient processing capacity.

[0056] (3) Generate exceptional events that require manual intervention.

[0057] For complex anomalies that cannot be resolved through automatic reversal or automatic routing, System 110 does not perform automated fund operations. Instead, it generates structured exception event work orders and pushes them to manual verification for processing. This operation is suitable for error types such as doubts about the identity of transaction participants, failure of compliance verification, inconsistencies in the status of multiple systems, inability to determine responsibility for one side of the account, and new anomaly scenarios without matching pre-configured rules.

[0058] By pre-configuring corresponding reverse adjustment operations for different error types, differentiated processing can be achieved in abnormal transaction scenarios. This not only improves the efficiency of abnormal transaction processing but also effectively avoids financial risks and accounting inconsistencies caused by transaction errors, ensuring that the financial status of all relevant parties' systems is stably restored to the final consistency matching the abnormal scenario.

[0059] For example, in some embodiments of this disclosure, in the abnormal monitoring and adjustment process, if successful responses are received from all target recipient systems within a preset time period, the digital currency transaction request is determined to be finally completed.

[0060] During the execution of the anomaly monitoring and adjustment process, the digital currency transaction processing system 110 will uniformly monitor the response results of all target receiving systems within a preset time period. If, within this preset time period, all target receiving systems return a successful transaction processing response, it indicates that all target transaction operations corresponding to this digital currency transaction request have been normally executed in their respective relevant systems, and the fund status and business status are consistent. At this point, it can be determined that the digital currency transaction request has been finally completed.

[0061] By receiving successful responses from all target recipient systems within a preset time period to determine the final completion of the transaction, crucial deterministic results can be provided without interactive confirmation with the target recipient systems. Furthermore, it provides a snapshot of the agreed-upon state of all participants for subsequent clearing, settlement, and auditing, simplifying the reconciliation process.

[0062] Figure 3 A flowchart illustrating an exemplary digital currency transaction processing method according to at least one embodiment of the present disclosure is shown. Reference is made below. Figure 3Taking the scenario of converting digital currency into bank account balance as an example, this paper describes how the transaction processing system 110 coordinates with the payment institution 310, the receiving institution 320 (an example of the first receiving system), and the interbank institution 330 (an example of the second receiving system) to execute the corresponding transaction process.

[0063] It should be noted that, generally, in the redemption transaction process, the system needs to confirm with both the receiving institution (the institution where the interbank account is located) 320 and the interbank institution (the institution where the customer's account is located) 330 whether the payment can be received before the transaction processing system 110 completes the settlement. After settlement, it notifies the receiving institution 320 and the interbank institution 330 of the funds being credited to the account and notifies the user that the transaction is complete. The entire interaction process is lengthy, provides a poor user experience, and does not fundamentally solve the problem of funds not being credited. Therefore, this example optimizes the message interaction process.

[0064] like Figure 3 As shown, this example includes the following steps:

[0065] Step 1: The payment institution 310 deducts the customer's digital currency wallet balance.

[0066] Step 2: The payment institution 310 initiates a cash withdrawal request to the transaction processing system 110.

[0067] Step 3: After the transaction processing system 110 passes the business check, it performs digital currency fund settlement operations.

[0068] Step 4: The transaction processing system 110 initiates a redemption request with settlement status to the receiving institution 320.

[0069] Step 5: After the business inspection is passed, the receiving institution 320 increases the balance of the interbank account;

[0070] Step 6: The receiving institution 320 returns a redemption response to the transaction processing system 110.

[0071] Step 7: The transaction processing system 110 initiates a redemption request with settlement status to the interbank institution 330.

[0072] Step 8: After the business inspection is passed, the peer institution 330 increases the customer's account balance.

[0073] Step 9: The interbank institution 330 returns a redemption business response to the transaction processing system 110, and the normal redemption transaction process is completed.

[0074] The execution order of steps 4 and 7 is not important. During the execution of the above steps, an exception monitoring and compensation process is initiated, and any exceptions that occur are handled as follows:

[0075] For example, in step 5, if the receiving institution 310 fails to credit the interbank account, it initiates an error adjustment request. The transaction processing system 110 responds to the error adjustment request, rolls back the settlement status, and notifies the paying institution 310 of the error information. The paying institution 310 then completes the recharge of the customer's wallet based on the error information.

[0076] For example, in step 8, if the interbank institution 330 fails to credit a customer's account, it initiates an error adjustment request. The transaction processing system 110 responds to the error adjustment request, rolls back the settlement status, and notifies the payment institution 310 and the collection institution 320 of the error information. The payment institution 310 and the collection institution 320 then complete the error adjustment based on the error information.

[0077] Since the probability of the target risk (such as the failure of the transaction due to freezing / wallet cancellation) is much lower than the preset system reliability threshold, this optimization will not have a substantial impact on the transaction success rate within a foreseeable range, and is an effective design that balances security and performance.

[0078] Figure 4 A block diagram of a digital currency transaction processing system 400 according to at least one embodiment of the present disclosure is shown. Figure 4 As shown, the digital currency transaction processing system 400 includes a receiving module 410, a transaction request determination module 420, a sending module 430, and an anomaly monitoring and compensation module 440.

[0079] The receiving module 410 is configured to receive digital currency transaction requests from the sending system. For example, the receiving module 410 can perform actions such as... Figure 2 Step S210 of the digital currency transaction processing method 200 shown.

[0080] The transaction request determination module 420 is configured to: determine the cryptocurrency transaction request; if the determination passes, execute the fund settlement operation related to the cryptocurrency transaction request, and return a response message indicating that the cryptocurrency transaction request has been completed to the sending system. For example, the transaction request determination module 420 can execute the following... Figure 2 Step S220 of the digital currency transaction processing method 200 shown.

[0081] Sending module 430 is configured to send a digital currency transaction instruction to at least one target receiving system to execute a target transaction operation corresponding to a digital currency transaction request, wherein the digital currency transaction instruction includes a temporary state indicating that the digital currency transaction request has been completed. For example, sending module 430 can execute... Figure 2 Step S230 of the digital currency transaction processing method 200 shown.

[0082] The anomaly monitoring and adjustment module 440 is configured to initiate an anomaly monitoring and adjustment process during the execution of a target transaction operation. If an anomaly feedback is received from any target receiving system, a rollback is performed on the fund settlement operation, and a reverse adjustment operation corresponding to the digital currency transaction instruction is triggered to ensure that the fund status of all relevant parties' systems is restored to eventual consistency matching the transaction anomaly feedback. For example, the anomaly monitoring and adjustment module 440 can execute the following: Figure 2 Step S240 of the digital currency transaction processing method 200 shown.

[0083] For example, the receiving module 410, the transaction request determination module 420, the sending module 430, and the anomaly monitoring and adjustment module 440 can be hardware, software, firmware, or any feasible combination thereof. For example, they can be dedicated or general-purpose circuits, chips, or devices, or a combination of a processor and memory. The embodiments of this disclosure do not limit the specific implementation of these modules.

[0084] It should be noted that in the embodiments of this disclosure, each module of the digital currency transaction processing system 400 corresponds to each step of the aforementioned digital currency transaction processing method 200. For the specific functions of the digital currency transaction processing system 400, please refer to the relevant description of the digital currency transaction processing method 200 above, which will not be repeated here. Figure 4 The components and structure of the digital currency transaction processing system 400 shown are merely exemplary and not restrictive. The digital currency transaction processing system 400 may also include other components and structures as needed.

[0085] At least some embodiments of this disclosure also provide an electronic device. Figure 5 A schematic diagram of an electronic device 500 according to at least one embodiment of the present disclosure is shown.

[0086] like Figure 5As shown, the electronic device 500 includes one or more processors 510 and a memory 520. The memory 520 includes one or more computer program modules 521. The one or more computer program modules 521 are stored in the memory 520 and configured to be executed by the processor 510. These computer program modules 521 include instructions for executing the digital currency transaction processing method 200 and its additional aspects according to at least one embodiment of the present disclosure. When executed by the processor 510, they can perform one or more steps of the digital currency transaction processing method 200 and its additional aspects according to at least one embodiment of the present disclosure. The memory 520 and the processor 510 can be interconnected via a bus system and / or other forms of connection mechanisms (not shown). For example, the bus can be a Peripheral Component Interconnect Standard (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc.

[0087] For example, processor 510 may be a central processing unit (CPU), a digital signal processor (DSP), or other processing unit with data processing and / or program execution capabilities, such as a field-programmable gate array (FPGA). Processor 510 may be a general-purpose processor or a special-purpose processor that can control other components in electronic device 500 to perform desired functions.

[0088] Exemplarily, memory 520 may include any combination of one or more computer program products, which may include various forms of computer-readable storage media, such as volatile memory and / or non-volatile memory. Volatile memory may include, for example, random access memory (RAM) and / or cache memory. Non-volatile memory may include, for example, read-only memory (ROM), hard disk, erasable programmable read-only memory (EPROM), portable compact disc read-only memory (CD-ROM), USB memory, flash memory, etc. One or more computer program modules 521 may be stored on the computer-readable storage medium, and processor 510 may execute one or more computer program modules 521 to implement various functions of electronic device 500. The computer program modules include multiple computer-executable instructions. Various application programs and various data, as well as various data used and / or generated by the application programs, may also be stored in the computer-readable storage medium.

[0089] For example, electronic device 500 may also include input devices such as touchscreens, touchpads, keyboards, mice, cameras, microphones, accelerometers, and gyroscopes; output devices such as liquid crystal displays, speakers, and vibrators; storage devices such as magnetic tapes and hard disks (HDDs or SDDs); and communication devices such as network interface cards like LAN cards and modems. The communication devices allow electronic device 500 to communicate wirelessly or wiredly with other devices to exchange data and perform communication processing via networks such as the Internet. A drive is connected to the I / O interface as needed. Removable storage media, such as disks, optical disks, magneto-optical disks, and semiconductor memories, are installed on the drive as needed so that computer programs read from them can be installed into the storage device as required.

[0090] For example, the electronic device 500 may further include a peripheral interface (not shown in the figure). This peripheral interface can be various types of interfaces, such as a USB interface, a Lightning interface, etc. The communication device can communicate wirelessly with networks and other devices, such as the Internet, intranets and / or wireless networks such as cellular telephone networks, wireless local area networks (LANs) and / or metropolitan area networks (MANs). Wireless communication can use any of a variety of communication standards, protocols, and technologies, including but not limited to Global System for Mobile Communications (GSM), Enhanced Data GSM Environment (EDGE), Wideband Code Division Multiple Access (W-CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Bluetooth, Wi-Fi (e.g., based on IEEE 802.11a, IEEE 802.11b, IEEE 802.11g, and / or IEEE 802.11n standards), Voice over Internet Protocol (VoIP), Wi-MAX, protocols for email, instant messaging, and / or Short Message Service (SMS), or any other suitable communication protocol.

[0091] The electronic device 500 may be, for example, a system-on-a-chip (SOC) or a device including the SOC. For instance, it can be any device such as a mobile phone, tablet, laptop, e-reader, game console, television, digital photo frame, navigator, home appliance, communication base station, industrial controller, server, etc., or any combination of data processing devices and hardware. The embodiments of this disclosure do not limit this. The specific functions and technical effects of the electronic device 500 can be found in the foregoing description of the digital currency transaction processing method 200 and its additional aspects according to at least one embodiment of this disclosure, and will not be repeated here.

[0092] Figure 6 A schematic diagram of a computer-readable storage medium 600 according to at least one embodiment of the present disclosure is shown.

[0093] like Figure 6 As shown, a non-transitory computer instruction 610 is stored on a computer-readable storage medium 600, which, when executed by a processor, performs one or more steps of the digital currency transaction processing method 200 and its additional aspects as described above.

[0094] For example, when the program code is read by a computer, the computer can execute the program code stored in the computer storage medium to perform one or more steps to implement, for example, the digital currency transaction processing method 200 and its additional aspects according to at least one embodiment of the present disclosure.

[0095] For example, the computer-readable storage medium may include a memory card of a smartphone, a storage component of a tablet computer, a hard disk of a personal computer, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM), portable compact disc read-only memory (CD-ROM), flash memory, and other computer-readable media or any combination thereof.

[0096] At least some of the embodiments in this specification are described in a progressive manner, with each embodiment focusing on the differences from other embodiments. The same or similar parts between the embodiments can be referred to each other.

[0097] It should be noted that, in this document, relational terms such as "first," "second," etc., are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. The terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes the element.

[0098] The following points should be noted regarding this disclosure:

[0099] (1) The accompanying drawings of the embodiments of this disclosure only involve the structures involved in the embodiments of this disclosure. Other structures can be referred to the general design.

[0100] (2) Where there is no conflict, the embodiments of this disclosure and the features in the embodiments can be combined with each other to obtain new embodiments.

[0101] The above description is merely an exemplary embodiment of this disclosure and is not intended to limit the scope of protection of this disclosure, which is determined by the appended claims.

Claims

1. A method for processing digital currency transactions, the method comprising: Receive digital currency transaction requests from the sender's system; The system determines the digital currency transaction request. If the determination is successful, the system performs the fund settlement operation related to the digital currency transaction request and returns a response message to the sending system indicating that the digital currency transaction request has been completed. Send a digital currency transaction instruction to at least one target receiving system to execute a target transaction operation corresponding to the digital currency transaction request, wherein the digital currency transaction instruction includes a temporary status indicating that the digital currency transaction request has been completed; During the execution of the target transaction operation, an anomaly monitoring and adjustment process is initiated: if an anomaly feedback is received from any target receiving system, the fund settlement operation is rolled back, and a reverse adjustment operation corresponding to the digital currency transaction instruction is triggered to ensure that the fund status of all relevant parties' systems is restored to the eventual consistency that matches the anomaly feedback.

2. The method of claim 1, wherein, The step of determining the digital currency transaction request includes: The determination is made based on at least one of the following: the transaction type of the digital currency transaction request, the digital currency wallet status of the receiving system, historical behavior information, risk control information, or the historical transaction success rate of similar transactions, to determine whether to execute the fund settlement operation without interactive confirmation with the receiving system.

3. The method according to claim 2, wherein, The target transaction operation does not include interactive operations for confirmation with the receiving system.

4. The method according to claim 1, wherein, The steps of performing the fund settlement operation include: Record the settlement status of fund transfers and internally suspend or transfer the funds to a transitional account.

5. The method according to claim 1, wherein, The reverse adjustment operation is pre-configured according to the error type, including: initiating a refund instruction to the sending system to reverse the error, rerouting funds to the reserve account, or generating an exception event requiring manual intervention.

6. The method according to claim 1, wherein, In the anomaly monitoring and adjustment process, if successful responses are received from all target recipient systems within a preset time period, the digital currency transaction request is determined to be finally completed.

7. A digital currency transaction processing system, the system comprising: The receiving module is configured to receive digital currency transaction requests from the sending system. The transaction request determination module is configured to determine the digital currency transaction request. If the determination is successful, the module will perform the fund settlement operation related to the digital currency transaction request and return a response message to the sending system indicating that the digital currency transaction request has been completed. The sending module is configured to send a digital currency transaction instruction to at least one target receiving system to execute a target transaction operation corresponding to the digital currency transaction request, wherein the digital currency transaction instruction includes a temporary state indicating that the digital currency transaction request has been completed; The anomaly monitoring and adjustment module is configured to initiate an anomaly monitoring and adjustment process during the execution of the target transaction operation: if a transaction anomaly feedback is received from any target receiving system, the fund settlement operation is rolled back, and a reverse adjustment operation corresponding to the digital currency transaction instruction is triggered to ensure that the fund status of all relevant parties' systems is restored to the eventual consistency that matches the transaction anomaly feedback.

8. The system according to claim 7, wherein, The transaction request determination module is further configured to determine whether to execute the fund settlement operation without needing to interact with the receiving system, based on at least one of the following: the transaction type of the digital currency transaction request, the digital currency wallet status of the receiving system, historical behavior information, risk control information, or the historical transaction success rate of similar transactions.

9. The system according to claim 7, wherein, The reverse adjustment operation is pre-configured according to the error type, including: initiating a refund instruction to the sending system to reverse the error, rerouting funds to the reserve account, or generating an exception event requiring manual intervention.

10. An electronic device comprising: One or more processors; A memory, communicatively connected to the one or more processors, stores one or more computer program modules. The one or more computer program modules are configured to be executed by the one or more processors to implement the method according to any one of claims 1-6.

11. A computer-readable storage medium for storing non-transitory computer-readable instructions, wherein, When a non-transitory computer-readable instruction is executed by one or more processors, it is used to implement the method according to any one of claims 1-6.

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