Transaction processing method and device based on redemption business, equipment and storage medium

Abstract

Embodiments of the present application provide a transaction processing method and device based on redemption business, equipment and storage medium. The method is applied to a transaction settlement party, comprising: receiving a fund advance request issued by a business party; wherein the fund advance request represents a request issued by the business party to the transaction settlement party according to transaction information in response to a user's redemption request after determining the transaction information of the user; the business party represents an institution that trades products with the user; determining the fund advance amount according to the fund advance request; wherein the fund advance amount represents the amount to be redeemed by the user or a preset amount; determining a target account based on a preset path selection strategy, and sending the fund advance amount to the target account through a first preset channel. Adapt to different investment and redemption settlement scene needs, and realize effective control of investment and redemption transactions.

Description

Technical Field

[0001] This application relates to the field of big data technology, and in particular to a transaction processing method, apparatus, device and storage medium based on redemption business. Background Technology

[0002] In the redemption process of the investment and wealth management industry, the flow of funds involves several steps, including redemption application, advance payment settlement, and redemption settlement. For example, an investor initiates a quick redemption application, the advance payment bank requests funds and settles them to the designated account, and then the subsequent redemption operation is carried out through the redemption bank.

[0003] However, redemption transactions involve various scenarios, and the flow of funds may differ in different scenarios, affecting the efficient management of investment redemption transactions. Summary of the Invention

[0004] This application provides a transaction processing method, apparatus, device, and storage medium based on redemption business, for the purpose of achieving efficient management of investment redemption transactions.

[0005] In a first aspect, embodiments of this application provide a transaction processing method based on redemption business, which is applied to the transaction settlement party; the method includes:

[0006] Receive a funding request from a business entity; wherein, the funding request represents a request issued by the business entity to the transaction settlement party after responding to a user's redemption request and determining the user's transaction information; the business entity represents the institution that conducts product transactions with the user;

[0007] Based on the advance payment request, the advance payment amount is determined; wherein, the advance payment amount represents the amount to be redeemed by the user or a preset amount;

[0008] Based on a preset path selection strategy, a target account is determined, and the advance payment amount is sent to the target account through a first preset channel.

[0009] Secondly, embodiments of this application provide a transaction processing method based on redemption business, which is applied to the business party; the method includes:

[0010] In response to a user's redemption request, the user's transaction information is determined;

[0011] Based on the transaction information, a funding request is sent to the transaction settlement party; wherein, the funding request is used to instruct the transaction settlement party to determine the funding amount based on the funding request, and to determine the target account based on a preset path selection strategy, and to send the funding amount to the target account through a first preset channel.

[0012] Thirdly, embodiments of this application provide a transaction processing apparatus based on redemption business, which is applied to a transaction settlement party; the apparatus includes:

[0013] The request receiving unit is used to receive a funding request issued by a business party; wherein, the funding request represents a request issued by the business party to the transaction settlement party after determining the user's transaction information in response to the user's redemption request; the business party represents the institution that conducts product transactions with the user.

[0014] The credit limit determination unit is used to determine the credit limit based on the credit request; wherein the credit limit represents the amount to be redeemed by the user or a preset amount;

[0015] The advance payment execution unit is used to determine the target account based on a preset path selection strategy, and send the advance payment amount to the target account through a first preset channel.

[0016] Fourthly, embodiments of this application provide a transaction processing apparatus based on redemption services, which is applied to a service provider; the apparatus includes:

[0017] A redemption request unit is used to determine the user's transaction information in response to the user's redemption request;

[0018] The request sending unit is used to send a funding request to the transaction settlement party based on the transaction information; wherein the funding request is used to instruct the transaction settlement party to determine the funding amount based on the funding request, determine the target account based on a preset path selection strategy, and send the funding amount to the target account through a first preset channel.

[0019] Fifthly, embodiments of this application provide an electronic device, including: a memory and a processor;

[0020] The memory stores computer-executed instructions;

[0021] The processor executes computer execution instructions stored in the memory, causing the processor to perform the embodiments of the first and second aspects described above.

[0022] In a sixth aspect, embodiments of this application provide a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the embodiments of the first and second aspects described above.

[0023] In a seventh aspect, embodiments of this application provide a computer program product, including a computer program that, when executed by a processor, implements the embodiments described in the first and second aspects above.

[0024] This application provides a transaction processing method, apparatus, device, and storage medium based on redemption transactions. A user sends a redemption request to a service provider, indicating their intention to redeem previously purchased products. After determining the user's transaction information from the redemption request, the service provider sends a funding request to the transaction settlement provider based on that information. Upon receiving the funding request, the service provider determines the funding amount, i.e., the amount the user wishes to redeem; this amount can also be a preset limit. A pre-set path selection strategy is used to determine the target account, i.e., which account the funding amount should be transferred to, and then the funding amount is sent to the target account through a first preset channel. Different paths are set for different redemption amounts, meaning the target account can be specifically determined to adapt to the needs of different investment and redemption settlement scenarios, thus achieving effective control over investment redemption transactions. Attached Figure Description

[0025] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0026] Figure 1 A schematic diagram of the fast redemption service provided in the embodiments of this application;

[0027] Figure 2 A flowchart illustrating a transaction processing method based on redemption business provided in an embodiment of this application;

[0028] Figure 3 A flowchart illustrating a transaction processing method based on redemption business provided in an embodiment of this application;

[0029] Figure 4 A flowchart illustrating a transaction processing method based on redemption business provided in an embodiment of this application;

[0030] Figure 5 This is a multi-path diagram of a redemption transaction provided in an embodiment of this application;

[0031] Figure 6 A schematic diagram of the structure of a transaction processing device based on redemption business provided for an embodiment of this application;

[0032] Figure 7 A schematic diagram of the structure of a transaction processing device based on redemption business provided for an embodiment of this application;

[0033] Figure 8 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application.

[0034] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0035] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application.

[0036] First, let me explain the terms used in this application:

[0037] Industry merchants: Financial intermediaries engaged in public funds and wealth management-related businesses;

[0038] Advance payment settlement: To meet investors' needs for fast redemption, acquiring banks provide fast redemption advance payment settlement services for industry merchants;

[0039] Redemption Settlement: The redemption funds are settled to investors in real time through the advance settlement amount.

[0040] The investment redemption process includes three main stages: redemption application, advance payment settlement, and redemption settlement. Figure 1 This is a flowchart illustrating the current quick redemption process. Investors are the users, industry merchants are the service providers, the funding bank can be a bank or institution providing advance payment settlement, and the redemption bank can be a bank or institution providing redemption settlement. Investors initiate a quick redemption application to the industry merchant, who then requests funds from the funding bank. The funding bank provides advance payment settlement through a pre-defined channel (Channel One) and settles the funds to the industry merchant's designated account. The industry merchant then sends a redemption instruction to the redemption bank, which provides redemption settlement through another channel (Channel Two) and settles the funds to the investor's account. However, advance payment settlement transactions are executed through one channel, while redemption settlement transactions are completed through another channel. These two types of transactions belong to different channels, lacking a collaborative management mechanism, which hinders efficient management of redemption transactions.

[0041] This application provides a transaction processing method, apparatus, equipment, and storage medium based on redemption business, which is applied in the field of big data technology to achieve efficient management of investment redemption transactions.

[0042] It should be noted that the data in this embodiment is not specific to any particular user and does not reflect the personal information of any particular user. It should also be noted that the data in this embodiment comes from a publicly available dataset.

[0043] The collection, storage, use, processing, transmission, provision, and disclosure of user personal information involved in the technical solution of this application all comply with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0044] To enable readers to have a deeper understanding of the implementation principles of this application, the embodiments are further detailed.

[0045] Figure 2 This is a flowchart illustrating a transaction processing method based on redemption operations according to an embodiment of this disclosure. This method can be executed by a transaction processing device based on redemption operations. The method is applied to the transaction settlement party. Figure 2 As shown, the method includes the following steps:

[0046] S201. Receive a funding request from the business party; wherein, the funding request represents a request issued by the business party to the transaction settlement party after responding to the user's redemption request and determining the user's transaction information; the business party represents the institution that conducts product transactions with the user.

[0047] For example, the transaction settlement party refers to a financial institution or licensed clearing organization with cross-institutional fund clearing qualifications and channel access capabilities. It can execute fund transfers, generate auditable transaction identifiers, and support subsequent correlation matching based on the business party's instructions. This role does not directly conduct product sales to end users, but focuses on the reliable execution and structured record-keeping of fund flows.

[0048] The service provider is a licensed institution with a direct financial product contractual relationship with the user, such as a fund company. After confirming that a user has initiated a redemption request, the service provider can parse the user's fund units, net asset value, amount due, and receiving / sending accounts from the redemption request. Based on this, it generates a structured bridging loan request and sends it to the transaction settlement party. The transaction settlement party can include a bridging bank and a redemption bank; specifically, the bridging loan request can be sent to the bridging bank. The bridging bank and the redemption bank can belong to different financial institutions or the same financial institution; for example, the bridging bank and the redemption bank can be the same bank or different banks. The bridging loan request can include transaction information, such as the user's identity, the number of units to be redeemed, the applicable net asset value, the total amount due, the receiving / sending accounts, and the redemption time limit.

[0049] Transaction settlement parties can receive funding requests through a front-end gateway service. This service can be deployed in a financial cloud security zone and can verify the received funding requests. For example, it can verify the identity of the business party and whether the funding request has been tampered with.

[0050] In other words, investors apply for redemption from industry merchants, industry merchants apply for bridging loans from bridging banks, bridging banks receive bridging loan requests from industry merchants, check the bridging loan requests, and then carry out subsequent settlement transactions.

[0051] S202. Determine the advance payment amount based on the advance payment request; wherein, the advance payment amount represents the amount to be redeemed by the user or the preset amount.

[0052] For example, the transaction information may include the advance payment amount, which is the amount that the user should pay for this redemption, as confirmed by the business party; that is, the amount that needs to be refunded to the user. The advance payment bank can parse the advance payment amount from the advance payment request after receiving it.

[0053] The advance payment amount can also be a preset limit. After responding to the advance payment request, the preset limit can also be obtained as the advance payment amount.

[0054] S203. Based on the preset path selection strategy, determine the target account and send the advance payment amount to the target account through the first preset channel.

[0055] For example, a path selection strategy can be preset, which can be a strategy for determining the target account. For instance, multiple strategies can be preset, specifying which account to use as the target account. The preset path selection strategy is then retrieved, and the target account is determined from the path selection strategy.

[0056] Alternatively, a preset advance payment limit can be set, and the target account can be determined based on the advance payment amount and the preset advance payment limit. The preset advance payment limit is a risk control threshold pre-configured by the transaction settlement party, and its value is not a fixed constant but a dynamic strategy parameter. For example, it can be set according to the qualifications of the business party or fluctuate according to the user's risk level. The preset advance payment limit can be stored in the transaction settlement party's strategy engine database and supports real-time hot updates.

[0057] By comparing the advance payment amount with a preset advance payment limit, the target account can be determined based on the comparison result. For example, two accounts can be pre-set: Account 1 and Account 2. When the advance payment amount is less than or equal to the preset advance payment limit, Account 1 is the target account, managing small amounts of funds. When the advance payment amount is greater than the preset advance payment limit, Account 2 is the target account, managing larger amounts of funds. In other words, different settlement paths are proposed to adapt to different investment and redemption settlement scenarios.

[0058] The first pre-set channel refers to a clearing institution channel with strong regulatory attributes, high consistency, and full-chain auditability. It supports real-time full settlement and meets the requirements of globally unique transaction identifiers within the channel, persistent storage within the channel, and cross-institutional information synchronization. After identifying the target account, the bridging bank initiates a transfer transaction to the first pre-set channel, and the funds are credited to the target account in real time, that is, the bridging amount is transferred to the target account.

[0059] In this embodiment, a controllable framework covering the entire chain of advance payment initiation, fund routing, and channel execution is constructed, with the transaction settlement party as the hub. Through a multi-path fund distribution mechanism driven by preset advance payment limits, the user experience of small redemptions and the fund security of large redemptions are taken into account, thereby improving the fund operation efficiency and compliance governance capabilities of the redemption business.

[0060] In this embodiment, the transaction information includes the user's sending and receiving accounts, and the preset path selection strategy includes a first strategy, which is used to use the user's sending and receiving accounts as target accounts; determining the target account based on the preset path selection strategy includes: if the preset path selection strategy is the first strategy, then obtaining the user's sending and receiving accounts from the transaction information; and determining the user's sending and receiving accounts as target accounts.

[0061] Specifically, transaction information refers to the structured data set generated by the business provider after system verification and calculation during the process of responding to user redemption requests. It includes at least the user's identity identifier, the product code to be redeemed, the redemption share, the corresponding net asset value, the amount payable (i.e., the advance payment amount), the user's sending and receiving accounts, and a timestamp. The user's sending and receiving accounts refer to the bank settlement accounts registered and authenticated by the user with the business provider, used to receive redemption funds; that is, the sending and receiving accounts can be receiving accounts.

[0062] The preset path selection strategy can include a first strategy, which uses the user's sending and receiving accounts as the target accounts. In other words, when the preset path selection strategy is the first strategy, the user's sending and receiving accounts can be directly used as the target accounts.

[0063] The target account can also be determined based on the advance payment amount and the preset advance payment limit. The advance payment amount is the amount payable based on the user's redemption application, while the preset advance payment limit is a risk control parameter pre-configured by the transaction settlement party to distinguish between small direct payments and large-amount transfers. By comparing the advance payment amount with the preset advance payment limit, if the advance payment amount is less than or equal to the preset advance payment limit, the user's sending and receiving accounts can be parsed from the transaction information and identified as the target account. In other words, the industry party applies for advance payment from the advance payment bank for each redemption application and uploads the investor's receiving account information. The advance payment bank initiates the payment transaction through the first preset channel, directly settling the funds to the investor's receiving account. This ensures that the advance payment funds are directly paid to the end investor in every transaction. The advance payment settlement transaction and the redemption settlement transaction are combined into one. Once the advance payment amount enters the user's sending and receiving account, the redemption can be completed.

[0064] The advantage of this setup is that it enables automated processing of funds directly reaching end users, eliminating the need for intermediaries in the business entity's account. It directly reuses the user's sent and received accounts to complete the transfer, significantly shortening the time interval from redemption application to fund arrival and improving the end-user experience.

[0065] In this embodiment, the preset path selection strategy includes a second strategy, which is used to use the business party's preset account as the target account; determining the target account based on the preset path selection strategy includes: if the preset path selection strategy is the second strategy, then determining the business party's preset account and setting the business party's preset account as the target account.

[0066] Specifically, the preset path selection strategy may include a second strategy, which uses the business party's preset account as the target account. In other words, when the preset path selection strategy is the second strategy, the business party's preset account can be directly used as the target account.

[0067] The pre-registered account of the business party refers to a dedicated fund collection account that the business party has pre-registered and verified with its real name in the transaction settlement system. For example, it could be an account in the redeeming bank. After receiving a funding request, the transaction settlement system can obtain the business party's identification code from the request and automatically match the pre-registered account information based on the business party's identification code.

[0068] The target account can also be determined based on the advance payment amount and the preset advance payment limit. When the advance payment amount exceeds the preset advance payment limit, the system will no longer directly pay the funds to the user's receiving and sending accounts, but will instead transfer the funds to the business party's preset account to complete the crediting. That is, the business party's preset account will be determined as the target account.

[0069] The advantage of this setup is that the target account can be forcibly pointed to a dedicated preset account opened by the business party at the transaction settlement party, which enables adaptation to different investment and redemption settlement scenarios and improves the management efficiency and accuracy of redemption business.

[0070] This application provides a transaction processing method based on redemption transactions. A user sends a redemption request to a service provider, indicating their intention to redeem previously purchased products. After determining the user's transaction information from the redemption request, the service provider sends a funding request to the transaction settlement provider based on that information. Upon receiving the funding request, the service provider determines the funding amount, i.e., the amount the user wishes to redeem; this amount can also be a preset limit. A pre-set path selection strategy is used to determine the target account, i.e., which account the funding amount should be transferred to, and then the funding amount is sent to the target account through a first preset channel. Different paths are set for different redemption amounts, meaning the target account can be specifically determined to adapt to the needs of different investment and redemption settlement scenarios, thus achieving effective control over investment redemption transactions.

[0071] Figure 3 A flowchart illustrating a transaction processing method based on redemption services provided in this application embodiment is shown below. Figure 3 As shown, this embodiment, based on the above embodiments, provides a detailed description of a transaction processing method based on redemption business. The method includes:

[0072] S301. Receive a funding request from the business party; wherein, the funding request represents a request issued by the business party to the transaction settlement party after responding to the user's redemption request and determining the user's transaction information; the business party represents the institution that conducts product transactions with the user.

[0073] S302. Determine the advance payment amount based on the advance payment request; wherein, the advance payment amount represents the amount to be redeemed by the user or the preset amount.

[0074] S303. Based on the preset path selection strategy, determine the target account and send the advance payment amount to the target account through the first preset channel.

[0075] S304. Receive a settlement request from the service provider; wherein the settlement request is used to instruct the advance payment amount in the preset account to be sent to the user's sending and receiving account, and the settlement request includes the user's sending and receiving account.

[0076] For example, if the target account is the user's personal sending and receiving account, the user will receive the redemption amount after the advance payment is deposited into the target account, and the redemption transaction will be completed without further steps. If the target account is a preset account designated by the business party, the business party can issue a settlement request after receiving the advance payment. For example, it can issue a settlement request to the redemption bank to which the preset account belongs, so that the advance payment can be transferred from the designated preset account to the user's sending and receiving account, thereby completing the redemption.

[0077] A settlement request is a fund transfer instruction initiated by the business party to the transaction settlement party after confirming that the advance payment has been successfully credited to the preset account. It is a key control signal in the redemption business loop. Settlement requests can be automatically triggered by the business party's system, such as through an asynchronous notification based on the successful crediting of the advance payment, or they can be manually submitted after manual review to adapt to business scenarios with different risk control levels.

[0078] S305. Through a preset transaction channel, the advance payment amount in the preset account is sent to the user's sending and receiving account, and a settlement identifier is generated; wherein, the settlement identifier is the transaction identifier generated when the advance payment amount is sent from the preset account to the sending and receiving account; the preset transaction channel is the channel for transaction transfer and settlement.

[0079] For example, a transaction channel is pre-set, which is a clearing institution channel. This could be a first pre-set channel or another channel besides the first pre-set channel. The settlement request includes the user's sending and receiving accounts. After receiving the settlement request, the redeeming bank settles the advanced amount to the user's sending and receiving accounts one by one through the pre-set transaction channel. In other words, after industry merchants apply for advanced funds from the funding bank and receive the advanced amount through the first pre-set channel, they entrust the redeeming bank to settle the advanced amount to the investor's receiving account one by one through the pre-set transaction channel. Each settlement payment in the pre-set transaction channel can correspond to a unique settlement identifier, which can be associated and stored with the user's sending and receiving accounts within the pre-set transaction channel.

[0080] The pre-defined transaction channels serve as the execution vehicle, ensuring the compliance and reliability of fund transfers while providing a trusted environment for the generation and binding of settlement identifiers. As a digital fingerprint of a transaction event, the generation and associated storage of the settlement identifier together form a verifiable, traceable, and statistically significant closed-loop anchor point. This enables targeted payments from the temporary account to the end user through the same or different transaction channels, even when the advance payment is temporarily held in the business party's pre-defined account. The mandatory association between the unique settlement identifier and its sending and receiving accounts facilitates precise and penetrating control over investment redemption fund flows, significantly improving the speed of risk identification, the efficiency of dispute resolution, and the quality of regulatory reporting.

[0081] In this embodiment, the preset transaction channel is a first preset channel, and the settlement identifier is associated with and stored in the first preset channel with the user's sending and receiving accounts. The method further includes: searching for the advance payment identifier corresponding to the user's sending and receiving accounts through the first preset channel; wherein, the advance payment identifier is a transaction identifier generated when the advance payment amount is sent to the preset account or the identifier of the business party to which the preset account belongs, and the advance payment identifier is associated with and stored in the first preset channel with the user's sending and receiving accounts; and the advance payment identifier is associated with and stored in the first preset channel with the settlement identifier.

[0082] Specifically, the first preset channel refers to a standardized payment and clearing channel that is pre-configured and registered with the system, possessing the ability to generate, store, and query transaction identifiers. The bridging bank can transfer the bridging amount to a preset account through the first preset channel. The redeeming bank can also settle the bridging amount to the user's sending and receiving accounts through the first preset channel.

[0083] When the bridging bank sends the bridging amount to the pre-set account in each transaction, a unique bridging identifier is generated for each transaction. That is, the bridging identifier can be a transaction identifier generated when the bridging amount is sent to the pre-set account, or it can be a business identifier. The bridging bank can obtain the user's sending and receiving accounts from the bridging request, and the bridging identifier is associated with the user's sending and receiving accounts and stored in the first pre-set channel.

[0084] In other words, when the bridging bank transfers the bridging amount, it associates the bridging identifier with the receiving and sending accounts and stores it in the first preset channel. Similarly, when the redeeming bank transfers the bridging amount, it associates the settlement identifier with the receiving and sending accounts and stores it in the first preset channel. For each receiving and sending account, the redeeming bank can find the corresponding bridging identifier and settlement identifier in the first preset channel, and then associate and store them in the first preset channel.

[0085] The beneficial effect of this setup is that both the advance payment settlement and redemption settlement processes are completed in the first preset channel. Using the user's sending and receiving accounts as the index entry point, the advance payment identifier is actively retrieved through the first preset channel, and a structured, verifiable, and traceable association is established between it and the newly generated settlement identifier. This enables transparent management of investment redemption, ensures end-to-end reproducibility of fund flows, and significantly improves the transparency of fund flows.

[0086] In this embodiment, the preset transaction channel is a second preset channel, and the settlement identifier and the user's sending and receiving accounts are associated and stored in the second preset channel. The method further includes: receiving a transaction association request issued by the business party; wherein, the transaction association request is used to instruct the transaction process of associating advance payment with settlement, and the transaction association request includes a settlement identifier, an advance payment identifier, and the user's sending and receiving accounts. The advance payment identifier is a transaction identifier generated when the advance payment amount is sent to a preset account or the identifier of the business party to which the preset account belongs; the association relationship between the advance payment identifier and the settlement identifier is determined according to the user's sending and receiving accounts, and the advance payment identifier and the settlement identifier are associated and stored in the first preset channel.

[0087] Specifically, the second pre-set channel is a payment and settlement channel other than the first pre-set channel. For example, the first and second pre-set channels can belong to different banks. The bridging bank can transfer the bridging amount to a pre-set account through the first pre-set channel. The redeeming bank can settle the bridging amount to the user's receiving and sending account through the second pre-set channel.

[0088] When the bridging bank sends the bridging amount to the pre-set account in each transaction, a unique bridging identifier is generated for each transaction. That is, the bridging identifier is the transaction identifier generated when the bridging amount is sent to the pre-set account. The bridging bank can obtain the user's sending and receiving accounts from the bridging request, and the bridging identifier is associated with the user's sending and receiving accounts and stored in the first pre-set channel.

[0089] When the bridging bank transfers the bridging amount, it associates the bridging identifier with the receiving and sending accounts and stores it in a first preset channel. When the redeeming bank transfers the bridging amount, it associates the settlement identifier with the receiving and sending accounts and stores it in a second preset channel. In other words, the bridging settlement and redemption settlement are handled through different channels, resulting in fragmented information in the redemption process. For example, bridging settlement is completed through UnionPay, with funds settled to the merchant's designated account; while redemption settlement is completed through other channels (such as the merchant's own system or a third-party payment platform), with funds ultimately settled to the investor's account. Due to the lack of a unified linkage mechanism, the merchant, bridging bank, and redeeming bank cannot track the complete path of funds from the bridging bank to the investor's account in real time, leading to unclear fund flows and increased transaction risks.

[0090] If the redemption settlement is completed through the second preset channel, the business party can initiate a transaction association request to the redemption bank, instructing the redemption bank to associate the advance payment with the settlement transaction process, that is, to associate the advance payment identifier with the settlement identifier. The advance payment amount is transferred from the business party's preset account to the user's sending and receiving account, so the business party can obtain the settlement identifier in real time. The redemption bank's transaction association request can include the settlement identifier, the advance payment identifier, and the user's sending and receiving account corresponding to the advance payment identifier. Based on the received user's sending and receiving account and settlement identifier, the redemption bank searches for the corresponding settlement identifier in its own storage. After finding the corresponding settlement identifier, it associates the settlement identifier with the advance payment identifier in the transaction association request, thereby establishing the association relationship between the advance payment identifier and the settlement identifier, and stores this association relationship in the first preset channel. That is, when an industry merchant initiates a transaction association request, the redemption settlement information is synchronized to the first preset channel.

[0091] The beneficial effect of this setup is that, through the association identifier, it binds the advance payment settlement and redemption settlement transactions that were originally scattered across different channels, ensuring the traceability of fund flows. This cross-channel transaction association mechanism solves problems such as difficulty in tracking fund flows, low transaction efficiency, and weak risk control capabilities.

[0092] This application provides a transaction processing method based on redemption transactions. A user sends a redemption request to a service provider, indicating their intention to redeem previously purchased products. After determining the user's transaction information from the redemption request, the service provider sends a funding request to the transaction settlement provider based on that information. Upon receiving the funding request, the service provider determines the funding amount, i.e., the amount the user wishes to redeem; this amount can also be a preset limit. A pre-set path selection strategy is used to determine the target account, i.e., which account the funding amount should be transferred to, and then the funding amount is sent to the target account through a first preset channel. Different paths are set for different redemption amounts, meaning the target account can be specifically determined to adapt to the needs of different investment and redemption settlement scenarios, thus achieving effective control over investment redemption transactions.

[0093] Figure 4 This is a flowchart illustrating a transaction processing method based on redemption services, provided as an embodiment of this application. This method is applied to the business party, i.e., industry merchants. For example... Figure 4 As shown, this embodiment, based on the above embodiments, provides a detailed description of a transaction processing method based on redemption business. The method includes:

[0094] S401. In response to the user's redemption request, determine the user's transaction information.

[0095] For example, a user's redemption request refers to a user's explicit expression of intent to terminate holding a certain investment product and request the return of corresponding funds, initiated through their own client. The redemption request may include the user's unique identifier, the product code to be redeemed, the redemption amount / share, and the user's preferred expected arrival time. Upon receiving the redemption request, the business system can verify the user's identity; only after successful verification will it issue a funding request to the transaction settlement party.

[0096] S402. Based on the transaction information, issue a funding request to the transaction settlement party; wherein, the funding request is used to instruct the transaction settlement party to determine the funding amount based on the funding request, and to determine the target account based on a preset path selection strategy, and to send the funding amount to the target account through a first preset channel.

[0097] For example, the business party parses the transaction information from the redemption request and generates a funding request based on the transaction information. The funding request is a prepayment instruction initiated by the business party to the transaction settlement party (such as the funding bank).

[0098] Upon receiving a funding request, the settlement party determines the funding amount based on a pre-set limit or the limit specified in the transaction information. It then identifies the target account based on a pre-defined path selection strategy and sends the funding amount to the target account through a first pre-defined channel. If the target account is the user's sending / receiving account, the redemption transaction is complete.

[0099] In this embodiment, the method further includes: obtaining the user's sending and receiving accounts from the transaction information; if the target account is the business party's preset account, then after determining that the advance payment amount has been received in the target account, sending a settlement request to the transaction settlement party; wherein, the settlement request includes the user's sending and receiving accounts, and the settlement request is used to instruct the transaction settlement party to send the advance payment amount in the preset account to the user's sending and receiving accounts.

[0100] Specifically, the transaction information may include the user's sending and receiving accounts. If the target account is not the user's sending and receiving account, that is, if the target account is a preset account in the redemption bank instructed by the business party, the bridging bank will send the bridging amount to the preset account. At this time, the business party confirms that the bridging amount has been received in the target account and sends a settlement request to the redemption bank, which then sends the bridging amount from the preset account to the user's sending and receiving accounts.

[0101] The redeeming bank can conduct redemption settlement through either the first or second preset channel. If the funding bank and the redeeming bank transfer funds through the same channel, information can be traced through the associated identifier. If the funding bank and the redeeming bank transfer funds through different channels, the bedside information can be synchronized to the first preset channel, forming a closed loop for fund management. The traceable information includes the funding identifier, settlement identifier, and the user's sending and receiving accounts.

[0102] Figure 5 This is a multi-path diagram for redemption transactions. Investors apply for redemption from industry merchants, and industry merchants apply for bridging loans from the bridging bank. Path 1 involves direct payment of the bridging loan amount to the end investor for each transaction, combining the bridging loan settlement transaction and the redemption settlement transaction into one step. Path 2 involves both the bridging loan settlement transaction and the redemption settlement transaction being completed through a first pre-set channel and directly linked by an identifier. Path 3 involves the bridging loan settlement transaction being completed through the first pre-set channel, and the redemption settlement transaction being completed through a second pre-set channel, synchronizing the penetration information to the first pre-set channel to form a closed loop for fund management.

[0103] The advantage of this setup is that the business party only initiates the settlement instruction after the advance payment is received, avoiding the risks of idle funds and credit overdraft, improving the real-time and reliable perception of the business party's accounting status, and achieving efficient management of redemption business.

[0104] This application provides a transaction processing method based on redemption transactions. A user sends a redemption request to a service provider, indicating their intention to redeem previously purchased products. After determining the user's transaction information from the redemption request, the service provider sends a funding request to the transaction settlement provider based on that information. Upon receiving the funding request, the service provider determines the funding amount, i.e., the amount the user wishes to redeem; this amount can also be a preset limit. A pre-set path selection strategy is used to determine the target account, i.e., which account the funding amount should be transferred to, and then the funding amount is sent to the target account through a first preset channel. Different paths are set for different redemption amounts, meaning the target account can be specifically determined to adapt to the needs of different investment and redemption settlement scenarios, thus achieving effective control over investment redemption transactions.

[0105] Figure 6 This is a schematic diagram of a transaction processing device based on redemption services, provided as an embodiment of this application. This device is applied to the transaction settlement side. Figure 6 As shown, the transaction processing device 60 based on redemption business provided in this embodiment includes:

[0106] The request receiving unit 601 is used to receive a funding request issued by the business party; wherein, the funding request represents a request issued by the business party to the transaction settlement party after responding to the user's redemption request and determining the user's transaction information; the business party represents the institution that conducts product transactions with the user.

[0107] The credit limit determination unit 602 is used to determine the credit limit based on the credit request; wherein, the credit limit represents the amount to be redeemed by the user or a preset amount;

[0108] The advance payment execution unit 603 is used to determine the target account based on a preset path selection strategy and send the advance payment amount to the target account through a first preset channel.

[0109] In one possible implementation, the transaction information includes the user's sending and receiving accounts, and the preset path selection strategy includes a first strategy, which is used to select the user's sending and receiving accounts as the target accounts; the advance payment execution unit 603 is specifically used for:

[0110] If the preset path selection strategy is the first strategy, then the user's sending and receiving accounts are obtained from the transaction information;

[0111] The user's sending and receiving accounts are identified as the target accounts.

[0112] In one possible implementation, the preset path selection strategy includes a second strategy, which is used to select the business party's preset account as the target account; the advance payment execution unit 603 is specifically used for:

[0113] If the preset path selection strategy is the second strategy, then the preset account of the business party is determined and designated as the target account.

[0114] One possible implementation also includes:

[0115] The settlement unit is used to receive a settlement request from the business party after the advance payment amount has been sent to the target account; wherein the settlement request is used to instruct the advance payment amount in the preset account to be sent to the user's sending and receiving account, and the settlement request includes the user's sending and receiving account;

[0116] The sending unit is used to send the advance payment amount in the preset account to the user's sending and receiving account through a preset transaction channel, and generate a settlement identifier; wherein, the settlement identifier is the transaction identifier generated when the advance payment amount is sent from the preset account to the sending and receiving account; the preset transaction channel is the channel for transaction transfer and settlement.

[0117] In one possible implementation, the preset transaction channel is a first preset channel, and the settlement identifier is associated with and stored in the first preset channel with the user's sending and receiving accounts; the device also includes:

[0118] The first unit is used to find the advance payment identifier corresponding to the user's sending and receiving account through a first preset channel; wherein, the advance payment identifier is a transaction identifier generated when the advance payment amount is sent to the preset account or the identifier of the business party to which the preset account belongs, and the advance payment identifier is associated with the user's sending and receiving account and stored in the first preset channel; the advance payment identifier and the settlement identifier are associated and stored in the first preset channel.

[0119] In one possible implementation, the preset transaction channel is a second preset channel, and the settlement identifier is associated with and stored in the second preset channel with the user's sending and receiving accounts; the device also includes:

[0120] The second unit is used to receive transaction association requests from business parties. The transaction association request is used to instruct the association of the advance payment and settlement transaction processes. The transaction association request includes a settlement identifier, an advance payment identifier, and the user's sending and receiving accounts. The advance payment identifier is a transaction identifier generated when the advance payment amount is sent to a preset account or the identifier of the business party to which the preset account belongs. Based on the user's sending and receiving accounts, the association relationship between the advance payment identifier and the settlement identifier is determined, and the advance payment identifier and the settlement identifier are associated and stored in the first preset channel.

[0121] Figure 7 This is a schematic diagram of a transaction processing device based on redemption services, provided as an embodiment of this application. This device is applied to the service provider. Figure 7 As shown, the transaction processing device 70 based on redemption business provided in this embodiment includes:

[0122] Redemption request unit 701 is used to respond to a user's redemption request and determine the user's transaction information;

[0123] The request sending unit 702 is used to send a funding request to the transaction settlement party based on the transaction information; wherein, the funding request is used to instruct the transaction settlement party to determine the funding amount based on the funding request, determine the target account based on the preset path selection strategy, and send the funding amount to the target account through the first preset channel.

[0124] One possible implementation also includes:

[0125] The account acquisition unit is used to obtain the user's sending and receiving accounts from transaction information;

[0126] The transaction settlement unit is used to send a settlement request to the transaction settlement party after confirming that the advance payment amount has been received in the target account if the target account is the business party's preset account. The settlement request includes the user's sending and receiving accounts and is used to instruct the transaction settlement party to send the advance payment amount in the preset account to the user's sending and receiving accounts.

[0127] This embodiment provides a transaction processing device based on redemption business, which can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.

[0128] Figure 8 This is a schematic diagram of the structure of an electronic device provided in this application. Figure 8 As shown, the electronic device 80 provided in this embodiment includes at least one processor 801 and a memory 802. Optionally, the device 80 further includes a communication component 803. The processor 801, memory 802, and communication component 803 are connected via a bus 804.

[0129] In a specific implementation, at least one processor 801 executes computer execution instructions stored in memory 802, causing at least one processor 801 to perform the above-described method.

[0130] The specific implementation process of processor 801 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.

[0131] In the above embodiments, it should be understood that the processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in this invention can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0132] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage device.

[0133] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.

[0134] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described method.

[0135] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the above-described method.

[0136] The aforementioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.

[0137] An exemplary readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can reside in an Application Specific Integrated Circuit (ASIC). Alternatively, the processor and the readable storage medium can exist as discrete components in the device.

[0138] The division of units is merely a logical functional division; in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be indirect coupling or communication connection through some interfaces, devices, or units, and may be electrical, mechanical, or other forms.

[0139] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0140] In addition, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0141] If a function is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this invention, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0142] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0143] Finally, it should be noted that other embodiments of the invention will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This invention is intended to cover any variations, uses, or adaptations of the invention that follow the general principles of the invention and include common knowledge or customary techniques in the art not disclosed herein, and is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of the invention is limited only by the appended claims.

Claims

1. A transaction processing method based on redemption business, characterized in that, The method is applied to the transaction settlement party; the method includes: Receive a funding request from a business entity; wherein, the funding request represents a request issued by the business entity to the transaction settlement party after responding to a user's redemption request and determining the user's transaction information; the business entity represents the institution that conducts product transactions with the user; Based on the advance payment request, the advance payment amount is determined; wherein, the advance payment amount represents the amount to be redeemed by the user or a preset amount; Based on a preset path selection strategy, a target account is determined, and the advance payment amount is sent to the target account through a first preset channel.

2. The method according to claim 1, characterized in that, The transaction information includes the user's sending and receiving accounts, and the preset path selection strategy includes a first strategy, which is used to use the user's sending and receiving accounts as target accounts. Based on a preset path selection strategy, the target account is determined, including: If the preset path selection strategy is the first strategy, then the user's sending and receiving accounts are obtained from the transaction information; The user's sending and receiving accounts are identified as the target accounts.

3. The method according to claim 1, characterized in that, The preset path selection strategy includes a second strategy, which is used to use the business party's preset account as the target account. Based on a preset path selection strategy, the target account is determined, including: If the preset path selection strategy is the second strategy, then the preset account of the business party is determined, and the preset account of the business party is determined as the target account.

4. The method according to claim 3, characterized in that, After sending the advance payment to the target account, the process also includes: Receive a settlement request from the service provider; wherein the settlement request is used to instruct the advance payment amount in the preset account to be sent to the user's sending and receiving account, and the settlement request includes the user's sending and receiving account; The advance payment amount in the preset account is sent to the user's sending and receiving account through a preset transaction channel, and a settlement identifier is generated; wherein, the settlement identifier is a transaction identifier generated when the advance payment amount is sent from the preset account to the sending and receiving account; the preset transaction channel is a transaction transfer and settlement channel.

5. The method according to claim 4, characterized in that, The preset transaction channel is a first preset channel, and the settlement identifier is associated with and stored in the first preset channel with the user's sending and receiving accounts; the method further includes: The system searches for a funding identifier corresponding to the user's sending and receiving account through the first preset channel; wherein, the funding identifier is a transaction identifier generated when the funding amount is sent to the preset account or the identifier of the business party to which the preset account belongs, and the funding identifier is associated with the user's sending and receiving account and stored in the first preset channel; The advance payment identifier and the settlement identifier are associated and stored in the first preset channel.

6. The method according to claim 4, characterized in that, The preset transaction channel is a second preset channel, and the settlement identifier is associated with and stored in the second preset channel with the user's sending and receiving accounts; the method further includes: Receive a transaction association request from the business party; wherein, the transaction association request is used to instruct the transaction process of associating advance payment with settlement, and the transaction association request includes a settlement identifier, an advance payment identifier, and the user's sending and receiving accounts, wherein the advance payment identifier is a transaction identifier generated when the advance payment amount is sent to a preset account or the identifier of the business party to which the preset account belongs; Based on the user's sending and receiving accounts, the association between the advance payment identifier and the settlement identifier is determined, and the advance payment identifier and the settlement identifier are associated and stored in a first preset channel.

7. A transaction processing method based on redemption business, characterized in that, The method is applied to the business side; the method includes: In response to a user's redemption request, the user's transaction information is determined; Based on the transaction information, a funding request is sent to the transaction settlement party; wherein, the funding request is used to instruct the transaction settlement party to determine the funding amount based on the funding request, and to determine the target account based on a preset path selection strategy, and to send the funding amount to the target account through a first preset channel.

8. The method according to claim 7, characterized in that, Also includes: Obtain the user's sending and receiving accounts from the transaction information; If the target account is the business party's preset account, then after confirming that the advance payment has been received in the target account, a settlement request is sent to the transaction settlement party; wherein, the settlement request includes the user's sending and receiving accounts, and the settlement request is used to instruct the transaction settlement party to send the advance payment in the preset account to the user's sending and receiving accounts.

9. A transaction processing device based on redemption business, characterized in that, The device is used by a transaction settlement party; the device includes: The request receiving unit is used to receive a funding request issued by a business party; wherein, the funding request represents a request issued by the business party to the transaction settlement party after determining the user's transaction information in response to the user's redemption request; the business party represents the institution that conducts product transactions with the user. The credit limit determination unit is used to determine the credit limit based on the credit request; wherein the credit limit represents the amount to be redeemed by the user or a preset amount; The advance payment execution unit is used to determine the target account based on a preset path selection strategy, and send the advance payment amount to the target account through a first preset channel.

10. A transaction processing device based on redemption business, characterized in that, The device is used by the business party; the device includes: A redemption request unit is used to determine the user's transaction information in response to the user's redemption request; The request sending unit is used to send a funding request to the transaction settlement party based on the transaction information; wherein the funding request is used to instruct the transaction settlement party to determine the funding amount based on the funding request, determine the target account based on a preset path selection strategy, and send the funding amount to the target account through a first preset channel.

11. An electronic device, characterized in that, include: Memory, processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory, causing the processor to perform the method as described in any one of claims 1-8.

12. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the method as described in any one of claims 1-8.

13. A computer program product, characterized in that, Includes a computer program that, when executed by a processor, implements the method described in any one of claims 1-8.

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