Transaction processing method and apparatus, electronic device, and storage medium

Abstract

Embodiments of the present disclosure disclose a transaction processing method and device, electronic equipment and storage medium, the method comprising: in response to a transaction initiation operation in a first application for a target transaction, displaying transaction guidance information provided by a transaction assistance platform, the transaction guidance information being used to prompt the transfer of a first amount of resources; calling a second application to jump to a resource transfer page; in response to a resource transfer operation in the resource transfer page, displaying a transaction result of the target transaction on the transaction assistance platform, the resource transfer operation being used to transfer a second amount of resources from a resource transfer-out account to a resource transfer-in account, the second amount of resources being greater than the first amount of resources; and when the transaction result indicates that the target transaction has been successful, displaying a resource return result on the transaction assistance platform, the resource return result being used to indicate the transfer of a balance amount of resources from the resource transfer-in account to the resource transfer-out account.

Description

Technical Field

[0001] This disclosure relates to the field of computer technology, and in particular to a transaction processing method, apparatus, electronic device, and storage medium. Background Technology

[0002] During a transaction, resources of a corresponding amount can be transferred from the resource-transferring account to the resource-receiving account to complete the transaction. For example, when a user needs to purchase goods from a merchant, the corresponding amount of resources is transferred from the user's resource-transferring account to the merchant's resource-receiving account. However, when the numerical expression of the resource amount is complex, such as containing decimal places or presenting as a long string of numbers with no regularity, errors in the input of the resource amount are prone to occur in actual operation, causing the transaction to fail to complete normally and needing to be re-initiated, thereby reducing the success rate and timeliness of resource transfer during the transaction process. Summary of the Invention

[0003] The following is an overview of the subject matter described in detail in this disclosure. This overview is not intended to limit the scope of the claims.

[0004] This disclosure provides a transaction processing method, apparatus, electronic device, and storage medium that can improve the success rate and timeliness of resource transfer in transactions.

[0005] On one hand, embodiments of this disclosure provide a transaction processing method, including: In response to a transaction initiation operation for a target transaction in the first application, transaction guidance information provided by the transaction assistance platform is displayed, which prompts the transfer of a first amount of resources to the resource receiving account of the target transaction through the second application; The second application is invoked to redirect to the resource transfer page; In response to the resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform. The resource transfer operation is used to transfer a second amount of resources from the resource transfer-out account to the resource receiving account, where the second amount of resources is greater than the first amount of resources. When the transaction result indicates that the target transaction has been successful, the resource return result is displayed on the transaction assistance platform. The resource return result is used to indicate that the difference in resource amount is transferred from the resource receiving account to the resource transferring account. The difference in resource amount is determined based on the difference between the second resource amount and the first resource amount.

[0006] On the other hand, embodiments of this disclosure also provide a transaction processing apparatus, including: The first processing module is used to respond to a transaction initiation operation for the target transaction in the first application and display transaction guidance information provided by the transaction assistance platform. The transaction guidance information is used to prompt the transfer of a first amount of resources to the resource receiving account of the target transaction through the second application. The second processing module is used to call the second application to jump to and display the resource transfer page; The third processing module is used to respond to the resource transfer operation on the resource transfer page and display the transaction result of the target transaction on the transaction assistance platform. The resource transfer operation is used to transfer the second amount of resources from the resource transfer-out account to the resource receiving account, where the second amount of resources is greater than the first amount of resources. The fourth processing module is used to display a resource return result on the transaction assistance platform when the transaction result indicates that the target transaction has been successful. The resource return result is used to indicate that the difference in resource amount is transferred from the resource receiving account to the resource transferring account. The difference in resource amount is determined based on the difference between the second resource amount and the first resource amount.

[0007] Furthermore, the aforementioned transaction processing device also includes a recommendation module, which is specifically used for: The system displays transaction recommendation information provided by the transaction assistance platform. This recommendation information is used to prompt the transfer of the second resource amount to the resource receiving account and to prompt the return of the difference in resource amount after the target transaction is successful.

[0008] Furthermore, the aforementioned first processing module is specifically used for: In response to a transaction initiation operation for the target transaction in the first application, the payment guidance page of the transaction assistance platform is displayed; The payment guidance page displays transaction guidance information and transaction recommendation information provided by the transaction assistance platform.

[0009] Furthermore, the resource transfer account is a resource account that has no business relationship with the transaction assistance platform, and the aforementioned first processing module is specifically used for: In response to a transaction initiation operation for the target transaction in the first application, a first transaction method selection page is displayed, which displays a first selection control with a transaction assistance platform. In response to the triggering operation of the first selection control, the second transaction method selection page of the transaction assistance platform is displayed. The second transaction method selection page displays a second selection control, which is used to select a resource account that does not have a business relationship with the transaction assistance platform. In response to the triggering operation of the second selection control, the payment guidance page of the transaction assistance platform is displayed.

[0010] Furthermore, the aforementioned transaction processing device also includes a fifth processing module, which is specifically used for: Send the transaction information of the target transaction to the transaction assistance platform; The transaction assistance platform determines the resource receiving account and the first resource quantity based on the transaction information; The transaction assistance platform determines the recommended range of resource quantity based on the first resource quantity and the preset difference limit parameter; After determining the second resource quantity within the recommended resource quantity range, the transaction assistance platform returns a jump link for displaying the transaction guidance information and the transaction recommendation information.

[0011] Furthermore, the aforementioned fifth processing module is specifically used for: When the upper limit parameter of the difference includes the target difference threshold, the transaction assistance platform uses the first resource quantity as the lower limit of the range and the sum of the first resource quantity and the target difference threshold as the upper limit of the range, and determines the recommended range of resource quantity based on the lower limit of the range and the upper limit of the range. Alternatively, when the upper limit parameter of the difference includes a reference ratio, the transaction assistance platform determines the target difference threshold based on the product of the first resource quantity and the reference ratio, uses the first resource quantity as the lower limit of the range, uses the sum of the first resource quantity and the target difference threshold as the upper limit of the range, and determines the recommended range of resource quantity based on the lower limit of the range and the upper limit of the range.

[0012] Furthermore, the aforementioned fifth processing module is also used for: The transaction assistance platform determines a second resource quantity that meets the value constraint condition within the recommended resource quantity range. The value constraint condition is used to constrain the second resource quantity to be an integer multiple of G, where G is a positive integer.

[0013] Furthermore, the resource transfer account, the resource receiving account, and the first resource quantity are associated and recorded in the first record information by the transaction assistance platform. The transaction processing device further includes a sixth processing module, which is specifically used for: The transaction assistance platform receives resource transfer information sent by a third application to which the resource receiving account belongs. The resource transfer information is sent when the third application detects that the resource receiving account has been transferred to the second amount of resources. The transaction assistance platform filters out the first record information associated with the resource transfer-out account based on the resource transfer-in information, matches the resource transfer-in information with the first record information, and returns a transaction result indicating that the target transaction has been successful when the resource transfer-in information and the first record information are successfully matched.

[0014] Furthermore, when filtering out the first record information associated with the resource transfer-out account and at least one candidate record information based on the resource transfer-in information, the sixth processing module is further configured to: When the first difference determined based on the resource transfer information and the first record information is less than a preset target difference threshold, and the second difference determined based on the resource transfer information and any candidate record information is greater than or equal to the target difference threshold, it is determined that the resource transfer information and the first record information are successfully matched, and the first difference is equal to the difference in resource amount.

[0015] Furthermore, the aforementioned sixth processing module is also used for: When the first difference is less than the target difference threshold and the second difference is less than the target difference threshold, the size relationship between the first difference and the second difference is determined. When the size relationship indicates that the first difference is less than the second difference, it is determined that the resource transfer information and the first record information are successfully matched.

[0016] Furthermore, the resource transfer information is recorded in the second record information by the transaction assistance platform, and the aforementioned sixth processing module is specifically used for: When the resource transfer information successfully matches the first record information, the resource transfer information is authenticated. When the identity verification of the resource transfer information is successful, the binding relationship between the first record information and the resource transfer information is added to the second record information, the status of the first record information with the binding relationship is updated to the transaction success status, and the resources of the first resource amount in the resource receiving account are determined as resources to be settled. Based on the first record information that is in a successful transaction state, a transaction result indicating that the target transaction has been successful is returned.

[0017] Furthermore, the aforementioned transaction processing device also includes a seventh processing module, which is specifically used for: The transaction assistance platform generates third record information based on the difference in resource amount, the resource transfer-out account, and the resource receiving account; The transaction assistance platform generates a resource return request based on the third record information and sends the resource return request to the third application, so that the third application can respond to the resource return request and transfer the difference in resource amount from the resource receiving account to the resource transferring account.

[0018] Furthermore, the resource transfer page displays information input controls, account selection controls, and a confirm transfer control. The aforementioned third processing module is specifically used for: In response to the input operation of the resource receiving account and the second resource quantity in the information input control, the resource receiving account and the second resource quantity are displayed on the resource transfer page; In response to the selection of the resource transfer account in the account selection control, the resource transfer account is displayed on the resource transfer page; In response to the triggering operation of the determined transfer control, the transaction assistance platform is displayed, and the transaction result of the target transaction is displayed on the transaction assistance platform.

[0019] On the other hand, embodiments of this disclosure also provide an electronic device, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the transaction processing method described above.

[0020] On the other hand, embodiments of this disclosure also provide a computer-readable storage medium storing a computer program that is executed by a processor to implement the transaction processing method described above.

[0021] On the other hand, this disclosure also provides a computer program product comprising a computer program stored in a computer-readable storage medium. A processor of a computer device reads the computer program from the computer-readable storage medium and executes the computer program, causing the computer device to perform the transaction processing method described above.

[0022] The embodiments disclosed herein include at least the following beneficial effects: In response to a transaction initiation operation for a target transaction in a first application, transaction guidance information provided by a transaction assistance platform is displayed. This guidance information prompts the transfer of a first resource quantity to the resource receiving account of the target transaction via a second application. Upon prompting the transaction guidance information, the second application is invoked to display a resource transfer page. Then, in response to a resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform. When the transaction result indicates that the target transaction has been successful, a resource return result is displayed on the transaction assistance platform. Since the resource transfer operation is used to transfer a second resource quantity... Resources are transferred from the resource-transferring account to the resource-receiving account, and the actual amount of the second resource transferred is greater than the amount of the first resource that needs to be transferred. Therefore, transferring resources exceeding the required amount can still complete the target transaction. Furthermore, since the resource return result is used to instruct the transfer of the difference in resource amount from the resource-receiving account to the resource-transferring account, and the difference in resource amount is determined based on the difference between the second and first resource amounts, the excess difference in resource amount can be automatically returned. This achieves the automatic return of the excess portion when the target transaction is completed through excess transfer, ensuring the security and reliability of the target transaction and improving the success rate and timeliness of resource transfer in the transaction.

[0023] Other features and advantages of this disclosure will be set forth in the following description and will be apparent in part from the description or may be learned by practicing this disclosure. Attached Figure Description

[0024] The accompanying drawings are provided to further understand the technical solutions of this disclosure and constitute a part of the specification. They are used together with the embodiments of this disclosure to explain the technical solutions of this disclosure and do not constitute a limitation on the technical solutions of this disclosure.

[0025] Figure 1 A schematic diagram illustrating an optional implementation environment provided for an embodiment of this disclosure; Figure 2 A schematic diagram of an optional transaction processing method provided in an embodiment of this disclosure; Figure 3 This is an optional page diagram of the first transaction method selection page provided in an embodiment of this disclosure; Figure 4 This is a schematic diagram of an optional page for selecting the initial transaction method provided in an embodiment of this disclosure; Figure 5 An optional page illustration provided for an embodiment of this disclosure; Figure 6 An optional page illustration provided for selecting other resource accounts in an embodiment of this disclosure; Figure 7An optional page diagram of a resource transfer page provided in an embodiment of this disclosure; Figure 8 This is an optional page illustration provided in an embodiment of the present disclosure for querying transaction results; Figure 9 A schematic diagram of an optional architecture for the transaction processing method provided in this embodiment of the disclosure; Figure 10 This is a schematic diagram of an optional structure of the transaction processing apparatus provided in an embodiment of the present disclosure; Figure 11 This is a partial structural block diagram of a terminal provided in an embodiment of the present disclosure; Figure 12 This is a partial structural block diagram of a server provided in an embodiment of this disclosure. Detailed Implementation

[0026] To make the objectives, technical solutions, and advantages of this disclosure clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and are not intended to limit the scope of this disclosure.

[0027] It should be noted that in the various specific embodiments of this disclosure, when processing is required based on data related to the characteristics of the target object, such as target object attribute information or a set of attribute information, the permission or consent of the target object will be obtained first. Furthermore, the collection, use, and processing of this data will comply with relevant laws, regulations, and standards. The target object can be a user. In addition, when embodiments of this disclosure require obtaining target object attribute information, separate permission or consent from the target object will be obtained through pop-ups or redirection to a confirmation page. Only after obtaining the target object's separate permission or consent will the necessary target object-related data for the normal operation of the embodiments of this disclosure be obtained.

[0028] In this disclosure, the terms "module" or "unit" refer to a computer program or part of a computer program that has a predetermined function and works with other related parts to achieve a predetermined goal, and can be implemented wholly or partially using software, hardware (such as processing circuitry or memory), or a combination thereof. Similarly, a processor (or multiple processors or memory) can be used to implement one or more modules or units. Furthermore, each module or unit can be part of an overall module or unit that includes the functionality of that module or unit.

[0029] During a transaction, resources of a corresponding amount can be transferred from the resource-transferring account to the resource-receiving account to complete the transaction. For example, when a user needs to purchase goods from a merchant, the corresponding amount of resources is transferred from the user's resource-transferring account to the merchant's resource-receiving account. However, when the numerical expression of the resource amount is complex, such as containing decimal places or presenting as a long string of numbers with no regularity, errors in the input of the resource amount are prone to occur in actual operation, causing the transaction to fail to complete normally and needing to be re-initiated, thereby reducing the success rate and timeliness of resource transfer during the transaction process.

[0030] Based on this, the present disclosure provides a transaction processing method, apparatus, electronic device, and storage medium that can improve the success rate and timeliness of resource transfer in transactions.

[0031] Reference Figure 1 , Figure 1 This is a schematic diagram of an optional implementation environment provided by an embodiment of the present disclosure. The implementation environment includes a terminal 101 and a server 102, wherein the terminal 101 and the server 102 are connected through a communication network.

[0032] For example, in response to a transaction initiation operation for the target transaction in the first application, terminal 101 can display transaction guidance information provided by the transaction assistance platform. The transaction guidance information can be sent to terminal 101 by server 102. The transaction guidance information is used to prompt the transfer of a first resource amount of resources to the resource receiving account of the target transaction through the second application. The second application is invoked to jump to and display a resource transfer page. In response to the resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform. The resource transfer operation is used to transfer a second resource amount of resources from the resource transferor account to the resource receiving account. The second resource amount is greater than the first resource amount. When the transaction result indicates that the target transaction has been successful, a resource return result is displayed on the transaction assistance platform. The resource return result is used to indicate that the resource difference amount of resources is transferred from the resource receiving account to the resource transferor account. The resource difference amount is determined based on the difference between the second resource amount and the first resource amount. The transaction result and the resource return result can be sent to terminal 101 by server 102.

[0033] Terminal 101, in response to a transaction initiation operation for the target transaction in the first application, displays transaction guidance information provided by the transaction assistance platform. This guidance information prompts the transfer of a first resource amount to the resource receiving account of the target transaction via the second application. Following the guidance, the second application is invoked to display a resource transfer page. Then, in response to the resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform. When the transaction result indicates that the target transaction has been successful, the resource return result is displayed on the transaction assistance platform. Since the resource transfer operation is used to transfer the second resource amount from the resource transfer... When resources are transferred from the sending account to the receiving account, and the actual amount of the second resource transferred is greater than the amount of the first resource that needs to be transferred, the target transaction can still be completed even if resources exceed the required amount. Furthermore, since the resource return result is used to instruct the transfer of the difference in resource amount from the receiving account to the sending account, and the difference in resource amount is determined based on the difference between the second and first resource amounts, the excess difference in resource amount can be automatically returned. This achieves the automatic return of the excess portion when the target transaction is completed through excess transfer, ensuring the security and reliability of the target transaction, and improving the success rate and timeliness of resource transfer in the transaction.

[0034] Server 102 can be a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms. Additionally, server 102 can also be a node server in a blockchain network.

[0035] Terminal 101 may be a mobile phone, computer, smart voice interaction device, smart home appliance, vehicle terminal, etc., but is not limited to these. Terminal 101 and server 102 can be directly or indirectly connected through wired or wireless communication, and this embodiment of the disclosure does not impose any limitations.

[0036] Reference Figure 2 , Figure 2 This is an optional flowchart of a transaction processing method provided in an embodiment of the present disclosure. The transaction processing method can be executed by a server, or by a terminal, or by a server in cooperation with a terminal. The transaction processing method includes, but is not limited to, the following steps 201 to 204.

[0037] Step 201: In response to the transaction initiation operation for the target transaction in the first application, display transaction guidance information provided by the transaction assistance platform.

[0038] In this context, a target transaction is used to transfer resources to a resource receiving account. In other words, a target transaction is a transaction that requires the transfer of resources. During the target transaction process, the required amount of resources is transferred from the resource transferor account to the resource receiving account. The resource transferor account refers to the account held by the resource transferor, and the resource receiving account refers to the account associated with the resource receiving account. For example, a target transaction may include purchasing business products, paying bills, making payment settlement statements, or transferring funds. Specifically, a target transaction may include the resource transferor purchasing business products provided by the resource receiving account, the resource transferor paying bills or settlement statements provided by the resource receiving account, or the resource transferor making a documentless transfer to the resource receiving account.

[0039] It should be noted that both the resource receiving object and the resource transferring object can be individuals, enterprises, or institutions. Taking the purchase of a business product as an example, the resource receiving object can be the object that provides the business product, and the resource transferring object can be the object that purchases the business product. The business product is a tradable product provided by the resource receiving object, and the business product can be a commodity or service, etc. This disclosure does not limit the scope of the embodiments.

[0040] The first application is the application that initiates the transaction. Taking the target transaction as the purchase of business products as an example, the first application can be the application that places an order for the business products. For example, the first application can be a procurement application, or a procurement platform, and the business products are products sold on the procurement platform.

[0041] Specifically, the first application can be a native application or a mini-program. A native application refers to an application developed based on a specific operating system and running in the native environment of that operating system. It can include mobile applications and desktop applications. For example, the terminal can directly run the first application implemented in the form of a native application. A mini-program is a lightweight application that is nested inside other applications. It usually relies on the mini-program framework provided by other applications to run. For example, the first application in the form of a mini-program can rely on the mini-program framework provided by a communication application. In addition, the first application can also be accessed and used in the terminal's browser in the form of a web page. For example, the terminal can access and use the first application through the native browser, or through the browser built into the communication application or other applications.

[0042] It should be noted that the transaction initiation operation for the target transaction in the first application can take various forms. For example, the transaction initiation operation can be a single operation. Taking the target transaction as the purchase of a business product as an example, the terminal can display the order page of the first application. The order page can display product information of at least one business product and an order control. The transaction initiation operation for the target transaction can be a trigger operation of the order control, thereby realizing the purchase of the business product displayed on the order page. Alternatively, the transaction initiation operation for the target transaction can also be a series of operations. Taking the target transaction as the purchase of a business product as an example, the terminal can display the order page of the first application. The order page can display product information of multiple business products and corresponding checkboxes. The checkboxes are used to select the corresponding business product. The order page can also display an order control. The transaction initiation operation for the target transaction can include selecting at least one checkbox and triggering the order control, thereby realizing the purchase of the selected business product.

[0043] The transaction assistance platform can be understood as a payment service used to facilitate resource transfers for transactions. With its assistance, reconciliation costs can be reduced, transaction efficiency improved, and risks mitigated. It's important to note that the transaction assistance platform's client can run on a mobile device. This client can be a native application or a mini-program. For example, if the client is a native application, the device can run it directly. Alternatively, if it's a mini-program, the device can first run a communication application and then run the transaction assistance platform's client through the mini-program framework provided by that application. Furthermore, the transaction assistance platform can also be accessed and used in a browser on the device. For instance, the device can access and use the platform through its native browser, or through a browser built into a communication application, the primary application, or other applications. It's worth noting that the transaction assistance platform can be a standalone platform or an integral part of the primary application itself, depending on the specific application scenario.

[0044] Among them, the transaction guidance information is used to prompt the transfer of a first resource amount of resources to the resource receiving account of the target transaction through the second application. The type of resources can be various, such as funds, assets, digital resources, etc. The first resource amount is used to represent the quantitative indicator of the resources to be transferred. For example, when the type of resources is funds, the first resource amount can be a specific amount. Then, the resource receiving account can specifically be the custodian account associated with the resource recipient in the transaction assistance platform. A custodian account is a dedicated account opened by a custodian institution for a client, used to safeguard and manage the client's funds, assets, or digital resources. Operations of the custodian account require joint confirmation from both the client and the custodian institution. Furthermore, the client's funds, assets, or digital resources are protected within the custodian account and cannot be arbitrarily disposed of. The custodian institution can be a resource institution. A resource recipient can be associated with at least one custodian account, and different custodian accounts can be opened through different custodian institutions. When facilitating resource transfer for a target transaction through the transaction assistance platform, the platform can determine one of the custodian accounts as the resource receiving account based on preset account selection rules.

[0045] Then, the transaction guidance information can include information required for the transfer of resources in the target transaction. For example, the transaction guidance information can include the account information of the resource receiving account, operational guidance information for prompting the transfer of resources through a second application, and the initial resource amount required for the transaction. The account information of the resource receiving account can include the account name, account number, and the name of the resource institution to which the resource receiving account belongs. The resource institution can be a financial institution; for example, when the resource institution is a bank, the account name of the resource receiving account is the name of the bank card account holder, the account number is the bank card number, and the institution name is the bank name. The transaction guidance information can be displayed on the page provided by the transaction assistance platform. For example, it can be accessed and used through a browser or mini-program framework built into the communication application to view the transaction guidance information provided by the transaction assistance platform. The form of the transaction guidance information can be diverse; for example, it can include text, images, video, or audio. Functions such as information copying and highlighting can also be provided for the transaction guidance information to facilitate convenient use by users.

[0046] It should be noted that the implementation of displaying transaction guidance information can be varied. For example, in response to a transaction initiation operation for the target transaction in the first application, an original payment order for the target transaction can be generated on the backend server of the first application, and a pre-configured transaction assistance platform can be automatically used to assist in the payment of the original payment order. Then, transaction guidance information provided by the transaction assistance platform can be automatically displayed on the front-end page of the first application. This transaction guidance information is used to prompt the transfer of a first resource amount to the resource receiving account of the target transaction through the second application. This first resource amount is the amount of resources required to pay the original payment order. As another example, in response to a transaction initiation operation for the target transaction in the first application, an original payment order for the target transaction can be generated on the backend server of the first application, and a first transaction method selection page can be displayed on the front-end page of the target transaction. The first transaction method selection page can display at least one transaction assistance platform and the order information of the original payment order. Then, in response to the selection operation of any transaction assistance platform on the first transaction method selection page, transaction guidance information provided by the selected transaction assistance platform can be displayed.

[0047] For example, taking the purchase of a business product as the target transaction, the following describes an optional complete process for displaying transaction guidance information. The terminal may run a communication application. The terminal can access the first application through the communication application's mini-program framework or a built-in browser. In response to an order placed for a business product in the first application, the terminal can display a payment page. The payment page displays the original payment order generated by the backend server of the first application based on the ordered business product. Then, in response to a payment operation on the original payment order, the terminal can send the order information of the original payment order to a transaction assistance platform. The transaction assistance platform determines the transaction guidance information based on the order information and displays the transaction guidance information provided by the transaction assistance platform on its front-end page. For example, the payment page may display a payment control for the original payment order. The payment operation for the original payment order may be a trigger operation for the payment control, which may include clicking or dragging / dropping the payment control. Furthermore, the trigger operation for the payment control may be a single operation or a series of operations, depending on the actual design of the payment control; this embodiment does not limit this.

[0048] Step 202: Invoke the second application to redirect and display the resource transfer page; The second application is a resource application used for transferring resources. This resource application can be provided by a resource organization, allowing users to query, manage, and transfer the resources they hold at that organization. The second application can be a native application on the terminal. Calling the second application can be a response from the terminal to an operation that opens the application. After opening the application, the terminal can automatically jump to and display the resource transfer page, or it can open the application and display a resource transfer entry page with a resource transfer function entry control. Then, the terminal can respond to the triggering operation of the resource transfer function entry control in the second application to jump to and display the resource transfer page.

[0049] Among them, the resource transfer page is an interactive page for transferring resources. For example, when the second application is a banking application, the resource transfer page can be the bank application's transfer page.

[0050] It should be noted that the terminal supports the installation of at least one resource application that supports resource transfer. Users can select one of the resource applications that supports resource transfer as the second application. Specifically, different resource applications can be provided by different resource organizations. Users can select one of the resource applications that meets the resource transfer requirements as the second application based on their resource holdings in various resource organizations. This embodiment of the disclosure does not limit the selection of the second application, which can improve flexibility and convenience.

[0051] Step 203: In response to the resource transfer operation on the resource transfer page, display the transaction result of the target transaction on the transaction assistance platform.

[0052] The resource transfer operation is used to transfer the resources of the second resource quantity from the resource transferor account to the resource receiver account. Specifically, in response to the resource transfer operation on the resource transfer page, the terminal can send a resource transfer instruction to the backend server of the second application, so that the backend server of the second application can respond to the resource transfer instruction and transfer the resources of the second resource quantity from the resource transferor account to the resource receiver account.

[0053] It should be noted that a resource transfer operation can be a series of operations. For example, a resource transfer operation may include entering the account information of the resource receiving account on the resource transfer page, entering the second resource amount, and triggering the confirmation transfer control. In response to entering the account information of the resource receiving account on the resource transfer page, the terminal displays the account information of the resource receiving account on the resource transfer page. In response to entering the second resource amount on the resource transfer page, the terminal displays the second resource amount on the resource transfer page. In response to triggering the confirmation transfer control on the resource transfer page, the terminal sends a resource transfer instruction to the backend server of the second application. Furthermore, a resource transfer operation may also include an information verification operation. For example, after triggering the confirmation transfer control on the resource transfer page, the terminal displays an information verification page. Then, the terminal may respond to the information verification operation on the information verification page. When the information verification is successful, the terminal sends a resource transfer instruction to the backend server of the second application. The information verification operation may include verifying SMS messages or passwords.

[0054] It is worth noting that after the terminal sends a resource transfer instruction to the backend server of the second application, the resource transfer result can be displayed in the second application. The resource transfer result can include whether the resource transfer was successful or failed. For example, when the amount of resources held by the resource recipient in the resource organization of the second application is greater than or equal to the second resource amount, and the resource receiving account successfully receives the required resources, a resource transfer result of successful resource transfer is displayed. On the other hand, when the amount of resources held by the resource recipient in the resource organization of the second application is less than the second resource amount, or the resource receiving account fails to successfully receive the required resources, a resource transfer result of failed resource transfer is displayed.

[0055] It is worth noting that users can learn about the resource receiving account through the transaction guidance information, and then transfer resources to the resource receiving account on the resource transfer page. For example, users can first copy the account information of the resource receiving account from the transaction guidance information, and then paste the account information of the resource receiving account on the resource transfer page, which allows them to conveniently and accurately enter the account information of the resource receiving account on the resource transfer page.

[0056] It should be noted that there are various ways to display the transaction results of the target transaction on the transaction assistance platform. Taking the access and use of the page provided by the transaction assistance platform through the browser or mini-program framework built into the communication application as an example, when the communication application is closed or hidden after the second application is called, the terminal can respond to the operation of opening the communication application, jump to display the communication application, and display the transaction results of the target transaction on the transaction assistance platform. Alternatively, when the communication application and the second application are displayed on the terminal at the same time after the second application is called, there is no need to open the communication application again, and the transaction results of the target transaction can be displayed on the transaction assistance platform.

[0057] The transaction result indicates the status of the target transaction. The result can include "target transaction successful," "target transaction failed," or "target transaction in progress." For example, when the transaction assistance platform determines within a specified time that the resource receiving account has successfully received the required resources, it can generate a "target transaction successful" result. Conversely, if the platform fails to determine within a specified time that the resource receiving account has not successfully received the required resources, it can generate a "target transaction failed" result. Furthermore, if the first application does not receive a success or failure notification for the target transaction within a specified time, it can generate a "target transaction in progress" result. For instance, the specified time could be 15 minutes after the transaction guidance information is displayed. It is worth noting that the first application can also display the transaction result. For example, the transaction assistance platform can periodically send the transaction result to the first application, allowing it to also display the result.

[0058] In this context, the second resource quantity is greater than the first resource quantity, meaning the actual transferred second resource quantity is greater than the required first resource quantity. This implies that even transferring resources exceeding the required amount can complete the transaction. The success of a transaction hinges on whether the transferred resources are sufficient to cover the total resources needed for the target transaction. When the transferred resources are greater than or equal to the required amount, the coverage condition is met, allowing for the successful payment of the original order and thus completing the transaction. Specifically, when the second resource quantity is greater than the first, the coverage condition is satisfied, enabling the successful payment of the original order and completing the transaction. The judgment condition is whether the amount of resources transferred covers the required amount of resources for the transaction, rather than whether the amount of resources transferred is exactly the same as the required amount. Therefore, even if an over-transfer occurs, the transaction can still be completed smoothly. This mechanism, which allows over-transfer to still complete the transaction, can reduce the accuracy requirements of resource transfer and reduce transaction failures caused by incorrect input of resource amounts. For example, when the numerical expression of the first resource amount is relatively complex, it is difficult for the user to accurately input the first resource amount. The user can choose to transfer a second resource amount that is greater than the first resource amount, thereby reducing the accuracy requirements of resource transfer, reducing transaction failures caused by incorrect input of resource amounts, simplifying the transaction process, making the transaction process smoother, and thus improving the success rate and efficiency of resource transfer.

[0059] For example, when the first resource quantity contains decimal places, the user can choose a larger and more accurate integer as the second resource quantity, and then transfer the resources of the second resource quantity from the resource-transferring account to the resource-receiving account. Or, when the first resource quantity is a long, irregular string of numbers, the user can choose a larger and more accurate number as the second resource quantity. For example, assuming the first resource quantity is 461352.49, the user can choose 461360 or 461400 as the second resource quantity, and then transfer the resources of the second resource quantity from the resource-transferring account to the resource-receiving account, thus completing the target transaction.

[0060] It should be noted that the second resource quantity can be determined in various ways. For example, the second resource quantity can be determined by the transaction assistance platform or by the user himself. As long as the second resource quantity is greater than the first resource quantity, this embodiment of the disclosure is not limited here.

[0061] Step 204: When the transaction result indicates that the target transaction has been successful, the resource return result is displayed on the transaction assistance platform.

[0062] The resource return result is used to instruct the transfer of the excess resource amount from the resource receiving account to the resource transferring account. The excess resource amount is determined based on the difference between the second and first resource amounts; that is, the excess resource amount is the difference between the second and first resource amounts. In other words, when completing a target transaction through excess transfer, the excess resource amount needs to be determined based on the difference between the second and first resource amounts. The automatic return of the excess resource amount is equivalent to automatic change, ensuring the security and reliability of the target transaction, effectively enhancing the reliability of the transaction assistance platform. Moreover, it requires no manual intervention, significantly reducing operating costs. The unreturned portion is used for the original payment order, ensuring the successful completion of the target transaction. The excess transfer method is equivalent to "overpayment." The resource return result can be displayed on a page provided by the transaction assistance platform. For example, it can be accessed and used through a browser or mini-program framework built into a communication application to view the resource return result provided by the transaction assistance platform. The resource return result can take various forms, such as text, images, video, or audio.

[0063] It should be noted that the timing of resource return results can vary. For example, a resource return result can be generated when the transaction assistance platform requests a resource return or when it confirms a resource return. Specifically, a resource return result can be generated when the transaction assistance platform sends a resource return request. The resource return request is used to request the transfer of the difference in resource amount from the resource receiving account to the resource transferring account. In this case, the resource return result can notify the user that a resource return is expected in the target transaction. For example, assuming the first resource amount is 461352.49, the second resource amount is 461400, and the difference in resource amount is 47.51, the resource return result could be: "Your order has been successfully paid, and the excess payment of 47.51 will be refunded to your original payment method." "Please check your account." Alternatively, the resource return result can also be generated when the transaction assistance platform determines the difference in resource amount when resources are transferred from the resource receiving account to the resource transferring account. In this case, the resource return result can notify the user that resources have been returned in the target transaction. For example, assuming the first resource amount is 461352.49, the second resource amount is 461400, and the difference in resource amount is 47.51, then the first resource amount is equivalent to the order amount, the second resource amount is equivalent to the transfer amount, and the difference in resource amount is equivalent to the change. The resource return result could be "Your order has been successfully paid, and the overpayment of 47.51 has been returned to your payment account. Please check your account." This embodiment of the disclosure does not limit the timing of the generation of the resource return result.

[0064] It is worth noting that the transaction assistance platform supports multiple ways of displaying transaction results and resource return results. For example, transaction results and resource return results can be displayed simultaneously on the same page, or sequentially on the same page, or separately on different pages. This disclosure does not limit these methods.

[0065] Based on this, in response to a transaction initiation operation for the target transaction in the first application, transaction guidance information provided by the transaction assistance platform is displayed. This guidance information prompts the transfer of a first resource amount to the resource receiving account of the target transaction through the second application. Following the prompts in the guidance information, the second application is invoked to display a resource transfer page. Then, in response to the resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform. When the transaction result indicates that the target transaction has been successful, the resource return result is displayed on the transaction assistance platform. Since the resource transfer operation is used to transfer a second resource amount from the resource transfer... When transferring resources from the sending account to the receiving account, and the actual transferred second resource amount exceeds the required first resource amount, the target transaction can still be completed even if resources exceed the required amount. Furthermore, since the resource return result is used to instruct the transfer of the difference in resource amount from the receiving account to the sending account, and the difference in resource amount is determined based on the difference between the second and first resource amounts, the excess resource amount can be automatically returned. This achieves automatic return of the excess portion when completing the target transaction through over-transfer, ensuring the security and reliability of the target transaction and improving the success rate and timeliness of resource transfers. In addition, because allowing the actual transferred second resource amount to exceed the required first resource amount reduces the accuracy requirements for resource transfers, decreases transaction failures due to incorrect resource amount input, simplifies the transaction process, and makes the transaction smoother, thereby improving the success rate and efficiency of resource transfers.

[0066] It is worth noting that, in addition to choosing to complete the target transaction through excess transfer, users can also choose to transfer the first resource amount from the resource transferor account to the resource recipient account. For example, when the numerical expression of the first resource amount is relatively simple, users can accurately input the first resource amount. In this case, the terminal can also display the transaction result of the target transaction on the transaction assistance platform. The transaction result is used to indicate that the target transaction has been successful after the transaction assistance platform confirms that the first resource amount has been transferred. In other words, transferring the first resource amount or more resources to the resource recipient account can complete the target transaction, which can improve the success rate and timeliness of resource transfer in the transaction.

[0067] In one possible implementation, after displaying the transaction guidance information provided by the transaction assistance platform, the transaction processing method further includes: displaying the transaction recommendation information provided by the transaction assistance platform.

[0068] The transaction recommendation information is used to prompt the transfer of a second resource amount to the resource receiving account, and to prompt the refund of the difference in resource amount after the target transaction is successful. The transaction recommendation information can be displayed on a page provided by the transaction assistance platform. For example, it can be accessed and used through a browser or mini-program framework built into a communication application to view the transaction recommendation information provided by the transaction assistance platform. The form of the transaction recommendation information can be varied; for example, it can include text, images, videos, or audio. The second resource amount can be one or more. For example, assuming the second resource amount is 461360 or 461400, the transaction recommendation information could be: "For convenience, you can transfer 461360 or 461400; any excess will be automatically refunded."

[0069] Understandably, by displaying trading recommendations provided by the trading assistance platform, which are used to prompt the transfer of a second resource amount to the resource receiving account and to prompt the return of the difference in resource amount after the target transaction is successful, the recommended second resource amount can be directly determined through the displayed trading recommendations. This is equivalent to determining the recommended second resource amount through the trading assistance platform. In subsequent transactions, there is no need to spend extra time determining the second resource amount. By directly selecting the second resource amount recommended by the trading recommendations, the second resource amount can be efficiently and accurately transferred from the resource transfer account to the resource receiving account, which can further improve the success rate and timeliness of resource transfer in transactions.

[0070] Furthermore, the transaction assistance platform can determine a suitable second resource quantity based on preset resource quantity determination rules. While ensuring the second resource quantity is reasonable, it simplifies its numerical expression as much as possible, making it simpler than the first resource quantity. This ensures the second resource quantity is easy to remember, eliminating the need for users to memorize complex first resource quantities, thus avoiding memory bias. This fundamentally simplifies user operations and reduces cognitive load and the possibility of input errors. For example, when the first resource quantity contains decimal places, the second resource quantity can be the rounded-up result of the first resource quantity. Similarly, when the first resource quantity is a long, irregular string of numbers, the second resource quantity can be... Integer multiples of, The value is a positive integer. For example, if the first resource quantity is 461352.49, the second resource quantity can be 461353, 461360, or 461400, etc.

[0071] In one possible implementation, in response to a transaction initiation operation for the target transaction in the first application, transaction guidance information provided by the transaction assistance platform is displayed. Specifically, in response to a transaction initiation operation for the target transaction in the first application, a payment guidance page of the transaction assistance platform is displayed; the payment guidance page displays transaction guidance information and transaction recommendation information provided by the transaction assistance platform.

[0072] The payment guidance page is used to guide the resource transfer process to complete the target transaction. In order to successfully complete the resource transfer process, the payment guidance page needs to display transaction guidance information and transaction recommendation information.

[0073] Understandably, in response to a transaction initiation operation for the target transaction in the first application, the terminal displays the payment guidance page of the transaction assistance platform. This page provides comprehensive payment guidance functionality. The payment guidance page displays transaction guidance information and transaction recommendation information provided by the transaction assistance platform, allowing users to simultaneously view the account information of the resource transferor account in the guidance information and the recommended second resource quantity in the recommendation information. In subsequent transactions, users can efficiently and accurately input the account information of the resource transferor account and the second resource quantity, enabling the efficient and accurate transfer of the second resource quantity from the resource transferor account to the resource receiving account. This further improves the success rate and timeliness of resource transfers in transactions.

[0074] In one possible implementation, after displaying the payment guidance page of the transaction assistance platform, the transaction processing method further includes displaying an identity change control and an identity identifier on the payment guidance page.

[0075] The identity change control is used to change the identity identifier. For example, in response to the trigger operation of the identity change control, the identity change input control is displayed. The user enters a new identity identifier through the identity change input control, and the new identity identifier is recorded in the backend server of the transaction assistance platform. The new identity identifier is then displayed on the payment guidance page, allowing the user to specify any object as the resource transfer object. For example, the user can specify themselves as the resource transfer object, or the user can modify the identity identifier to authorize other objects as resource transfer objects.

[0076] In this context, the identity identifier is a marker that represents the resource transferor. For example, the identity identifier can be the name of the resource transferor. The resource transferor is the object that transfers resources to the resource recipient. For instance, when a user purchases a business product provided by a merchant, the user needs to pay the merchant a fee. In this case, the user can be the resource transferor, and the merchant can be the resource recipient.

[0077] In this context, the account identifier of the resource transfer-out account is matched with the identity identifier. That is, the account identifier of the resource transfer-out account is matched with the identity identifier of the resource transfer-out object. For example, the account identifier of the resource transfer-out account may include the account name, and the account name of the resource transfer-out account may be the name of the object holding the resource transfer-out account. Therefore, when the identity information of the account holder matches the identity information of the resource transfer-out object, it is considered that the account identifier of the resource transfer-out account matches the identity identifier.

[0078] Understandably, displaying the identity change control and the identity identifier of the resource transfer object on the payment guidance page makes it easier for users to view and change the identity identifier of the resource transfer object, allowing users to specify any object as the resource transfer object, which can further improve the success rate and flexibility of resource transfer in transactions.

[0079] In one possible implementation, the resource transfer account is a resource account that has no business relationship with the transaction assistance platform. In response to a transaction initiation operation for the target transaction in the first application, the payment guidance page of the transaction assistance platform is displayed. Specifically, in response to a transaction initiation operation for the target transaction in the first application, a first transaction method selection page is displayed, which displays a first selection control of the transaction assistance platform; in response to a triggering operation of the first selection control, a second transaction method selection page of the transaction assistance platform is displayed, which displays a second selection control; and in response to a triggering operation of the second selection control, the payment guidance page of the transaction assistance platform is displayed.

[0080] The first transaction method selection page is used to select a transaction method. The first transaction method selection page can be the front-end page of the first application. The first transaction method selection page can display at least one optional transaction assistance platform. The first transaction method selection page can also display other optional transaction methods. For example, the first transaction method selection page can also display at least one optional payment application.

[0081] The first selection control is used to select the transaction assistance platform. The form of the first selection control can be various, such as a button control or a drag-and-drop control. The triggering operation of the first selection control can also be various, such as clicking the first selection control or dragging and dropping the first selection control. In addition, the triggering operation of the first selection control can be a single operation or a series of operations, depending on the actual design of the first selection control. This embodiment of the present disclosure does not limit it.

[0082] The second transaction method selection page is used to confirm the transfer of resources for the target transaction. The second transaction method selection page can display options for multiple candidate resource accounts and other resource accounts. Candidate resource accounts refer to resource accounts that have a business relationship with the transaction assistance platform, while other resource accounts refer to resource accounts that do not have a business relationship with the transaction assistance platform. Each candidate resource account can belong to a different resource organization. The options for other resource accounts can be unified into a single control, for example, a unified second selection control.

[0083] The second selection control is used to select resource accounts that do not have a business relationship with the transaction assistance platform. The form of the second selection control can be various, such as a button control or a drag-and-drop control. The triggering operation of the second selection control can also be various, such as clicking the second selection control or dragging and dropping the second selection control. In addition, the triggering operation of the second selection control can be a single operation or a series of operations, depending on the actual design of the second selection control. This embodiment of the present disclosure does not limit it.

[0084] It should be noted that resource accounts without a business relationship with the transaction assistance platform specifically refer to resource organizations to which such accounts belong that have no business relationship with the platform. For example, if the resource organization does not have a cooperative relationship with the platform, the platform will not send the information required for resource transfer in the target transaction to that organization. Conversely, resource accounts with a business relationship with the platform specifically refer to resource organizations to which such accounts belong that have a business relationship with the platform. For example, if the resource organization has a cooperative relationship with the platform, the platform will send the information required for resource transfer in the target transaction to that organization, allowing it to directly transfer resources to the resource account.

[0085] Understandably, the terminal can respond to a transaction initiation operation for the target transaction in the first application, displaying a first transaction method selection page. This page displays a first selection control for a transaction assistance platform, allowing users to choose such a platform to assist in completing the target transaction. Then, in response to triggering the first selection control, the terminal can display a second transaction method selection page for the transaction assistance platform. This page displays a second selection control, allowing users to select a resource account that has no business relationship with the transaction assistance platform. Following this, the terminal responds to triggering the second selection control, displaying transaction guidance information provided by the transaction assistance platform. At this point, it can call any resource application from a resource institution that has no business relationship with the transaction assistance platform. This called resource application becomes the second application, and the resource account held by the resource transfer object in the second application becomes the resource transfer account. This enables the transfer of resources from the resource transfer account. By flexibly selecting the transaction assistance platform and the resource transfer account, the success rate and flexibility of resource transfer during transactions can be further improved.

[0086] For example, you can refer to Figure 3 , Figure 3 This is an optional page diagram of the first transaction method selection page provided in this embodiment of the disclosure. Specifically, the terminal can display the first transaction method selection page 301, which can display first order information 302. The first order information 302 may include a first resource quantity. The first transaction method selection page 301 can also display a first selection control 403. The first selection control 403 in the figure can be used to select "Platform A1". Platform A1 is a transfer product under Enterprise B. The first selection control 403 can be a radio button. The first transaction method selection page 301 can also display a payment confirmation control 404. In response to the triggering operation of the first selection control 403, the second transaction method selection page of the transaction assistance platform can be displayed. Specifically, in response to the triggering operation of the first selection control 403, after the first selection control 403 is selected, the second transaction method selection page is displayed in response to the triggering operation of the payment confirmation control 404.

[0087] In one possible implementation, in response to a triggering operation of the first selection control, a second transaction method selection page of the transaction assistance platform is displayed. Specifically, in response to a triggering operation of the first selection control, an initial transaction method selection page of the transaction assistance platform is displayed. The initial transaction method selection page may display an extended method confirmation control. In response to a triggering operation of the extended method confirmation control, a second transaction method selection page is displayed. The initial transaction method selection page may also display a third selection control, which is used to select a resource account with a business relationship with the transaction assistance platform. When users use the transaction assistance platform to transfer resources, they can have multiple optional resource transfer methods. For example, they can choose to trigger the third selection control on the initial transaction method selection page to transfer resources through a resource account with a business relationship with the transaction assistance platform. Alternatively, they can choose to trigger the extended method confirmation control to display the second transaction method selection page, and then trigger the second selection control on the second transaction method selection page to transfer resources through a resource account without a business relationship with the transaction assistance platform. This can further improve the success rate and flexibility of resource transfer during transactions.

[0088] In one possible implementation, the initial transaction method selection page can be displayed in the browser or mini-program framework built into the communication application in the terminal. When the login account of the communication application uses the transaction assistance platform for the first time, it means that the login account has not yet authorized identity information on the transaction assistance platform. At this time, the initial transaction method selection page can display an enable control for the transaction assistance platform, which is used to enable the payment service of the transaction assistance platform.

[0089] It's important to note that resource transfers can only be completed through the transaction assistance platform after its payment service is enabled. For example, without enabling the payment service, no transaction guidance information will be displayed; it will only appear after enabling the payment service. Therefore, after enabling the payment service, the initial transaction method selection page may not display an enable control, but it will display a confirmation control. This confirmation control is used to confirm payment for the assisted payment order.

[0090] For example, you can refer to Figure 4 , Figure 4This is an optional page diagram of the initial transaction method selection page provided in an embodiment of this disclosure. Specifically, the terminal can display an initial transaction method selection page 401 of the transaction assistance platform. The initial transaction method selection page 401 displays an enable control 402, a third selection control 403, and a fourth selection control 404. The fourth selection control 404 is used to select other payment platforms, such as platform A2. The initial transaction method selection page 401 also displays an extension method determination control 405, which is used to display a second transaction method selection page. The initial transaction method selection page 401 also displays second order information 406, such as the name of the resource recipient and the first resource quantity. The initial transaction method selection page 401 also displays a user name editing control 407, which is used to edit the user name of the resource transfer account. By editing the user name of the resource transfer account through the user name editing control 407, the first record information can include the user name of the resource transfer account.

[0091] Then, you can refer to Figure 5 , Figure 5 This is an optional page illustration of the authorization page provided in this embodiment of the disclosure. Specifically, in response to a triggering operation (e.g., clicking) of the enable control 402, the authorization page 501 is displayed. The authorization page 501 may display authorization prompt information 502, which may include "Provide your identity information to enterprise B to activate and use the services of platform A1". The authorization page 501 may also display a first consent control 503 and a second consent control 504. The first consent control 503 is used to confirm "I have read and agree to the Buyer Service Agreement" and the second consent control 504 is used to confirm "I have read and agree to the Personal Information Authorization". The authorization page 501 may also display an consent authorization control 505 and a temporary disagreement control 506. The consent authorization control 505 is used to agree to authorize identity information on the transaction assistance platform, and the temporary disagreement control 506 is used to refuse to authorize identity information on the transaction assistance platform. In response to the triggering operation of the authorization consent control 505, the authorization success page 507 is displayed. The authorization success page 507 can display authorization success prompt information, which may include "Real-name authentication successful" and the hidden identity information. For example, the original identity information is AAA, and the hidden identity information becomes "**A". The authorization success page 507 can also display a continue payment control 509. In response to the triggering operation of the continue payment control 509, the system can return to the initial transaction method selection page 401, and the enable control 402 in the initial transaction method selection page 401 can be switched to the confirmation selection control 510.

[0092] Then, you can refer to Figure 6 , Figure 6 This is an optional page illustration for selecting other resource accounts provided in an embodiment of this disclosure. Specifically, in response to a triggering operation of the extension method determination control 405, the terminal can display a second transaction method selection page 601 of the transaction assistance platform. The second transaction method selection page 601 can display multiple third selection controls 403, and the second transaction method selection page 601 can also display a second selection control 602. In response to a triggering operation of the second selection control 602, the payment guidance page 606 of the transaction assistance platform is displayed. Specifically, in response to a triggering operation of the second selection control 602, a transaction prompt page 603 is displayed. 603 can display transaction prompt information 604, which may state "Other resource institutions can use transfer payments, supporting transfers from any transaction application to the merchant's designated account." Transaction prompt page 603 can also display an "Agree" selection control 605. In response to triggering the "Agree" selection control 605, a payment guidance page 606 is displayed. Payment guidance page 606 can display an identity change control 607, an identity identifier 608, and transaction guidance information 609. Transaction guidance information 609 may include transfer period, payee name, payee account, payee institution, transfer amount, etc. The transfer period may be "Please apply between 20XX-XX-XX." "Transfer before XX:XX:XX" refers to the name of the designated resource receiving account, such as "Company C". The receiving account refers to the designated resource receiving account, such as "123456". The transfer amount refers to the first resource quantity, such as "461352.49". A copy control 610 for copying information can also be set for the transaction guidance information. The payment guidance page 606 can also display a query control 611 for querying the transaction results after the transfer. The payment guidance page 606 can also display transaction recommendation information, which is used to prompt the transfer of the second resource quantity to the resource receiving account, and to prompt the return of the difference in resource quantity after the target transaction is successful. For example, the transaction recommendation information is "For convenience, you can transfer 461360 or 461400. The excess will be automatically returned".

[0093] Then, you can refer to Figure 7 , Figure 7This is an optional page illustration of a resource transfer page provided in an embodiment of the present disclosure. Specifically, the terminal can display a resource transfer page 701, which can display a first input control 702, a second input control 703, an account selection control 704, a third input control 705, and a transfer confirmation control 706. The first input control 702 is used to input the account information of the resource receiving account. For example, the account information of a second account can be input through the first input control 702. The account information of the second account may include the account name, account number, and the name of the resource organization to which it belongs. The second input control 703 is used to input the amount of resources to be transferred. For example, the amount of resources to be transferred can be input through the second input control 705. 703 Input the second resource amount "461400". Account selection control 704 is used to select the resource account held by the second application login account. This login account is the account held by the resource transfer object. That is, account selection control 704 is used to select the resource account held by the resource transfer object in the second application. The resource account selected by account selection control 704 is the resource transfer account. For example, the selected account is resource account Y10. Resource account Y10 belongs to organization E and the last four digits of the account number are 9008. The available balance of resource account Y10 is 500000.00. The third input control 705 is used to input the resource transfer remarks. The transfer confirmation control 706 is used to confirm the resource transfer.

[0094] Then, you can refer to Figure 8 , Figure 8This is an optional page illustration for querying transaction results provided in this embodiment of the disclosure. Specifically, the terminal can display a payment guidance page 606 of the transaction assistance platform. The payment guidance page 606 may include a query control 611 for querying transaction results after a transfer. In response to the triggering operation of the query control 611, a query waiting page 801 can be displayed. The query waiting page 801 may display a query waiting prompt message 802, which is used to indicate that the target transaction is being processed. For example, the query waiting prompt message 802 may be "Querying transaction results". The query waiting page 801 may also display a refresh control 803 and a transaction notification control 804. The refresh control 803 is used to refresh and query the latest transaction results after being triggered. If the query result is that the transaction has been successful or failed, the latest transaction result can be displayed. The transaction notification control 804 is used to open a transaction notification for the target transaction. This transaction notification may be a notification for the transaction result. After the transaction notification is enabled, the user does not need to wait continuously on the query waiting page 801 to query the transaction result. The transaction result can be pushed to the user's terminal by means of message push or other methods. Assuming the transaction result is successful, a transaction success page 805 can be displayed. This page can also display a transaction success message 806, such as "Transaction successful, payment of 461400 to 'XX Mall' has been made." The page can also display a resource refund result, such as "Your order has been successfully paid, the overpayment of 47.51 has been refunded to your original payment account. Please check your account." Finally, the page can display a completion control 808. Responding to the triggering of the completion control 808, the user can return to the front-end page of the first application, allowing them to initiate a new transaction through the first application.

[0095] In one possible implementation, before displaying the transaction guidance information provided by the transaction assistance platform, the transaction processing method further includes: sending transaction information of the target transaction to the transaction assistance platform; the transaction assistance platform determining the resource receiving account and the first resource quantity based on the transaction information; the transaction assistance platform determining a recommended range of resource quantity based on the first resource quantity and a preset difference limit parameter; and after determining a second resource quantity within the recommended range of resource quantity, the transaction assistance platform returning a jump link for displaying the transaction guidance information and transaction recommendation information.

[0096] Transaction information refers to information representing the target transaction. Taking the target transaction as a business product for purchasing resource recipients as an example, the transaction information can be the order information of the original payment order generated by the backend server of the first application. The transaction information can include the order identifier of the original payment order, the resource payment amount (i.e., the first resource amount of the target transaction), and the order placement time, etc. The transaction assistance platform can pre-store account binding relationships. These account binding relationships can be used to record the association between the entity identifier of the resource recipient and the resource receiving account. The transaction information can also include the entity identifier of the resource recipient, so that the transaction assistance platform can determine the resource receiving account corresponding to the entity identifier through the account binding relationship.

[0097] It should be noted that the process of sending transaction information can be as follows: In response to the transaction initiation operation for the target transaction in the first application, the original payment order for the target transaction can be generated on the backend server of the first application. When the transaction assistance platform assists in the payment of the original payment order, the backend server of the first application can send the order information of the original payment order to the backend server of the transaction assistance platform, that is, send the transaction information of the target transaction to the transaction assistance platform.

[0098] Among them, the upper limit parameter of the difference is used to characterize the allowable increment, which refers to the maximum allowable increase of the second resource quantity relative to the first resource quantity. That is, the difference between the second resource quantity and the first resource quantity does not exceed the allowable increment. The upper limit parameter of the difference can be set automatically, for example, by predicting the upper limit parameter of the difference through a parameter prediction model, or it can be set manually. The recommended range of resource quantity is used to characterize the value range of the second resource quantity. The lower limit of the recommended range of resource quantity can be the first resource quantity, and the upper limit of the recommended range of resource quantity can be determined based on the first resource quantity and the preset upper limit parameter of the difference. By introducing the recommended range of resource quantity, the rationality and reliability of the second resource quantity are ensured, and the difference between the second resource quantity and the first resource quantity can be avoided from being too large.

[0099] It's worth noting that the redirect link is used to open the front-end page of the transaction assistance platform. For example, assuming the transaction assistance platform is accessed and used in a terminal's browser as a webpage, the redirect link can be a Uniform Resource Locator (URL). After receiving the redirect link, the terminal can access it through the browser built into the communication application to open the front-end page of the transaction assistance platform. Alternatively, assuming the transaction assistance platform runs as a mini-program within the mini-program framework provided by the communication application, the redirect link can be a mini-program redirect link. After receiving the redirect link, the terminal can open the corresponding front-end page of the transaction assistance platform through the mini-program framework provided by the communication application, thereby displaying transaction guidance information on the front-end page of the transaction assistance platform. Specifically, this redirect link can be used to open the payment guidance page of the transaction assistance platform, thereby displaying transaction guidance information and transaction recommendation information on the payment guidance page.

[0100] Understandably, after initiating a target transaction, the transaction information is sent to the transaction assistance platform. This allows the platform to determine the receiving account and the initial resource quantity based on the transaction information. Then, based on the initial resource quantity and a preset upper limit parameter for the difference, the platform determines a recommended range for the resource quantity. After determining a second resource quantity within this recommended range, the platform returns a link to display transaction guidance and recommendation information. This allows the terminal to quickly display the transaction guidance and recommendation information via the link, further improving the success rate and timeliness of resource transfer during the transaction. Furthermore, the platform's ability to determine the second resource quantity within the recommended range ensures its rationality and reliability, preventing excessive differences between the second and first resource quantities. In subsequent transactions, there is no need to spend additional time determining the second resource quantity; by directly selecting the second resource quantity recommended in the transaction recommendation information, the resources of the second resource quantity can be efficiently and accurately transferred from the sending account to the receiving account, further improving the success rate and timeliness of resource transfer during the transaction.

[0101] In one possible implementation, the transaction assistance platform determines the recommended range of resource quantity based on the first resource quantity and the preset difference upper limit parameter. Specifically, when the difference upper limit parameter includes the target difference threshold, the transaction assistance platform uses the first resource quantity as the lower limit of the range and the sum of the first resource quantity and the target difference threshold as the upper limit of the range, and determines the recommended range of resource quantity based on the lower limit and the upper limit of the range. Alternatively, when the upper limit parameter of the difference includes a reference ratio, the transaction assistance platform determines the target difference threshold based on the product of the first resource quantity and the reference ratio, uses the first resource quantity as the lower limit of the range, uses the sum of the first resource quantity and the target difference threshold as the upper limit of the range, and determines the recommended range of resource quantity based on the lower limit and the upper limit of the range.

[0102] The target difference threshold is an absolute parameter used to directly characterize the value of the allowed increment. For example, the target difference threshold can be 100. The reference ratio is a relative parameter used to characterize the proportional relationship between the allowed increment and the first resource quantity, thereby determining the value of the allowed increment. For example, the reference ratio can be 10%.

[0103] It should be noted that when determining the second resource quantity within the recommended resource quantity range, it is necessary to ensure that the second resource quantity is greater than or equal to the lower limit of the range and less than or equal to the upper limit of the range; both the first resource quantity and the target difference threshold are positive numbers, which can ensure that the upper limit of the range is greater than the lower limit of the range; the reference ratio is in the range of (0,1), ensuring that the target difference threshold is a positive number.

[0104] It is worth noting that when the upper limit parameter for the difference includes both the target difference threshold and the reference ratio, the recommended range of resource quantity can be determined based on either the target difference threshold or the reference ratio.

[0105] Understandably, determining the recommended resource quantity range using the first resource quantity and the upper limit parameter of the difference can control the difference between the second and first resource quantities within a reasonable range, while ensuring that the second resource quantity is not less than the first resource quantity. Specifically, the recommended resource quantity range can be determined in several ways. Specifically, when the upper limit parameter of the difference includes a target difference threshold, the first resource quantity is used as the lower limit of the range, and the sum of the first resource quantity and the target difference threshold is used as the upper limit of the range. This ensures that the width of the recommended resource quantity range is limited by a fixed target difference threshold, guaranteeing a stable and controllable range boundary. This improves the rationality of the recommended resource quantity range and avoids the second resource quantity deviating from the acceptable incremental increase due to an excessively wide recommended resource quantity range, or the resource quantity lacking sufficient incremental increase due to an excessively narrow recommended resource quantity range. A feasible second resource quantity; or, when the upper limit parameter of the difference includes a reference ratio, first determine the target difference threshold based on the product of the first resource quantity and the reference ratio, then use the first resource quantity as the lower limit of the range, and the sum of the first resource quantity and the target difference threshold as the upper limit of the range. This allows the allowable increment to adaptively scale with changes in the magnitude of the first resource quantity, thereby avoiding an excessively narrow range when the first resource quantity is large, and an excessively wide range when the first resource quantity is small. This improves the adaptability and consistency of the resource quantity recommendation range with business constraints under different scale scenarios, thereby improving the rationality of the resource quantity recommendation range. Therefore, by improving the rationality of the resource quantity recommendation range, the rationality and reliability of the second resource quantity can be effectively improved, thereby further improving the success rate of resource transfer in transactions.

[0106] In one possible implementation, after the transaction assistance platform determines the recommended range of resource quantity based on the first resource quantity and the preset difference upper limit parameter, the transaction processing method further includes: the transaction assistance platform determining a second resource quantity that meets the value constraint conditions within the recommended resource quantity range.

[0107] The value constraint condition is used to ensure that the second resource quantity is an integer multiple of G, where G is a positive integer. This ensures that the second resource quantity does not contain decimal places, giving it a simpler numerical expression. Furthermore, it can further restrict G to be a multiple of G. Integer multiples of The value is a positive integer, which makes the second resource quantity a simpler numerical expression. For example, assuming G is 10, then when the first resource quantity is 461352.49 and the target difference threshold is 100, the second resource quantity can be 461360. Assuming G is 100, then when the first resource quantity is 461352.49 and the target difference threshold is 100, the second resource quantity can be 461400.

[0108] Specifically, the value constraints can be set automatically or manually, and this embodiment of the present disclosure does not limit them.

[0109] Understandably, within the recommended resource quantity range, the transaction assistance platform determines a second resource quantity that meets the value constraint conditions. These constraints ensure the second resource quantity is an integer multiple of G. While ensuring the second resource quantity is reasonable, the platform simplifies its numerical representation as much as possible, making it simpler than the first resource quantity. This ensures the second resource quantity is easy to remember, eliminating the need for users to memorize the complex first resource quantity, thus avoiding memory bias. This fundamentally simplifies user operations, reduces cognitive load and the possibility of input errors, thereby further improving the success rate of resource transfer in transactions.

[0110] In one possible implementation, the resource transferor account, resource receiver account, and first resource quantity are associated and recorded in the first record information by the transaction assistance platform. In response to the resource transfer operation on the resource transfer page, the transaction processing method further includes: the transaction assistance platform receiving resource transfer-in information sent by the third application to which the resource receiver account belongs; the transaction assistance platform filtering out the first record information associated with the resource transferor account based on the resource transfer-in information, matching the resource transfer-in information with the first record information, and when the resource transfer information and the first record information are successfully matched, returning a transaction result indicating that the target transaction has been successful.

[0111] The resource transfer information is sent when the third application detects that the resource receiving account has been transferred to a second resource quantity. The resource transfer information may include the account identifier of the resource receiving account, the account identifier of the resource transferring account, and the second resource quantity transferred. The resource transfer information may also include remarks entered by the resource transferring account when transferring resources. These remarks may record the order identifier of the original payment order. Since the resource receiving account is a custody account managed by the transaction assistance platform, the resource institution to which the resource receiving account belongs can establish an information notification mechanism with the transaction assistance platform. Specifically, when the resource institution to which the resource receiving account belongs detects that resources have been transferred to the resource receiving account, it can push the resource transfer information to the transaction assistance platform through a preset callback interface.

[0112] It should be noted that the back-end server of the transaction assistance platform may include payment service and subscription service. The payment service is used to provide transaction guidance information, transaction recommendation information and record the first record information. The subscription service is used to match the resource transfer information with the first record information and to exchange information with the resource institution to which the custody account belongs.

[0113] The first record information refers to the record of assisting the target transaction in transferring resources. Specifically, after receiving the order information of the original payment order, the backend server of the first application can create an assisted payment order based on the order information. Then, according to a preset routing or allocation strategy, it assigns a corresponding custody account as the resource receiving account to the assisted payment order, and generates a first record information for the assisted payment order. That is, it generates and stores the first record information based on the resource transfer-out account, the resource receiving account, and the first resource quantity. The first record information can include the resource transfer-out account, the resource receiving account, and the first resource quantity. The resource transfer-out account included in the first record information can specifically be the account name of the resource transfer-out account or... The account identifier and the first record information may also include the order identifier of the original payment order, ensuring that the same order identifier will not exist in multiple first record information, thus avoiding duplicate payments for the same original payment order. The first record information may also include the payer's name. For example, assuming that the front-end page of the transaction assistance platform is displayed through the browser or mini-program framework built into the communication application, the payer's name may be the identity information authorized by the login account of the communication application on the transaction assistance platform, such as the name of the resource transfer object. The first record information may also record the transaction time, which may be the time of the trigger operation in response to the second selection control. The first record information may also be called a payment slip, so storing the first record information is equivalent to placing a payment slip.

[0114] It is worth noting that the conditions for successful matching can be varied. For example, the conditions for successful matching may require that the difference between the second resource quantity in the resource transfer information and the first resource quantity recorded in the first record information is within a suitable range. Alternatively, the conditions for successful matching may further require that the order identifier recorded in the first record information matches the order identifier in the remarks of the resource transfer information, the payer's name recorded in the first record information matches the payer's name in the resource transfer information, and the time difference between the transaction time recorded in the first record information and the resource transfer time in the resource transfer information is within a specified time. Other conditions for successful matching can also be set, which are not limited in this embodiment.

[0115] It should be noted that returning a transaction result indicating that the target transaction has been successful specifically means that the transaction assistance platform can send the transaction result indicating that the target transaction has been successful to the first application so that the first application can carry out subsequent delivery or service.

[0116] Understandably, when the resource receiving account's ownership institution detects that resources have been transferred into the resource receiving account, it can push the resource transfer information to the transaction assistance platform. This allows the transaction assistance platform to receive the resource transfer information sent by the third-party application to which the resource receiving account belongs. Given its real-time nature, the platform then confirms the transfer, i.e., verifies the transfer process. Specifically, the transaction assistance platform filters out the first record information associated with the resource transferring account based on the resource transfer information. For example, if the account name recorded in the first record information matches the account name recorded in the resource transfer information, or if the account identifier recorded in the first record information matches the account identifier recorded in the resource transfer information, then the first record information is confirmed. By associating the record information with the resource transfer information, the system can filter out all records that are associated with the resource transfer object and have not yet been successfully processed from multiple records. Then, it matches the resource transfer information with the first set of filtered records. When the resource transfer information matches the first set of records successfully, it returns a transaction result indicating that the target transaction has been successful. Since the second amount of resources that can be actually transferred is greater than the first amount of resources that need to be transferred, the transaction assistance platform can also determine that the resource transfer information matches the first set of records successfully when transferring resources exceeding the required amount, thereby completing the target transaction and further improving the success rate and timeliness of resource transfer in transactions.

[0117] It is worth noting that if no matching record can be found after the matching process, the transaction assistance platform can mark the resource transfer as a failed match, not automatically confirm the payment, and automatically return the corresponding resources to the resource transfer account, thus ensuring the robustness of the system.

[0118] In one possible implementation, when the first record information associated with the resource transfer-out account and at least one candidate record information are filtered out based on the resource transfer-in information, after matching the resource transfer-in information with the first record information, the transaction processing method further includes: when the first difference determined based on the resource transfer-in information and the first record information is less than a preset target difference threshold, and the second difference determined based on the resource transfer information and any candidate record information is greater than or equal to the target difference threshold, it is determined that the resource transfer information and the first record information are successfully matched.

[0119] The first difference is equal to the difference in resource quantity. In other words, the first difference is determined based on the difference between the second resource quantity in the resource transfer information and the first resource quantity in the first record information. The candidate record information refers to the record information that is not associated with the resource receiving account and is not in a successful transaction state, except for the first record information. Similar to the first record information, the candidate record information may contain a corresponding third resource quantity, which is the resource quantity required to pay the order corresponding to the candidate record information. The second difference is determined based on the difference between the second resource quantity in the resource transfer information and the third resource quantity in the candidate record information.

[0120] Understandably, based on the resource transfer information, the first record information associated with the resource transfer-out account and at least one candidate record information can be filtered out. Then, the resource transfer information is matched with the first record information. Specifically, the first record information and multiple candidate record information can be matched with the resource transfer information respectively. When the first difference determined based on the resource transfer information and the first record information is less than the preset target difference threshold, and the second difference determined based on the resource transfer information and any candidate record information is greater than or equal to the target difference threshold, it means that the first difference is within the appropriate range and the second difference is not within the appropriate range. Therefore, it can be determined that only the first record information meets the matching conditions while other candidate record information does not meet the matching conditions, ensuring that only the first record information can be uniquely matched, that is, ensuring that the assisted payment order corresponding to the first record information is the only order that meets the conditions. At this time, it can be determined that the resource transfer information and the first record information are successfully matched, so that the excess transferred resources are accurately associated with the unique order with a smaller required resource amount. Subsequently, it can be determined that the target transaction has been successful, and a transaction result indicating that the target transaction has been successful is returned without additional processing, which can further improve the timeliness of resource transfer in the transaction.

[0121] For example, assuming the first resource quantity corresponding to the first record information is 461352.49, the first resource quantity corresponding to the candidate record information is 3500, the second resource quantity is 461400, and the target difference threshold is 100, then the first difference value can be calculated to be 47.51, and the second difference value is 457900. It can be determined that the first difference value is less than the target difference threshold, while the second difference value is greater than the target difference threshold. Therefore, the assisted payment order corresponding to the first record information is the only order that meets the conditions. At this time, it can be determined that the resource transfer information and the first record information are successfully matched.

[0122] In one possible implementation, after matching the resource transfer information with the first record information, the transaction processing method further includes: when the first difference is less than a target difference threshold and the second difference is less than the target difference threshold, determining the size relationship between the first difference and the second difference; when the size relationship indicates that the first difference is less than the second difference, determining that the resource transfer information and the first record information are successfully matched.

[0123] It should be noted that when the size relationship indicator first difference is less than the second difference, it means that the second resource quantity of the resource transfer information is closer to the first resource quantity of the first record information than the third resource quantity of the candidate record information; while when the size relationship indicator first difference is less than the second difference, it means that the second resource quantity of the resource transfer information is closer to the third resource quantity of the candidate record information than the first resource quantity of the first record information. At this time, it can be determined that the resource transfer information and the candidate record information are successfully matched.

[0124] Understandably, the resource transfer information is matched with the first record information. Specifically, the first record information and multiple candidate record information are matched with the resource transfer information separately. When the first difference is less than the target difference threshold and the second difference is less than the target difference threshold, it means that both the first and second differences are within a suitable range. At this point, the relationship between the first and second differences is determined. When the relationship indicates that the first difference is less than the second difference, it means that compared to the third resource amount of the candidate record information, the second resource amount of the resource transfer information is closer to the first resource amount of the first record information. At this point, it can be determined that the resource transfer information matches the first record information. Successful matching ensures that only the first record information can be uniquely matched, meaning that the assisted payment order corresponding to the first record information is the only order that meets the conditions. This allows excess transferred resources to be accurately associated with the only order that has the smallest required resource amount and is closest to the first resource amount, achieving minimum difference priority matching. This solves the matching ambiguity problem that may occur when there are multiple pending payment orders with similar amounts. By selecting the best option instead of directly rejecting, it can effectively improve the automation rate and intelligence level. Subsequently, it can be determined that the target transaction has been successful and return a transaction result indicating that the target transaction has been successful without additional processing, which can further improve the timeliness of resource transfer in the transaction.

[0125] In one possible implementation, resource transfer information is recorded in the second record information by the transaction assistance platform. When the resource transfer information matches the first record information successfully, a transaction result indicating that the target transaction has been successful is returned. Specifically, when the resource transfer information matches the first record information successfully, the resource transfer information is authenticated; when the authentication of the resource transfer information is successful, the binding relationship between the first record information and the resource transfer information is added to the second record information, the status of the first record information with the binding relationship is updated to the transaction success status, and the resources of the first resource amount in the resource receiving account are identified as resources to be settled; based on the first record information in the transaction success status, a transaction result indicating that the target transaction has been successful is returned.

[0126] The methods for verifying the identity of resource transfer information can be varied. For example, a three-factor authentication can be performed, specifically verifying the consistency and authenticity of three key pieces of information. These three key pieces of information can include the object name, identification number, and account number (such as a bank card number) of the resource transfer recipient mentioned in the resource transfer information. Alternatively, the mobile phone number of the resource transfer recipient mentioned in the resource transfer information can also be verified. It should be noted that successful identity verification indicates that the resource transfer recipient has not been mistakenly identified; conversely, failed identity verification indicates that the resource transfer recipient has been mistakenly identified, and the resource transfer information can be marked as abnormal to facilitate verification by relevant personnel.

[0127] It should be noted that the first record information may include multiple fields. For example, the first record information may include a resource quantity field, an allocation account field, and a status field. The resource quantity field is used to record the first resource quantity, the allocation account field is used to record the account that received the allocated resource, and the status field is used to record the status indicating whether the target transaction was successful. Therefore, before the authentication is passed, the status recorded in the status field indicates that the target transaction was not successful. When the authentication is passed, the status of the first record information is updated to the transaction success status, which is equivalent to updating the status recorded in the status field to the transaction success status.

[0128] It should be noted that the resource receiving object cannot use the resource before it is settled. After the resource is settled, it can be transferred to the settlement account of the resource receiving object, so that the resource receiving object can use the resource.

[0129] Understandably, after receiving resource transfer information, the transaction assistance platform records it in a second record. This resource transfer information can be an incoming transaction record, and the second record refers to the record of that transaction. This process of recording the second record is equivalent to adding the incoming transaction record to the database. When the resource transfer information successfully matches the first record, the platform verifies the identity of the resource transfer information to avoid misidentifying the resource transferor mentioned in the transfer information. When the identity verification of the resource transfer information passes, it means that the resource transferor has not been misidentified. At this point, the binding relationship between the first record and the resource transfer information is added to the second record. This system enables the binding of assisted payment orders with resource transfer information, ensuring that each assisted payment order is bound to a unique first record and is reentrant, thus completing the resource transfer loop. Upon successful payment confirmation, the status of the first record is updated to a successful transaction status. This update identifies the first resource amount in the receiving account as the resource to be settled, allowing it to be subsequently transferred to the receiving account's settlement account. Based on the first record in the successful transaction status, a transaction result indicating the target transaction has been successfully returned without requiring additional operations, further improving the reliability and timeliness of resource transfer in transactions.

[0130] It is worth noting that once resource transfer information is bound, it cannot be bound to other assisted payment orders. This is to prevent the same resource transfer information from being repeatedly bound and recognized by different assisted payment orders. That is, there is a one-to-one relationship between assisted payment orders and resource transfer information. A resource transfer information will only be bound to one matching assisted payment order to recognize the payment for that assisted payment order. Conversely, a resource transfer information can only be bound to one corresponding assisted payment order to recognize the payment for that assisted payment order.

[0131] In one possible implementation, after the resource transfer information successfully matches the first record information and a transaction result indicating that the target transaction has been successful is returned, the transaction processing method further includes: the transaction assistance platform generating third record information based on the difference in resource amount, the resource transfer-out account, and the resource receiving account; the transaction assistance platform generating a resource return request based on the third record information and sending the resource return request to the third application, so that the third application can respond to the resource return request and transfer the difference in resource amount from the resource receiving account to the resource transfer-out account.

[0132] The third record information refers to the record of the target transaction that needs to be returned. A corresponding third record information can be generated whenever the target transaction is over-transferred. The third record information can also be called a refund order. The transaction assistance platform also needs to store the third record information. Storing the third record information is equivalent to placing a refund order.

[0133] It should be noted that there are various ways to send resource return requests to third-party applications. For example, the third-party application can provide a resource return interface, which the transaction assistance platform can call to send resource return requests to the third-party application. Alternatively, the transaction assistance platform can send the currently generated resource return request to the third-party application whenever it is generated. Or, the transaction assistance platform can send multiple resource return requests to the third-party application in batches only after accumulating a certain number of resource return requests.

[0134] It is worth noting that the back-end server of the transaction assistance platform may include a refund service. After the subscription service determines the difference in resource quantity based on the difference between the second resource quantity and the first resource quantity, the subscription service sends the difference in resource quantity as a notification to the refund service, so that the refund service can generate third record information based on the difference in resource quantity, the resource transfer account, and the resource receiving account.

[0135] Understandably, since the third-party record information is generated based on the difference in resource quantity, the resource transfer-out account, and the resource receiving account, it can ensure that the resource return request carries the relevant information of the difference in resource quantity, the resource transfer-out account, and the resource receiving account. This allows the third-party application to accurately transfer the difference in resource quantity from the resource receiving account to the resource transfer-out account when responding to the resource return request, avoiding transaction anomalies and further improving the success rate and timeliness of resource transfer in transactions.

[0136] In one possible implementation, the resource transfer page displays an information input control, an account selection control, and a confirm transfer control. In response to a resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform. Specifically, in response to inputting the resource receiving account and the second resource amount in the information input control, the resource receiving account and the second resource amount are displayed on the resource transfer page; in response to selecting the resource transferring account in the account selection control, the resource transferring account is displayed on the resource transfer page; and in response to triggering the confirm transfer control, the system redirects to the transaction assistance platform, where the transaction result of the target transaction is displayed.

[0137] Among them, the information input control refers to the control for inputting information related to resource transfer. The information input control can be a single control or multiple controls. For example, the information input control can include a first input control and a second input control. The first input control is used to input the account information of the resource receiving account. The account information of the resource receiving account can include the account name, account number and the organization to which the resource receiving account belongs. The second input control is used to input the amount of resources to be transferred. For example, the second amount of resources can be input through the second input control.

[0138] The account selection control is used to select the resource account held by the resource transfer object in the second application. The resource account selected by the account selection control is used as the resource transfer account. The account selection control will only display the resource account held by the resource transfer object in the second application, and will not display the resource account not held by the resource transfer object in the second application, so as to ensure the reliability of the transaction process.

[0139] Understandably, by responding to the input of the resource receiving account and the second resource quantity in the information input control on the terminal, the resource receiving account and the second resource quantity are displayed on the resource transfer page, allowing for quick input of these information. Then, by responding to the selection of the resource transfer account in the account selection control on the terminal, the resource transfer account is displayed on the resource transfer page, allowing for quick resource transfer. Then, by responding to the triggering operation of the confirm transfer control on the terminal, the transaction assistance platform is displayed, quickly triggering the transfer of the second resource quantity from the resource transfer account to the resource receiving account. The transaction assistance platform can then be manually invoked or automatically displayed, and the transaction result of the target transaction is displayed on the transaction assistance platform. The overall processing flow is simple and efficient, further improving the timeliness of resource transfer in transactions.

[0140] The complete process of transaction processing is described in detail below.

[0141] Reference Figure 9 , Figure 9 This is a schematic diagram of an optional architecture for the transaction processing method provided in this embodiment of the disclosure, which may include, but is not limited to, the following steps: Step 901: The user selects goods and places an order on the procurement platform, then selects a payment platform to pay. Specifically, the system allows users (such as buyers) to select goods (such as business products) on the procurement platform (i.e., the first application) using their terminals, and then select a payment platform to pay for the order. The selected payment platform can be one of the transaction assistance platforms disclosed herein. For example, in response to a transaction initiation operation for a target transaction in the first application, the terminal displays a first transaction method selection page. This page displays a first selection control for a transaction assistance platform, which can be triggered to select the platform.

[0142] Step 902.1: The procurement platform transmits the order amount to the transaction assistance platform to place the order. Specifically, the backend server of the first application can send the order information of the original payment order to the backend server of the transaction assistance platform, that is, send the transaction information of the target transaction to the transaction assistance platform. The transaction information may include the order identifier of the original payment order, the resource payment amount (i.e., the first resource amount of the target transaction), and the order placement time, etc. The order information of the original payment order will be sent to the payment service in the backend server of the transaction assistance platform.

[0143] Step 902.2, Payment Order Placement; Specifically, the payment service of the transaction assistance platform determines the resource receiving account and the first resource quantity based on the transaction information, generates the first record information based on the resource receiving account and the first resource quantity, and stores the first record information. Storing the first record information is equivalent to placing a payment order.

[0144] Step 903: Redirect to the checkout to display transaction guidance information and transaction recommendation information. Specifically, in response to the triggering operation of the first selection control, the terminal can display the second transaction method selection page of the transaction assistance platform. This second transaction method selection page belongs to the checkout function page of the transaction assistance platform. The second transaction method selection page displays a second selection control. Then, in response to the triggering operation of the second selection control, the terminal can display the payment guidance page provided by the transaction assistance platform. The payment guidance page displays transaction guidance information and transaction recommendation information provided by the transaction assistance platform. The transaction guidance information is used to prompt the transfer of the first resource amount to the resource receiving account of the target transaction through the second application. The transaction recommendation information is used to prompt the transfer of the second resource amount to the resource receiving account and to prompt the refund of the difference in resource amount after the target transaction is successful. For example, the terminal can display the payment guidance page of the transaction assistance platform through the browser or mini-program framework built into the communication application.

[0145] Step 904: The user opens the resource application used for resource transfer, and is redirected to the resource transfer function to transfer the resources, transferring the second resource amount. Specifically, the resource application used for resource transfer can be a second application. The terminal calls the second application to display the resource transfer page. In response to the resource transfer operation on the resource transfer page, the terminal sends a resource transfer instruction to the backend server of the second application, so that the backend server of the second application can transfer the second resource amount from the resource transferor account to the resource recipient account. The second resource amount is greater than the first resource amount. For example, the second application can be a bank application. The user can open the bank application of the payment bank and then be redirected to the resource transfer function to transfer the resources.

[0146] Step 905.1: The paying bank can transfer resources to the resource receiving account. The resource receiving account belongs to a resource institution that cooperates with the transaction assistance platform. Assuming that the resource institution is a bank, it is equivalent to transferring the target resources to the cooperating receiving bank.

[0147] Step 905.2: After receiving the funds, the receiving bank notifies the transaction assistance platform. Specifically, the receiving bank's banking application can be one of the aforementioned third-party applications. Therefore, after the receiving bank receives the funds, the transaction assistance platform's payment confirmation service can receive the resource transfer information sent by the third-party application to which the resource receiving account belongs.

[0148] Step 905.3, the incoming transaction record is entered into the database; specifically, the transaction assistance platform's payment confirmation service can record the resource transfer information as a second record, which is equivalent to the incoming transaction record.

[0149] Step 906: Verify payment based on the receiving account, first resource quantity, payer's name, and transaction time of the payment order. Specifically, the payment service can initiate verification of the payment order with the verification service, i.e., confirm with the verification service whether the payment order has been completed. For example, the payment service can periodically initiate verification of the payment order with the verification service. The payment service can send the receiving account, first resource quantity, payer's name, and transaction time to the verification service. The receiving account refers to the account information of the resource receiving account, and the payer's name refers to the account name of the resource transferring account.

[0150] Step 907: Filter payment orders associated with the resource receiving account and perform matching processing; specifically, the payment service can filter the first record information associated with the resource transferring account based on the resource transfer information, that is, filter payment orders, and then match the resource transfer information with the first record information.

[0151] Step 908: Bind the payment order based on the consistency of the three elements to determine the remaining amount. Specifically, when the first difference determined based on the resource transfer information and the first record information is less than the preset target difference threshold, and the second difference determined based on the resource transfer information and any candidate record information is greater than or equal to the target difference threshold, the resource transfer information and the first record information are determined to be successfully matched. Alternatively, when the first difference is less than the target difference threshold and the second difference is less than the target difference threshold, the size relationship between the first difference and the second difference is determined. When the size relationship indicates that the first difference is less than the second difference, the resource transfer information and the first record information are determined to be successfully matched. Then, when the resource transfer information and the first record information are successfully matched, the payment service also needs to perform three-element authentication on the resource transfer information, that is, to perform identity verification. When the three elements are consistent, that is, when the identity verification of the resource transfer information is passed, the payment service can add the binding relationship between the first record information and the resource transfer information to the second record information.

[0152] Step 909: Return the confirmation result; specifically, the confirmation service can return the successfully matched result as the confirmation result to the payment service.

[0153] Step 910: Update the payment order status to successful; specifically, the payment service of the transaction assistance platform can update the status of the first record information with a binding relationship to the transaction success status, and determine the first resource quantity in the resource receiving account as the resource to be settled.

[0154] Step 911: Return payment result; specifically, the payment service can return a transaction result to the procurement platform to indicate that the target transaction has been successful. That is, the transaction assistance platform can return a transaction result to the first application to indicate that the target transaction has been successful based on the first record information that is in the successful transaction status.

[0155] Step 912: After confirming the remaining amount, notify the refund; specifically, the payment confirmation service can send the difference in resource quantity as a notification to the refund service.

[0156] Step 913: Issue a refund order; specifically, the refund service can generate and store third-party record information based on the difference in resource amount, the resource transfer account, and the resource receiving account. Storing the third-party record information is equivalent to issuing a refund order.

[0157] Step 914: Refund the remaining amount to the original payment method; specifically, the refund service can generate a resource return request based on the third-party record information and send the resource return request to the cooperating receiving bank, that is, send the resource return request to the third-party application.

[0158] Step 915: Return the payment card to the original payment method; specifically, the third application can respond to the resource return request by transferring the difference in resource amount from the resource receiving account to the resource transferring account, that is, returning the payment card to the original payment method.

[0159] Based on this, in response to a transaction initiation operation for the target transaction in the first application, transaction guidance information provided by the transaction assistance platform is displayed. This guidance information prompts the transfer of a first resource amount to the resource receiving account of the target transaction through the second application. Following the prompts in the guidance information, the second application is invoked to display a resource transfer page. Then, in response to the resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform. When the transaction result indicates that the target transaction has been successful, the resource return result is displayed on the transaction assistance platform. Since the resource transfer operation is used to transfer a second resource amount from the resource transfer... When resources are transferred from the sending account to the receiving account, and the actual amount of the second resource transferred is greater than the amount of the first resource that needs to be transferred, the target transaction can still be completed even if resources exceed the required amount. Furthermore, since the resource return result is used to instruct the transfer of the difference in resource amount from the receiving account to the sending account, and the difference in resource amount is determined based on the difference between the second and first resource amounts, the excess difference in resource amount can be automatically returned. This achieves the automatic return of the excess portion when the target transaction is completed through excess transfer, ensuring the security and reliability of the target transaction, and improving the success rate and timeliness of resource transfer in the transaction.

[0160] The following example, using a user purchasing a service product through a terminal in the first application, will be used to explain in detail the transaction processing method disclosed herein.

[0161] First, the user places an order on the terminal through the merchant application (i.e., the first application mentioned above). The merchant application's backend server generates an order with order number ORD20231027001 and order amount of 461352.49 (i.e., the first resource quantity mentioned above). When the user selects the transaction assistance platform to assist in the transfer of resources for the transaction, the transaction assistance platform displays transaction guidance information and transaction recommendation information to the user. For example, the transaction guidance information includes "You can transfer 461352.49", and the transaction recommendation information can be "For convenience, you can transfer 461360 or 461400, and any excess will be automatically refunded".

[0162] Then, the user opens the bank application (i.e., the second application mentioned above) and initiates a transfer through the bank application to transfer 461,400 (i.e., the second resource amount mentioned above) from the user's resource transfer-out account to the merchant's resource receiving account.

[0163] Then, the back-end server of the receiving bank of the resource receiving account processes the transfer. After successful processing, it sends a receipt notification (i.e., the resource transfer information mentioned above) to the payment service of the transaction assistance platform. The notification may include the payer's account (i.e., the account identifier of the resource transfer-out account mentioned above), the payer's name (i.e., the account name of the resource transfer-out account mentioned above), the transfer amount (i.e., the second resource quantity mentioned above), the transaction serial number, etc.

[0164] Then, upon receiving the notification, the payment service initiates the order matching process.

[0165] Then, the payment confirmation service retrieves all orders under the payer's name that are in the "pending payment" status under the receiving merchant, based on the payer's information (e.g., payer's account number or payer's name). Assume two pending payment orders are found: Order 1: ORD20231027001, amount 461352.49; Order 2: ORD20231026005, amount 3500.00.

[0166] Then, the payment confirmation service sets the target difference threshold to 100 according to the preset matching rules. For order 1: 461400-461352.49=47.51, since 0≤47.51<100, order 1 meets the matching conditions. For order 2: 461400-3500.00=457900.00, since 457900.00>100, order 2 does not meet the matching conditions.

[0167] At this point, only order 1 is the only order that meets the criteria, so the match is successful.

[0168] Then, the payment service of the transaction assistance platform executes the confirmation, updates the status of order ORD20231027001 to "paid", and transfers 461352.49 from the incoming funds of 461400 to the merchant's settlement account or marks it as settleable.

[0169] Then, the cashier calculates the change: 461400 - 461352.49 = 47.51.

[0170] Then, the payment service calls the refund interface of the receiving bank's backend server to send a resource return request to the receiving bank, so that the receiving bank can return 47.51 from the resource receiving account to the payer's account.

[0171] Then, the payment service sends a notification to the merchant application that the order has been paid and pushes a message to the user's terminal: "Your order has been successfully paid. The overpayment of 47.51 has been refunded to your payment account. Please check your account." It is understood that although the steps in the above flowcharts are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated in this embodiment, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the above flowcharts may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages in other steps.

[0172] Reference Figure 10 , Figure 10 This is a schematic diagram of an optional structure of a transaction processing apparatus 1000 provided in an embodiment of the present disclosure. The transaction processing apparatus 1000 includes: The first processing module 1001 is used to respond to the transaction initiation operation for the target transaction in the first application and display transaction guidance information provided by the transaction assistance platform. The transaction guidance information is used to prompt the transfer of the first resource amount of resources to the resource receiving account of the target transaction through the second application. The second processing module 1002 is used to call the second application to jump to and display the resource transfer page; The third processing module 1003 is used to respond to the resource transfer operation on the resource transfer page and display the transaction result of the target transaction on the transaction assistance platform. The resource transfer operation is used to transfer the resources of the second resource quantity from the resource transfer-out account to the resource receiving account. The second resource quantity is greater than the first resource quantity. The fourth processing module 1004 is used to display the resource return result on the transaction assistance platform when the transaction result indicates that the target transaction has been successful. The resource return result is used to indicate that the difference in resource amount is transferred from the resource receiving account to the resource transferring account. The difference in resource amount is determined based on the difference between the second resource amount and the first resource amount.

[0173] Furthermore, the aforementioned transaction processing device also includes a recommendation module (not shown in the figure), which is specifically used for: The system displays transaction recommendation information provided by the transaction assistance platform. This information is used to prompt the transfer of a second amount of resources to the resource receiving account and to prompt the return of the difference in resource amount after the target transaction is successful.

[0174] Furthermore, the aforementioned first processing module 1001 is specifically used for: In response to a transaction initiation operation for the target transaction in the first application, the payment guidance page of the transaction assistance platform is displayed; The payment guidance page displays transaction guidance information and transaction recommendations provided by the transaction assistance platform.

[0175] Furthermore, the resource transfer account is a resource account that has no business relationship with the transaction assistance platform. The aforementioned first processing module 1001 is specifically used for: In response to the transaction initiation operation for the target transaction in the first application, the first transaction method selection page is displayed, and the first transaction method selection page displays the first selection control of the transaction assistance platform; In response to the triggering operation of the first selection control, the second transaction method selection page of the transaction assistance platform is displayed. The second transaction method selection page displays a second selection control, which is used to select a resource account that does not have a business relationship with the transaction assistance platform. In response to the triggering of the second selection control, the payment guidance page of the transaction assistance platform is displayed.

[0176] Furthermore, the aforementioned transaction processing device also includes a fifth processing module (not shown in the figure), which is specifically used for: Send the transaction information of the target transaction to the transaction assistance platform; The transaction assistance platform determines the resource receiving account and the initial resource quantity based on the transaction information; The transaction assistance platform determines the recommended range of resource quantity based on the initial resource quantity and the preset difference limit parameter; After determining the second resource quantity within the recommended resource quantity range, the transaction assistance platform returns a redirect link to display transaction guidance information and transaction recommendation information.

[0177] Furthermore, the aforementioned fifth processing module is specifically used for: When the upper limit parameter of the difference includes the target difference threshold, the transaction assistance platform uses the first resource quantity as the lower limit of the range and the sum of the first resource quantity and the target difference threshold as the upper limit of the range, and determines the recommended range of resource quantity based on the lower limit and the upper limit of the range. Alternatively, when the upper limit parameter of the difference includes a reference ratio, the transaction assistance platform determines the target difference threshold based on the product of the first resource quantity and the reference ratio, uses the first resource quantity as the lower limit of the range, uses the sum of the first resource quantity and the target difference threshold as the upper limit of the range, and determines the recommended range of resource quantity based on the lower limit and the upper limit of the range.

[0178] Furthermore, the aforementioned fifth processing module is also used for: Within the recommended resource quantity range, the transaction assistance platform determines a second resource quantity that meets the value constraint condition. The value constraint condition is used to ensure that the second resource quantity is an integer multiple of G, where G is a positive integer.

[0179] Furthermore, the resource transfer account, resource receiving account, and the first resource quantity are associated and recorded in the first record information by the transaction assistance platform. The aforementioned transaction processing device also includes a sixth processing module (not shown in the figure), which is specifically used for: The transaction assistance platform receives resource transfer information sent by the third application to which the resource receiving account belongs. The resource transfer information is sent when the third application detects that the resource receiving account has been transferred to the second resource amount. The transaction assistance platform filters out the first record information associated with the resource transfer-out account based on the resource transfer-in information, matches the resource transfer-in information with the first record information, and returns a transaction result indicating that the target transaction has been successful when the resource transfer-in information and the first record information are successfully matched.

[0180] Furthermore, when filtering out the first record information associated with the resource transfer-out account and at least one candidate record information based on the resource transfer-in information, the aforementioned sixth processing module is also used to: When the first difference determined based on the resource transfer information and the first record information is less than the preset target difference threshold, and the second difference determined based on the resource transfer information and any candidate record information is greater than or equal to the target difference threshold, it is determined that the resource transfer information and the first record information are successfully matched, and the first difference is equal to the difference in resource amount.

[0181] Furthermore, the aforementioned sixth processing module is also used for: When the first difference is less than the target difference threshold and the second difference is less than the target difference threshold, the relationship between the first difference and the second difference is determined. When the size relationship indicates that the first difference is less than the second difference, it is determined that the resource transfer information and the first record information are successfully matched.

[0182] Furthermore, the resource transfer information is recorded in the second record information by the transaction assistance platform, and the aforementioned sixth processing module is specifically used for: When the resource transfer information successfully matches the first record information, the resource transfer information is authenticated. When the identity verification of the resource transfer information is successful, the binding relationship between the first record information and the resource transfer information is added to the second record information, the status of the first record information with the binding relationship is updated to the transaction success status, and the resources of the first resource amount in the resource receiving account are identified as resources to be settled. Based on the first record information indicating that the transaction has been successful, return the transaction result indicating that the target transaction has been successful.

[0183] Furthermore, the aforementioned transaction processing device also includes a seventh processing module (not shown in the figure), which is specifically used for: The transaction assistance platform generates third-party record information based on the difference in resource quantity, the resource transfer account, and the resource receiving account; The transaction assistance platform generates a resource return request based on the third-party record information and sends the resource return request to the third-party application, so that the third-party application can respond to the resource return request and transfer the difference in resource amount from the resource receiving account to the resource transferring account.

[0184] Furthermore, the resource transfer page displays information input controls, account selection controls, and a confirm transfer control. The aforementioned third processing module 1003 is specifically used for: In response to inputting the resource receiving account and the second resource quantity in the information input control, the resource receiving account and the second resource quantity are displayed on the resource transfer page; In response to the selection of the resource transfer account in the account selection control, the resource transfer account is displayed on the resource transfer page; In response to the triggering of the transfer control, the system redirects to the transaction assistance platform, where the transaction result of the target transaction is displayed.

[0185] The aforementioned transaction processing device 1000 and transaction processing method are based on the same inventive concept. In response to a transaction initiation operation for a target transaction in a first application, it displays transaction guidance information provided by a transaction assistance platform. This guidance information prompts the transfer of a first amount of resources to the resource receiving account of the target transaction via a second application. Following the prompts of the guidance information, the second application is invoked to display a resource transfer page. Then, in response to a resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform. When the transaction result indicates that the target transaction has been successful, a resource return result is displayed on the transaction assistance platform. Since the resource transfer operation is used to transfer... The second resource quantity is transferred from the resource transferor account to the resource recipient account, and the actual transferred second resource quantity is greater than the first resource quantity that needs to be transferred. Therefore, transferring resources exceeding the required resource quantity can also complete the target transaction. Furthermore, since the resource return result is used to instruct the transfer of the difference in resource quantity from the resource recipient account to the resource transferor account, and the difference in resource quantity is determined based on the difference between the second and first resource quantities, the excess difference in resource quantity can be automatically returned. This achieves automatic return of the excess portion when the target transaction is completed through excess transfer, ensuring the security and reliability of the target transaction, and improving the success rate and timeliness of resource transfer in the transaction.

[0186] The electronic device provided in this disclosure for executing the above-described transaction processing method can be a terminal, as shown in the embodiments below. Figure 11 , Figure 11This is a partial structural block diagram of a terminal provided in an embodiment of the present disclosure. The terminal includes: a camera assembly 1110, a first memory 1120, an input unit 1130, a display unit 1140, a sensor 1150, an audio circuit 1160, a wireless fidelity (WiFi) module 1170, a first processor 1180, and a first power supply 1190, among other components. Those skilled in the art will understand that... Figure 11 The terminal structure shown does not constitute a limitation on the terminal and may include more or fewer components than shown, or combine certain components, or have different component arrangements.

[0187] The camera assembly 1110 can be used to capture images or videos. Optionally, the camera assembly 1110 includes a front-facing camera and a rear-facing camera. Typically, the front-facing camera is located on the front panel of the terminal, and the rear-facing camera is located on the back of the terminal. In some embodiments, there are at least two rear-facing cameras, which are any one of a main camera, a depth-sensing camera, a wide-angle camera, and a telephoto camera, to achieve background blurring by fusion of the main camera and the depth-sensing camera, panoramic shooting by fusion of the main camera and the wide-angle camera, VR (Virtual Reality) shooting, or other fusion shooting functions.

[0188] The first memory 1120 can be used to store software programs and modules. The first processor 1180 executes various functional applications and data processing of the terminal by running the software programs and modules stored in the first memory 1120.

[0189] The input unit 1130 can be used to receive input numeric or character information, and to generate key signal inputs related to the terminal's settings and function control. Specifically, the input unit 1130 may include a touch panel 1131 and other input devices 1132.

[0190] Display unit 1140 can be used to display input or provided information, as well as various menus of the terminal. Display unit 1140 may include display panel 1141.

[0191] Audio circuitry 1160, speaker 1161, and microphone 1162 provide an audio interface.

[0192] The first power source 1190 can be AC ​​power, DC power, a disposable battery, or a rechargeable battery.

[0193] The number of sensors 1150 can be one or more, and these sensors 1150 include, but are not limited to: accelerometers, gyroscopes, pressure sensors, optical sensors, etc. An accelerometer can detect the magnitude of acceleration along the three coordinate axes of a coordinate system established by the terminal. For example, an accelerometer can be used to detect the components of gravitational acceleration along the three coordinate axes. The first processor 1180 can control the display unit 1140 to display the user interface in either a horizontal or vertical view based on the gravitational acceleration signal acquired by the accelerometer. The accelerometer can also be used for games or for acquiring user motion data.

[0194] The gyroscope sensor can detect the terminal's orientation and rotation angle. It can work in conjunction with an accelerometer to collect 3D user movements on the terminal. Based on the data collected by the gyroscope sensor, the first processor 1180 can perform the following functions: motion sensing (e.g., changing the UI based on the user's tilt), image stabilization during shooting, game control, and inertial navigation.

[0195] The pressure sensor can be installed on the side bezel of the terminal and / or on the lower layer of the display unit 1140. When the pressure sensor is installed on the side bezel of the terminal, it can detect the user's grip signal on the terminal, and the first processor 1180 can perform left / right hand recognition or quick operation based on the grip signal collected by the pressure sensor. When the pressure sensor is installed on the lower layer of the display unit 1140, the first processor 1180 can control the operable controls on the UI interface based on the user's pressure operation on the display unit 1140. The operable controls include at least one of button controls, scroll bar controls, icon controls, and menu controls.

[0196] An optical sensor is used to collect ambient light intensity. In one embodiment, the first processor 1180 can control the display brightness of the display unit 1140 based on the ambient light intensity collected by the optical sensor. Specifically, when the ambient light intensity is high, the display brightness of the display unit 1140 is increased; when the ambient light intensity is low, the display brightness of the display unit 1140 is decreased. In another embodiment, the first processor 1180 can also dynamically adjust the shooting parameters of the camera assembly 1110 based on the ambient light intensity collected by the optical sensor.

[0197] In this embodiment, the first processor 1180 included in the terminal can execute the transaction processing method of the previous embodiment.

[0198] The electronic device provided in this disclosure for executing the above-described transaction processing method can also be a server, see below. Figure 12 , Figure 12This is a partial structural block diagram of a server provided in an embodiment of the present disclosure. The server can vary significantly due to differences in configuration or performance. It may include one or more second processors 1210 and second memories 1230, and one or more storage media 1240 (e.g., one or more mass storage devices) for storing application programs 1243 or data 1242. The second memories 1230 and storage media 1240 may be temporary or persistent storage. The program stored in the storage media 1240 may include one or more modules (not shown in the diagram), each module including a series of instruction operations on the server. Furthermore, the second processor 1210 may be configured to communicate with the storage media 1240 and execute the series of instruction operations stored in the storage media 1240 on the server.

[0199] The server may also include one or more secondary power supplies 1220, one or more wired or wireless network interfaces 1250, one or more input / output interfaces 1260, and / or one or more operating systems 1241, such as Windows Server™, Mac OS X™, Unix™, Linux™, FreeBSD™, etc.

[0200] The second processor 1210 in the server can be used to execute transaction processing methods.

[0201] This disclosure also provides a computer-readable storage medium for storing a computer program for executing the transaction processing methods of the foregoing embodiments.

[0202] This disclosure also provides a computer program product comprising a computer program stored in a computer-readable storage medium. A processor of a computer device reads the computer program from the computer-readable storage medium and executes the computer program, causing the computer device to perform the transaction processing method described above.

[0203] The terms “first,” “second,” “third,” “fourth,” etc. (if present) in this disclosure and the foregoing drawings are used to distinguish similar objects and are not necessarily used to describe a particular order or sequence. It should be understood that such data can be interchanged where appropriate to describe embodiments of this disclosure, for example, those that can be implemented in orders other than those illustrated or described herein. Furthermore, the terms “comprising” and “having,” and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatuses.

[0204] It should be understood that in this disclosure, "at least one item" means one or more, and "more than one" means two or more. "And / or" is used to describe the relationship between related objects, indicating that three relationships can exist. For example, "A and / or B" can represent three cases: only A exists, only B exists, and both A and B exist simultaneously, where A and B can be singular or plural. The character " / " generally indicates that the preceding and following related objects are in an "or" relationship. "At least one of the following" or similar expressions refer to any combination of these items, including any combination of single or plural items. For example, at least one of a, b, or c can represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, and c can be single or multiple.

[0205] It should be understood that in the description of the embodiments disclosed herein, "multiple" means two or more, "greater than", "less than", "exceeding" etc. are understood to exclude the number itself, and "above", "below", "within" etc. are understood to include the number itself.

[0206] In the several embodiments provided in this disclosure, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of units is only a logical functional division, and 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 through some interfaces, indirect coupling or communication connection between apparatuses or units, and may be electrical, mechanical, or other forms.

[0207] 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, depending on actual needs.

[0208] Furthermore, the functional units in the various embodiments of this disclosure 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. The integrated unit can be implemented in hardware or as a software functional unit.

[0209] If the integrated unit 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 disclosure, in essence, or the part that contributes to the prior art, or all or 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 disclosure. 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.

[0210] It should also be understood that the various implementation methods provided in this disclosure can be combined arbitrarily to achieve different technical effects.

[0211] The above is a detailed description of the preferred embodiments of this disclosure. However, this disclosure is not limited to the above embodiments. Those skilled in the art can make various equivalent modifications or substitutions without departing from the spirit of this disclosure. All such equivalent modifications or substitutions are included within the scope defined by the claims of this disclosure.

Claims

1. A transaction processing method, characterized in that, include: In response to a transaction initiation operation for a target transaction in the first application, transaction guidance information provided by the transaction assistance platform is displayed, which prompts the transfer of a first amount of resources to the resource receiving account of the target transaction through the second application; The second application is invoked to redirect to the resource transfer page; In response to the resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform. The resource transfer operation is used to transfer a second amount of resources from the resource transfer-out account to the resource receiving account, where the second amount of resources is greater than the first amount of resources. When the transaction result indicates that the target transaction has been successful, the resource return result is displayed on the transaction assistance platform. The resource return result is used to indicate that the difference in resource amount is transferred from the resource receiving account to the resource transferring account. The difference in resource amount is determined based on the difference between the second resource amount and the first resource amount.

2. The transaction processing method according to claim 1, characterized in that, After displaying the transaction guidance information provided by the transaction assistance platform, the transaction processing method further includes: The system displays transaction recommendation information provided by the transaction assistance platform. This recommendation information is used to prompt the transfer of the second resource amount to the resource receiving account and to prompt the return of the difference in resource amount after the target transaction is successful.

3. The transaction processing method according to claim 2, characterized in that, The response to the transaction initiation operation for the target transaction in the first application displays transaction guidance information provided by the transaction assistance platform, including: In response to a transaction initiation operation for the target transaction in the first application, the payment guidance page of the transaction assistance platform is displayed; The payment guidance page displays transaction guidance information and transaction recommendation information provided by the transaction assistance platform.

4. The transaction processing method according to claim 3, characterized in that, The resource transfer account is a resource account that has no business relationship with the transaction assistance platform. The response to the transaction initiation operation for the target transaction in the first application, displaying the payment guidance page of the transaction assistance platform, includes: In response to a transaction initiation operation for the target transaction in the first application, a first transaction method selection page is displayed, which displays a first selection control with a transaction assistance platform. In response to the triggering operation of the first selection control, the second transaction method selection page of the transaction assistance platform is displayed. The second transaction method selection page displays a second selection control, which is used to select a resource account that does not have a business relationship with the transaction assistance platform. In response to the triggering operation of the second selection control, the payment guidance page of the transaction assistance platform is displayed.

5. The transaction processing method according to claim 2, characterized in that, Before displaying the transaction guidance information provided by the transaction assistance platform, the transaction processing method further includes: Send the transaction information of the target transaction to the transaction assistance platform; The transaction assistance platform determines the resource receiving account and the first resource quantity based on the transaction information; The transaction assistance platform determines the recommended range of resource quantity based on the first resource quantity and the preset difference limit parameter; After determining the second resource quantity within the recommended resource quantity range, the transaction assistance platform returns a jump link for displaying the transaction guidance information and the transaction recommendation information.

6. The transaction processing method according to claim 5, characterized in that, The transaction assistance platform determines the recommended range of resource quantity based on the first resource quantity and the preset difference limit parameter, including: When the upper limit parameter of the difference includes the target difference threshold, the transaction assistance platform uses the first resource quantity as the lower limit of the range and the sum of the first resource quantity and the target difference threshold as the upper limit of the range, and determines the recommended range of resource quantity based on the lower limit of the range and the upper limit of the range. Alternatively, when the upper limit parameter of the difference includes a reference ratio, the transaction assistance platform determines the target difference threshold based on the product of the first resource quantity and the reference ratio, uses the first resource quantity as the lower limit of the range, uses the sum of the first resource quantity and the target difference threshold as the upper limit of the range, and determines the recommended range of resource quantity based on the lower limit of the range and the upper limit of the range.

7. The transaction processing method according to claim 5, characterized in that, After the transaction assistance platform determines the recommended range of resource quantity based on the first resource quantity and the preset difference upper limit parameter, the transaction processing method further includes: The transaction assistance platform determines a second resource quantity that meets the value constraint condition within the recommended resource quantity range. The value constraint condition is used to constrain the second resource quantity to be an integer multiple of G, where G is a positive integer.

8. The transaction processing method according to claim 1, characterized in that, The resource transfer account, the resource receiving account, and the first resource quantity are associated and recorded in the first record information by the transaction assistance platform. Following the resource transfer operation on the resource transfer page, the transaction processing method further includes: The transaction assistance platform receives resource transfer information sent by a third application to which the resource receiving account belongs. The resource transfer information is sent when the third application detects that the resource receiving account has been transferred to the second amount of resources. The transaction assistance platform filters out the first record information associated with the resource transfer-out account based on the resource transfer-in information, matches the resource transfer-in information with the first record information, and returns a transaction result indicating that the target transaction has been successful when the resource transfer-in information and the first record information are successfully matched.

9. The transaction processing method according to claim 8, characterized in that, When the first record information associated with the resource transfer-out account and at least one candidate record information are filtered out based on the resource transfer-in information, after the resource transfer-in information is matched with the first record information, the transaction processing method further includes: When the first difference determined based on the resource transfer information and the first record information is less than a preset target difference threshold, and the second difference determined based on the resource transfer information and any candidate record information is greater than or equal to the target difference threshold, it is determined that the resource transfer information and the first record information are successfully matched, and the first difference is equal to the difference in resource amount.

10. The transaction processing method according to claim 9, characterized in that, After matching the resource transfer information with the first record information, the transaction processing method further includes: When the first difference is less than the target difference threshold and the second difference is less than the target difference threshold, the size relationship between the first difference and the second difference is determined. When the size relationship indicates that the first difference is less than the second difference, it is determined that the resource transfer information and the first record information are successfully matched.

11. The transaction processing method according to claim 8, characterized in that, The resource transfer information is recorded in the second record information by the transaction assistance platform. When the resource transfer information successfully matches the first record information, a transaction result indicating that the target transaction has been successful is returned, including: When the resource transfer information successfully matches the first record information, the resource transfer information is authenticated. When the identity verification of the resource transfer information is successful, the binding relationship between the first record information and the resource transfer information is added to the second record information, the status of the first record information with the binding relationship is updated to the transaction success status, and the resources of the first resource amount in the resource receiving account are determined as resources to be settled. Based on the first record information that is in a successful transaction state, a transaction result indicating that the target transaction has been successful is returned.

12. The transaction processing method according to claim 8, characterized in that, When the resource transfer information successfully matches the first record information, after returning a transaction result indicating that the target transaction has been successful, the transaction processing method further includes: The transaction assistance platform generates third record information based on the difference in resource amount, the resource transfer-out account, and the resource receiving account; The transaction assistance platform generates a resource return request based on the third record information and sends the resource return request to the third application, so that the third application can respond to the resource return request and transfer the difference in resource amount from the resource receiving account to the resource transferring account.

13. The transaction processing method according to claim 1, characterized in that, The resource transfer page displays information input controls, account selection controls, and a confirm transfer control. In response to a resource transfer operation on the resource transfer page, the transaction result of the target transaction is displayed on the transaction assistance platform, including: In response to the input operation of the resource receiving account and the second resource quantity in the information input control, the resource receiving account and the second resource quantity are displayed on the resource transfer page; In response to the selection of the resource transfer account in the account selection control, the resource transfer account is displayed on the resource transfer page; In response to the triggering operation of the determined transfer control, the transaction assistance platform is displayed, and the transaction result of the target transaction is displayed on the transaction assistance platform.

14. A transaction processing apparatus, characterized in that, include: The first processing module is used to respond to a transaction initiation operation for the target transaction in the first application and display transaction guidance information provided by the transaction assistance platform. The transaction guidance information is used to prompt the transfer of a first amount of resources to the resource receiving account of the target transaction through the second application. The second processing module is used to call the second application to jump to and display the resource transfer page; The third processing module is used to respond to the resource transfer operation on the resource transfer page and display the transaction result of the target transaction on the transaction assistance platform. The resource transfer operation is used to transfer the second amount of resources from the resource transfer-out account to the resource receiving account, where the second amount of resources is greater than the first amount of resources. The fourth processing module is used to display a resource return result on the transaction assistance platform when the transaction result indicates that the target transaction has been successful. The resource return result is used to indicate that the difference in resource amount is transferred from the resource receiving account to the resource transferring account. The difference in resource amount is determined based on the difference between the second resource amount and the first resource amount.

15. An electronic device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the transaction processing method according to any one of claims 1 to 13.

16. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by a processor, it implements the transaction processing method according to any one of claims 1 to 13.

17. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the transaction processing method according to any one of claims 1 to 13.

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