Methods, apparatus, equipment and media for cross-regional transactions applicable to multiple regions

Abstract

This application provides a method, apparatus, device, and medium for cross-regional transactions, relating to the field of data processing technology and applicable to the fintech sector. The method updates the transaction system when the location information corresponding to the card issuer and the transaction business does not match, based on the transaction terminal's information. This allows for adjustments to the transaction system based on the card issuer's location during cross-regional transactions, aligning with user transaction habits and improving user experience and transaction success rate. Furthermore, the transaction gateway determines the corresponding transaction protocol based on the location information received in the first authorization request and updates the first authorization request according to the transaction protocol to obtain a second authorization request. Authorization verification is then completed based on this second authorization request, thus completing the transaction. This achieves seamless switching of the transaction protocol, avoiding transaction failures caused by incompatible transaction protocols or mismatched transaction verification methods.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a method, apparatus, equipment and medium for cross-regional transactions applied in multiple regions. Background Technology

[0002] With the development of global trade and the improvement of people's living standards, cross-regional business activities and cross-border tourism are becoming more and more frequent, which leads to a continuous increase in the demand for cross-border transactions.

[0003] Existing transaction terminals employ fixed transaction processes and language patterns to guide users through transaction operations. For example, existing POS (Point of Sale) terminals use QR code payment. Merchants scan the barcode on the product to generate order information in the POS system, and users open the QR code scanning function of their payment software, scan the code, confirm the payment amount, and enter their password on the payment interface to complete the payment. However, this payment method conflicts with the signature confirmation and contactless payment habits familiar to overseas users.

[0004] Therefore, existing trading methods cannot adapt to the trading habits of users in different regions, thus reducing the success rate of transactions. Summary of the Invention

[0005] This application provides a cross-regional transaction method, apparatus, device, and medium applicable to multiple regions, in order to solve the technical problem that existing transaction methods cannot adapt to the transaction habits of users in different regions, thereby reducing the transaction success rate.

[0006] Firstly, this application provides a cross-regional transaction method applicable to multiple regions, applied to a transaction terminal, comprising:

[0007] In response to the transaction trigger message, obtain the card information and transaction information of the card to be transacted. The card information includes the issuing region and issuing institution, and the transaction information is used to indicate the location information and transaction data corresponding to the transaction.

[0008] If the card issuance region and location information do not match, the transaction system of the transaction terminal will be updated.

[0009] Based on card information and transaction information, a first authorization request for the user is generated and sent to the transaction gateway so that the transaction gateway updates the first authorization request according to the transaction protocol corresponding to the aforementioned location information.

[0010] Based on the authorization result sent by the transaction gateway, a transaction result is generated, and a transaction certificate is generated when the transaction result indicates that the transaction was successful.

[0011] Secondly, this application provides a cross-regional transaction method applicable to multiple regions, applied to a transaction gateway, comprising:

[0012] The system receives a first authorization request sent by the transaction terminal. The first authorization request includes: card information of the card to be transacted and transaction information. The card information includes: card issuing region and card issuing institution. The transaction information is used to indicate the location information and transaction data corresponding to the transaction business.

[0013] The transaction agreement corresponding to the above location information is determined, and the first authorization request is updated according to the transaction agreement to obtain the second authorization request. The first authorization request and the second authorization request are sent to the card issuer and the acquiring system corresponding to the location information, respectively, and the first authorization verification result and the second authorization verification result sent by the card issuer and the acquiring system are received, respectively.

[0014] Based on the first authorization verification result and the second authorization verification result, an authorization result is generated and sent to the transaction terminal so that the transaction terminal can generate a transaction result based on the authorization result and generate a transaction certificate when the transaction result indicates that the transaction is successful;

[0015] The transaction terminal is used to obtain the card information and transaction information of the card to be traded based on the trigger message of the transaction business, and to update the transaction system when the card issuing region and location information do not match, and to generate a first authorization request based on the card information and transaction information.

[0016] Thirdly, this application provides a cross-regional trading device applicable to multiple regions, used in a trading terminal, the device comprising:

[0017] The acquisition module is used to respond to the trigger message of the transaction business and acquire the card information and transaction information of the card to be traded. The card information includes: the issuing region and the issuing institution, and the transaction information is used to indicate the location information and transaction data corresponding to the transaction business.

[0018] The first update module is used to update the transaction system of the transaction terminal if the card issuance region and location information do not match.

[0019] The first generation module is used to generate a user's first authorization request based on card information and transaction information, and send the first authorization request to the transaction gateway so that the transaction gateway updates the first authorization request according to the transaction protocol corresponding to the location information.

[0020] The aforementioned first generation module is also used to generate a transaction result based on the authorization result sent by the transaction gateway, and to generate a transaction certificate when the transaction result indicates that the transaction was successful.

[0021] Fourthly, this application provides a cross-regional transaction device applicable to multiple regions, used in a transaction gateway, the device comprising:

[0022] The receiving module is used to receive a first authorization request sent by the transaction terminal. The first authorization request includes: card information of the card to be transacted and transaction information. The card information includes: card issuing region and card issuing institution. The transaction information is used to indicate the location information and transaction data corresponding to the transaction business.

[0023] The determination module is used to determine the transaction agreement corresponding to the above location information;

[0024] The second update module is used to update the first authorization request according to the transaction agreement to obtain the second authorization request, and send the first authorization request and the second authorization request to the card issuer and the acquiring system corresponding to the above location information respectively, and receive the first authorization verification result and the second authorization verification result sent by the card issuer and the acquiring system respectively.

[0025] The second generation module is used to generate an authorization result based on the first authorization verification result and the second authorization verification result, and send the authorization result to the transaction terminal so that the transaction terminal can generate a transaction result based on the authorization result, and generate a transaction certificate when the transaction result indicates that the transaction is successful;

[0026] The transaction terminal is used to obtain the card information and transaction information of the card to be traded based on the trigger message of the transaction business, and to update the transaction system when the card issuing region and location information do not match, and to generate a first authorization request based on the card information and transaction information.

[0027] Fifthly, embodiments of this application provide an electronic device, including: a memory and a processor;

[0028] The aforementioned memory stores instructions executed by the computer;

[0029] The processor executes computer execution instructions stored in the memory, causing the processor to perform the first aspect and / or various possible implementations of the first aspect, as well as the second aspect and / or various possible implementations of the second aspect.

[0030] In a sixth aspect, embodiments of this application provide a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, are used to implement the first aspect and / or various possible implementations of the first aspect, as well as the second aspect and / or various possible implementations of the second aspect.

[0031] In a seventh aspect, embodiments of this application provide a computer program product, including a computer program that, when executed by a processor, implements the first aspect and / or various possible implementations of the first aspect, as well as the second aspect and / or various possible implementations of the second aspect.

[0032] The cross-regional transaction method provided in this application involves a transaction terminal responding to a transaction trigger message by acquiring card information and transaction information of the card to be transacted. The card information includes the issuing region and issuing institution, while the transaction information indicates the location information and transaction data corresponding to the transaction. If the issuing region and location information do not match, the transaction system is updated, and a first authorization request for the user is generated based on the card information and transaction information. This first authorization request is then sent to a transaction gateway. Upon receiving the first authorization request, the transaction gateway determines the corresponding transaction protocol based on the location information in the first authorization request and updates the first authorization request according to the transaction protocol to obtain a second authorization request. The first and second authorization requests are then sent to the issuing institution and the acquiring system corresponding to the location information, respectively. The gateway receives the first and second authorization verification results from the issuing institution and the acquiring system, respectively. Based on these results, an authorization result is generated and sent to the transaction terminal. The transaction terminal generates a transaction result based on the authorization result sent by the transaction gateway, and generates a transaction voucher when the transaction result indicates a successful transaction. This method adjusts the transaction system based on the issuing region during cross-regional transactions to ensure it aligns with the transaction habits of that region, thus improving user experience and transaction success rate. Furthermore, it achieves seamless switching of transaction protocols through a transaction gateway, avoiding transaction failures caused by incompatible protocols or mismatched verification methods. Attached Figure Description

[0033] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0034] Figure 1 An interactive schematic diagram illustrating a cross-regional transaction method applied to multiple regions, provided as an embodiment of this application;

[0035] Figure 2 A flowchart illustrating a cross-regional transaction method applicable to multiple regions, provided as an embodiment of this application;

[0036] Figure 3 The structural schematic diagram of the cross-regional trading device applied in this application is provided in this application. Figure 1 ;

[0037] Figure 4 The structural schematic diagram of the cross-regional trading device applied in this application is provided in this application. Figure 2 ;

[0038] Figure 5 A schematic diagram of the structure of the electronic device provided in this application.

[0039] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0040] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0041] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of the relevant data all comply with the relevant laws, regulations, and standards of the relevant countries and regions, have taken necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation access points for users to choose to authorize or refuse.

[0042] Furthermore, the technical solution involved in this application, which involves big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.) and the use of artificial intelligence technology for automated decision-making, and makes decisions that have a significant impact on personal rights based on the results of automated decision-making, provides users with corresponding operation entry points for users to choose to agree to or reject the results of automated decision-making; if the user chooses to reject, the process will proceed to the expert decision-making process.

[0043] It should be noted that the cross-regional trading methods, devices, equipment and media provided in this application can be used in the field of financial technology, or in any field other than financial technology. The application fields of the cross-regional trading methods, devices, equipment and media in this application are not limited.

[0044] First, let me explain the terms used in this application:

[0045] BIN (Bank Identification Number): is a numerical coding system that represents the first 6 digits of a bank card number.

[0046] EMV (Ease of Movement Value) refers to the international financial industry's standard for smart payment cards and POS terminals and ATMs that can use chip cards.

[0047] In recent years, with the deepening integration of global business activities, the demand for cross-border transactions has continued to grow. In existing transaction scenarios, POS machines and other transaction terminals are typically used to guide users to complete payment operations.

[0048] For example, existing POS (Point of Sales) terminals use QR code payment for payment operations. Merchants generate order information on the cashier system by scanning the barcode on the product. Users open the QR code scanning function of the payment software, scan the code, confirm the payment amount on the payment interface, enter their password, and complete the payment operation.

[0049] However, existing payment terminals generally use a single language interface, and overseas users are more accustomed to signature confirmation and contactless payment methods. Payment methods without signature verification and relying entirely on QR code scanning reduce the user experience and trust levels of overseas users, increasing the possibility of them abandoning the transaction. Furthermore, the single language interface prolongs transaction time, resulting in a double loss in user experience and merchant service efficiency, further reducing the transaction success rate.

[0050] Therefore, existing trading methods cannot adapt to the trading habits of users in different regions, thus reducing the success rate of transactions.

[0051] The cross-regional transaction method provided in this application involves a transaction terminal acquiring card information and transaction information of the card to be transacted. If the issuing region in the card information does not match the location information in the transaction information, the transaction system is updated to adapt to the user's transaction habits, thereby improving the transaction success rate. Furthermore, after receiving a first authorization request, the transaction gateway determines the corresponding transaction protocol based on the location information in the first authorization request and updates the first authorization request according to the transaction protocol to obtain a second authorization request. Based on the first and second authorization requests, it obtains the first authorization verification results and the second authorization verification results sent by the issuing institution and the acquiring system corresponding to the location information, respectively. Then, based on the first and second authorization verification results, an authorization result is generated, allowing the transaction terminal to generate a transaction result based on this authorization result. When the transaction result indicates a successful transaction, a transaction voucher is generated. This method generates a transaction voucher when the transaction result indicates a successful transaction.

[0052] The technical solution of this application and how the technical solution of this application solves the above-mentioned technical problems are described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. The embodiments of this application will now be described with reference to the accompanying drawings.

[0053] Figure 1 This application provides an embodiment of an interactive diagram illustrating a cross-regional transaction method applicable to multiple regions. The execution entities of this interactive process include a transaction terminal and a transaction gateway. The transaction terminal can be, for example, a POS terminal or a vending machine, and the transaction gateway can be, for example, a mobile payment gateway. The method includes:

[0054] S101. The transaction terminal responds to the transaction service trigger message and obtains the card information and transaction information of the card to be traded.

[0055] The transaction process includes receiving transaction information generated by the merchant's order system and detecting the transaction signal of the card to be traded. Specifically, after generating the transaction information, the merchant's order system sends the transaction information to the transaction terminal. After detecting the transaction signal of the card to be traded, the transaction terminal establishes a communication connection with the card and then reads the card information. The card information includes the issuing region and issuing institution, while the transaction information indicates the location information and transaction data corresponding to the transaction.

[0056] Understandably, the aforementioned transaction signal is the radio frequency (RF) signal of the card to be transacted. For example, the transaction terminal has a built-in NFC (Near Field Communication) chip. This NFC chip continuously emits an RF energy field so that when the card to be transacted is brought close to the transaction terminal, i.e., when the card enters the aforementioned RF energy field, the card is activated, thereby establishing near field communication between the card and the transaction terminal. The transaction terminal reads the card information of the card to be transacted through the NFC chip, and this card information is stored in the NFC chip.

[0057] For example, the card information obtained by the transaction terminal is decoded to obtain the card number of the card to be traded, the BIN code of the card to be traded is extracted from the card number, and the BIN code is identified and analyzed to obtain the issuing region and issuing institution.

[0058] Optionally, the transaction terminal may also have a built-in EMV chip to establish a communication connection with the card to be traded, and then read the card information of the card to be traded.

[0059] It should be noted that the location information in the above transaction information is generated based on the IP (Internet Protocol) address of the merchant's terminal device, or based on the current location of the merchant's terminal device. This application does not impose any restrictions on this.

[0060] S102. If the card issuance region and location information do not match, the transaction terminal will update the transaction system.

[0061] After obtaining the card-issuing region and location information, it is determined whether the location information belongs to the card-issuing region. If the location information belongs to the card-issuing region, it is determined that the card-issuing region matches the location information. Then, the transaction system of the transaction terminal is updated based on the transaction characteristics corresponding to the card-issuing region.

[0062] The transaction characteristics include, but are not limited to: language characteristics, payment method characteristics, and payment voucher characteristics. The payment method characteristic is used to indicate whether the payment method is contactless or contactless.

[0063] S103. The transaction terminal generates the user's first authorization request based on the card information and transaction information.

[0064] According to the preset rules set in the transaction terminal, the data to be verified is obtained from the card information and transaction information, and the data to be verified is preprocessed. Based on the aforementioned preset rules, the preprocessed data to be verified is encapsulated into a first authorization request. The preprocessing includes, but is not limited to, ensuring the uniformity of the data format.

[0065] Understandably, the aforementioned preset rules include, but are not limited to, the data structure, data format, and items to be verified in the first authorization request. For example, based on these items, data to be verified is obtained from card information and transaction information. Based on the aforementioned data structure and format, the data to be verified is preprocessed, and the preprocessed data to be verified is encapsulated into a message, which is the first authorization request.

[0066] S104. The transaction terminal sends the first authorization request to the transaction gateway.

[0067] The transaction gateway acts as an intermediary system between the transaction terminal and the card issuer. It parses the received first authorization request to obtain parsed data and performs a first verification process on this data. This first verification process includes, but is not limited to, verifying the compliance of the data format and content, and determining the transaction network corresponding to the first authorization request. Furthermore, the transaction gateway forwards the first authorization request to the corresponding transaction network so that the transaction network can perform authorization verification and payment clearing processing.

[0068] S105. The transaction gateway determines the transaction protocol corresponding to the location information and updates the first authorization request according to the transaction protocol to obtain the second authorization request. The first authorization request and the second authorization request are sent to the card issuer and the acquiring system corresponding to the location information, respectively. The gateway also receives the first authorization verification result and the second authorization verification result sent by the card issuer and the acquiring system, respectively.

[0069] After receiving the first authorization request, the transaction gateway parses the request to obtain parsed data. This parsed data includes, but is not limited to, location information corresponding to the transaction. The transaction gateway adapts the corresponding transaction protocol to this location information and updates and reassembles the parsed data according to the transaction protocol to obtain a second authorization request conforming to the aforementioned transaction protocol. This second authorization request is sent to the acquiring system corresponding to the location information, enabling the acquiring system to perform authorization verification and risk control monitoring on the aforementioned transaction, thereby obtaining a second authorization verification result. This second authorization verification result includes, but is not limited to, verification results.

[0070] Furthermore, the transaction gateway sends the first authorization request to the card issuer, enabling the card issuer to verify the authorization request and generate a first authorization verification result. The card issuer then processes the aforementioned transaction according to preset accounting rules. For example, at the end of the day, it performs netting and reconciliation to complete the fund transfer.

[0071] S106. The transaction gateway generates an authorization result based on the first authorization verification result and the second authorization verification result.

[0072] The authorization results include: a first authorization result and a second verification result. The first authorization result indicates successful authorization, and the second authorization result indicates authorization failure.

[0073] Optionally, a method for generating an authorization result is provided herein, the method comprising: determining whether a first authorization verification result and a second authorization verification result satisfy preset authorization conditions; generating a first authorization result if both the first authorization verification result and the second authorization verification result satisfy the above authorization conditions; and generating a second authorization result if the first authorization verification result and / or the second authorization verification result do not satisfy the above authorization conditions.

[0074] The preset authorization conditions include: the first authorization verification result indicates successful verification, and the second authorization verification result indicates successful verification.

[0075] S107. The transaction gateway sends the authorization result to the transaction terminal.

[0076] The transaction gateway synchronizes the authorization results to the transaction terminal.

[0077] S108. The transaction terminal generates a transaction result based on the authorization result sent by the transaction gateway, and generates a transaction certificate when the transaction result indicates that the transaction is successful.

[0078] The authorization result is analyzed and processed to obtain the corresponding transaction result. If the transaction result indicates that the transaction was successful, the transaction voucher template is called and updated based on the transaction result to obtain the transaction voucher.

[0079] Optionally, the transaction voucher may be sent to the user terminal in the form of an electronic transaction voucher, and / or the transaction voucher may be printed to obtain a paper transaction voucher.

[0080] As explained in step S106 above, the authorization result includes a first authorization result and a second authorization result. If the received authorization result is the first authorization result, the first authorization result includes: a transaction verification instruction. Based on the transaction verification instruction, the corresponding transaction verification module is called to obtain verification information, and then based on the verification information, a first transaction result is generated. The first transaction result indicates that the transaction was successful. The first transaction result includes: a first transaction identifier, which indicates that the transaction was successful; the first transaction identifier can be, for example, "1".

[0081] The verification information mentioned above is collected by the transaction verification module. For example, if the transaction verification instruction includes password verification, the password input keyboard will be displayed on the interactive interface of the transaction terminal, and the password to be verified entered by the user on the password input keyboard will be obtained.

[0082] Optionally, if the received authorization result is a second authorization result, a second transaction result is generated based on the second authorization result. This second transaction result is used to indicate that the transaction failed. For example, the second authorization result includes, but is not limited to, a response code, an error description, and an authorizing authority. The response code is used to indicate the type of failure.

[0083] The second authorization result is analyzed and processed to generate a corresponding second transaction result. This second transaction result includes, but is not limited to: a second transaction identifier, a transaction failure message, a failure reason, a reference code, and operation instructions. The second transaction identifier indicates transaction failure; for example, it can be "0".

[0084] Understandably, after obtaining the second transaction result, the second transaction result is displayed on the interactive interface of the trading terminal.

[0085] This embodiment provides a cross-regional transaction method applicable to multiple regions. In response to a transaction trigger message, the transaction terminal obtains card information and transaction information for the card to be transacted. The card information includes the issuing region and issuing institution. The transaction information indicates the location information and transaction data corresponding to the transaction. If the issuing region and location information do not match, the transaction system is updated. Based on the card information and transaction information, a first authorization request for the user is generated and sent to the transaction gateway. Upon receiving the first authorization request, the transaction gateway determines the corresponding transaction protocol based on the location information in the first authorization request and updates the first authorization request according to the transaction protocol to obtain a second authorization request. The first and second authorization requests are then sent to the issuing institution and the acquiring system corresponding to the location information, respectively. The gateway receives the first and second authorization verification results from the issuing institution and the acquiring system, respectively. Based on the first and second authorization verification results, an authorization result is generated and sent to the transaction terminal. The transaction terminal generates a transaction result based on the authorization result sent by the transaction gateway, and generates a transaction voucher when the transaction result indicates a successful transaction.

[0086] This method adjusts the transaction system based on the issuing region during cross-regional transactions to ensure it aligns with the transaction habits of that region, thus improving user experience and transaction success rate. Furthermore, it achieves seamless switching of transaction protocols through a transaction gateway, avoiding transaction failures caused by incompatible protocols or mismatched verification methods.

[0087] Figure 2 A flowchart illustrating a cross-regional transaction method applicable to multiple regions, as provided in this application embodiment, is shown below. Figure 2 As shown, in this embodiment... Figure 1Based on the embodiments, a method for cross-regional transactions applied in multiple regions is described in detail. This method is applied to a payment terminal and includes:

[0088] S201. In response to the transaction trigger message, obtain the card information and transaction information of the card to be traded.

[0089] The explanation of step S201 is similar to that of step S101 above, and will not be repeated here.

[0090] S202. If the card issuing region and location information do not match, adjust the language mode of the transaction system to the target language mode corresponding to the card issuing region.

[0091] In cases where the card-issuing region and location information do not match, i.e., in cross-regional transactions, the transaction system is updated based on the card-issuing region. Specifically, the language library corresponding to the card-issuing region is called, and based on this language library, the language mode of the transaction system is switched to the target language mode. This allows users to obtain and understand transaction information from the transaction terminal, thereby enhancing user trust in the transaction process and increasing the transaction success rate.

[0092] Understandably, after the language mode of the transaction system is adjusted to the target language mode corresponding to the card issuing region, the transaction information is displayed in the target language on the interactive interface of the transaction terminal.

[0093] S203. Update the first transaction voucher template based on the language library corresponding to the card issuing region to obtain the second transaction voucher template.

[0094] The first transaction voucher template is generated using the language corresponding to the aforementioned location information. This first transaction voucher template is stored in the database of the transaction terminal, and / or stored on the server.

[0095] The system obtains the first transaction voucher template corresponding to the location information, and updates the first transaction voucher template to the target language corresponding to the card-issuing region based on the language library of the card-issuing region to obtain the second transaction voucher template. This allows users to obtain the transaction result in a timely manner after receiving the transaction voucher generated based on the second transaction voucher template, thereby improving user satisfaction with the transaction service.

[0096] S204. Based on card information and transaction information, generate the user's first authorization request and send the first authorization request to the transaction gateway.

[0097] The explanation of step S204 is similar to that of steps S103 and S104 above, and will not be repeated here.

[0098] S205. Based on the first authorization result sent by the transaction gateway, call the transaction verification module to obtain verification information; based on the verification information, generate the first transaction result.

[0099] The first authorization result is used to indicate successful authorization, and the first authorization result includes: a transaction verification instruction, which instructs the transaction terminal to call the corresponding transaction verification module and collect verification information based on the transaction verification module.

[0100] Optionally, when the first authorization result includes an electronic signature verification instruction, a method is provided here for invoking a transaction verification module to obtain verification information based on the first authorization result. This method includes: invoking an electronic signature module based on the electronic signature verification instruction to display the corresponding electronic signature board; collecting signature data input by the user on the electronic signature board through the electronic signature module, the signature data including: the coordinates of each signature stroke, the pressure of the stroke, and a timestamp; in response to the user's first signature instruction, generating a handwriting sequence based on the timestamps corresponding to multiple handwriting strokes; and generating signature information based on the handwriting sequence, and the coordinates and pressure of each signature stroke. The first signature instruction indicates that the signature has been completed.

[0101] This method adapts the transaction verification method corresponding to the card issuer for the user based on the first authorization result returned by the transaction gateway, so that users from the card issuer region can complete the transaction process in the familiar transaction verification method, thereby improving the transaction success rate.

[0102] It should be noted that the above transaction verification instructions are also used to indicate the transaction verification method, which includes, but is not limited to: password verification, electronic signature verification, and biometric verification.

[0103] S206. Based on the authorization result sent by the transaction gateway, generate a transaction result, and when the transaction result indicates that the transaction is successful, generate an anti-counterfeiting mark according to the preset encryption rules.

[0104] To ensure the security and compliance of transaction results, an anti-counterfeiting label is generated according to preset encryption rules before generating the transaction voucher. The preset encryption rules include the anti-counterfeiting label generation strategy, the data to be encrypted, and the target format of the anti-counterfeiting label. The data to be encrypted is generated based on transaction information and card information. This data may include, for example, the transaction amount, transaction terminal code, account number to be transacted, transaction timestamp, authorization code, and card number mask of the card to be transacted. This application does not limit the specific content of the data to be encrypted.

[0105] Furthermore, after obtaining the data to be encrypted, the data is encrypted to generate an anti-counterfeiting identifier corresponding to the target format described above. The target format includes: a digital signature value and / or an identifier.

[0106] S207. Update the anti-counterfeiting mark to the first transaction voucher template and the second transaction voucher template.

[0107] The preset encryption rules explained in step S206 above also include: the embedding method and addition location of the anti-counterfeiting mark. After obtaining the anti-counterfeiting mark, it is added to the first transaction voucher template and the second transaction voucher template according to the above embedding method and addition location.

[0108] S208. Based on the transaction results, determine the user's transaction characteristics; determine the information to be pushed corresponding to the transaction characteristics.

[0109] The transaction results are processed for feature extraction to obtain corresponding transaction features, and the information to be pushed corresponding to these transaction features is determined. Optionally, the similarity between the transaction feature and multiple historical transaction features in the transaction feature library is determined, and historical transaction features whose similarity meets a first preset condition are identified as target transaction features. Further, at least one target transaction feature is identified as the information to be pushed corresponding to each of the target transaction features. When the number of information to be pushed features is one, a first information tag is generated based on the information to be pushed feature, and the information to be pushed corresponding to the first information tag is obtained from the server.

[0110] In addition, when there are multiple features of information to be pushed, feature fusion is performed on multiple features of information to be pushed to obtain target information features, and a second information tag is generated based on the target information features, and then the information to be pushed corresponding to the second information tag is obtained from the server.

[0111] Optionally, another method for obtaining push notification information is provided here. This method includes: extracting features from transaction results, identifying user transaction features, and inputting these features into an information push model to obtain push notification information tags, thereby obtaining the push notification information corresponding to the push notification information tags. The information push model is trained based on a historical transaction dataset, which includes historical transaction features carrying push notification information tags.

[0112] This method accurately matches the corresponding push information based on the user's transaction characteristics, which is conducive to realizing personalized information push and improving the user's satisfaction and attention to the received push information.

[0113] S209. Add the transaction result and the information to be pushed to the updated second transaction voucher template to obtain the user transaction voucher on the user side; and add the transaction result to the updated first transaction voucher template to obtain the merchant transaction voucher on the merchant side.

[0114] Specifically, based on the language database corresponding to the card-issuing region, the transaction results and the information to be pushed are updated in language, and the updated transaction results and the information to be pushed are added to the second transaction voucher template to obtain the user's transaction voucher on the user side, so that the user can keep track of the transaction results in a timely manner and verify the transaction results.

[0115] For example, the information to be pushed may be marketing information, which can be added as a link to the updated second transaction voucher template so that the user transaction voucher can be sent to the user's terminal after it is generated. This method uses the user transaction voucher to push marketing information determined based on the user's transaction characteristics to the user, which helps to improve the conversion rate of marketing information, enhances the user's experience in the transaction process, and also helps to increase the merchant's revenue.

[0116] In addition, the transaction result is added to the corresponding position in the updated first transaction voucher template to obtain the merchant transaction voucher on the merchant side.

[0117] Understandably, after obtaining the user transaction voucher and the merchant transaction voucher, the user transaction voucher is sent to the user's terminal, and the user transaction voucher and the merchant transaction voucher are printed.

[0118] The cross-regional transaction method provided in this embodiment, applied to multiple regions, obtains card information and transaction information of the card to be traded in response to the transaction trigger message. If the issuing region in the card information does not match the location information in the transaction information, the language mode of the transaction system is adjusted to the target language mode corresponding to the issuing region, and the first transaction voucher template is updated based on the language library corresponding to the issuing region to obtain the second transaction voucher template. This achieves the technical effect of adapting the transaction system to the user based on the issuing region, enabling the user to complete the transaction operation through the familiar transaction method, thereby improving the transaction success rate.

[0119] Furthermore, based on card information and transaction information, a first authorization request is generated for the user and sent to the transaction gateway. Then, based on the first authorization result sent by the transaction gateway, the transaction verification module is invoked to obtain verification information. Based on this verification information, a first transaction result is generated. The first authorization result indicates successful authorization and includes a transaction verification instruction generated by the card issuer. This instruction corresponds to a transaction verification method familiar to the user. Guiding the user to input transaction information based on this instruction enhances user trust in the transaction process and improves the transaction success rate.

[0120] Furthermore, based on the authorization result sent by the transaction gateway, a transaction result is generated. When the transaction result indicates a successful transaction, an anti-counterfeiting identifier is generated according to preset encryption rules. This identifier is then updated in the first and second transaction voucher templates. Based on the transaction result, the user's transaction characteristics are determined, and the corresponding push notification information is identified. The transaction result and the push notification information are then added to the updated second transaction voucher template to obtain the user's transaction voucher. Additionally, the transaction result is added to the updated first transaction voucher template to obtain the merchant's transaction voucher. The user transaction voucher obtained by this method is generated using the target language corresponding to the card-issuing region, which facilitates timely access to transaction results for users and improves user trust and satisfaction with the transaction process. Moreover, the user transaction voucher includes push notification information based on the user's transaction characteristics, enabling personalized information delivery. When the push notification information is product information and / or marketing information, this helps improve marketing conversion rates and customer loyalty, thereby increasing merchant revenue.

[0121] Figure 3 The structural schematic diagram of the cross-regional trading device applied in this application is provided in this application. Figure 1 ,like Figure 3 As shown, the cross-regional trading device 30 provided in this embodiment is applied to a trading terminal and includes:

[0122] The acquisition module 301 is used to acquire card information and transaction information of the card to be traded in response to the trigger message of the transaction business. The card information includes: card issuing region and card issuing institution. The transaction information is used to indicate the location information and transaction data corresponding to the transaction business.

[0123] The first update module 302 is used to update the transaction system of the transaction terminal if the card issuance region and location information do not match.

[0124] The first generation module 303 is used to generate a user's first authorization request based on card information and transaction information, and send the first authorization request to the transaction gateway so that the transaction gateway updates the first authorization request according to the transaction protocol corresponding to the location information.

[0125] The first generation module 303 mentioned above is also used to generate a transaction result based on the authorization result sent by the transaction gateway, and generate a transaction certificate when the transaction result indicates that the transaction is successful.

[0126] In one possible implementation, the above-mentioned device further includes: an adjustment module 304;

[0127] The adjustment module 304 is used to adjust the language mode of the transaction system to the target language mode corresponding to the card issuing region.

[0128] The first update module 302 is also used to update the first transaction voucher template based on the language library corresponding to the card issuing region to obtain the second transaction voucher template. The first transaction voucher template is generated using the language corresponding to the location information.

[0129] In one possible implementation, the above-mentioned authorization result is a first authorization result, which is used to indicate that the authorization was successful. The above-mentioned device further includes: a calling module 305.

[0130] Module 305 is invoked to call the transaction verification module to obtain verification information based on the first authorization result sent by the transaction gateway.

[0131] The first generation module 303 is also used to generate the first transaction result based on the verification information.

[0132] In one possible implementation, the first authorization result includes an electronic signature verification instruction, and the device further includes a display module 306 and a data acquisition module 307.

[0133] Display module 306 is used to call the electronic signature module based on the electronic signature verification command and display the corresponding electronic signature board;

[0134] The acquisition module 307 is used to acquire the signature data entered by the user on the electronic signature board through the electronic signature module. The signature data includes: the stroke coordinates, stroke pressure and timestamp corresponding to each signature stroke.

[0135] The first generation module 303 is further configured to, in response to the user's first signature instruction, generate a handwriting sequence based on the timestamps corresponding to multiple handwritings, wherein the first signature instruction is used to indicate that the signature has been completed;

[0136] The first generation module 303 is also used to generate signature information based on the handwriting sequence, as well as the handwriting coordinates and handwriting pressure corresponding to each signature handwriting.

[0137] In one possible implementation, the above-mentioned device further includes: a first determining module 308 and an adding module 309;

[0138] The first generation module 303 is also used to generate anti-counterfeiting labels according to preset encryption rules;

[0139] The first update module 302 is also used to update the anti-counterfeiting mark to the first transaction voucher template and the second transaction voucher template;

[0140] The first determining module 308 is used to determine the user's transaction characteristics based on the transaction results;

[0141] The first determining module 308 is also used to determine the information to be pushed corresponding to the transaction characteristics;

[0142] Add module 309 to add the transaction result and the information to be pushed to the updated second transaction voucher template to obtain the user transaction voucher on the user side; and add the transaction result to the updated first transaction voucher template to obtain the merchant transaction voucher on the merchant side.

[0143] In one possible implementation, the above authorization result is a second authorization result, which is used to indicate authorization failure. The first generation module 303 is also used to generate a second transaction result based on the second authorization result, which is used to indicate transaction failure.

[0144] The cross-regional trading device provided in this embodiment can execute the methods provided in the above-described method embodiments. Its implementation principle and technical effects are similar, and will not be described in detail here.

[0145] Figure 4 The structural schematic diagram of the cross-regional trading device applied in this application is provided in this application. Figure 2 ,like Figure 4 As shown, the cross-regional transaction device 40 provided in this embodiment is applied to a transaction gateway, and the device 40 includes:

[0146] The receiving module 401 is used to receive a first authorization request sent by the transaction terminal. The first authorization request includes: card information of the card to be traded and transaction information. The card information includes: card issuing region and card issuing institution. The transaction information is used to indicate the location information and transaction data corresponding to the transaction business.

[0147] The determination module 402 is used to determine the transaction agreement corresponding to the above location information;

[0148] The second update module 403 is used to update the first authorization request according to the transaction agreement to obtain the second authorization request, and send the first authorization request and the second authorization request to the card issuer and the acquiring system corresponding to the above location information respectively, and receive the first authorization verification result and the second authorization verification result sent by the card issuer and the acquiring system respectively.

[0149] The second generation module 404 is used to generate an authorization result based on the first authorization verification result and the second authorization verification result, and send the authorization result to the transaction terminal so that the transaction terminal generates a transaction result based on the authorization result, and generates a transaction certificate when the transaction result indicates that the transaction is successful;

[0150] The transaction terminal is used to obtain the card information and transaction information of the card to be traded based on the trigger message of the transaction business, and to update the transaction system when the card issuing region and location information do not match, and to generate a first authorization request based on the card information and transaction information.

[0151] In one possible implementation, the above-mentioned device includes: a judgment module 405;

[0152] The judgment module 405 is used to judge whether the first authorization verification result and the second authorization verification result meet the preset authorization conditions. The preset authorization conditions include: the first authorization verification result indicates successful verification, and the second authorization verification result indicates successful verification.

[0153] The second generation module 404 is further configured to generate a first authorization result when both the first authorization verification result and the second authorization verification result meet the above authorization conditions. The first authorization result is used to indicate that the authorization is successful.

[0154] The second generation module 404 is further configured to generate a second authorization result if the first authorization verification result and / or the second authorization verification result do not meet the authorization conditions, and the second authorization result is used to indicate authorization failure.

[0155] The cross-regional trading device provided in this embodiment can execute the methods provided in the above-described method embodiments. Its implementation principle and technical effects are similar, and will not be described in detail here.

[0156] Figure 5 A schematic diagram of the structure of the electronic device provided in this application. Figure 5 As shown, the electronic device 50 provided in this embodiment includes at least one processor 501 and a memory 502. Optionally, the device 50 further includes a communication component 503. The processor 501, memory 502, and communication component 503 are connected via a bus 504.

[0157] In a specific implementation, at least one processor 501 executes computer execution instructions stored in memory 502, causing at least one processor 501 to perform the above-described method.

[0158] The specific implementation process of processor 501 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.

[0159] In the above embodiments, it should be understood that the processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in this invention can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0160] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage device.

[0161] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.

[0162] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described method.

[0163] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the above-described method.

[0164] The aforementioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.

[0165] An exemplary readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can reside in an Application Specific Integrated Circuit (ASIC). Alternatively, the processor and the readable storage medium can exist as discrete components in the device.

[0166] The division of units is merely a logical functional division; in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be indirect coupling or communication connection through some interfaces, devices, or units, and may be electrical, mechanical, or other forms.

[0167] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0168] In addition, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0169] If a function is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this invention, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0170] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0171] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that this application is not limited to the described order of actions, as some steps may be performed in other orders or simultaneously according to this application. Furthermore, those skilled in the art should also understand that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily essential to this application.

[0172] It should be further noted that although the steps in the flowchart are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, 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 flowchart may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the sub-steps or stages of other steps.

[0173] It should be understood that the above-described device embodiments are merely illustrative, and the device of this application can also be implemented in other ways. For example, the division of units / modules in the above embodiments is only a logical functional division, and there may be other division methods in actual implementation. For example, multiple units, modules, or components may be combined, or integrated into another system, or some features may be ignored or not executed.

[0174] Furthermore, unless otherwise specified, the functional units / modules in the various embodiments of this application can be integrated into one unit / module, or each unit / module can exist physically separately, or two or more units / modules can be integrated together. The integrated units / modules described above can be implemented in hardware or as software program modules.

[0175] When integrated units / modules are implemented in hardware, the hardware can be digital circuits, analog circuits, etc. The physical implementation of the hardware structure includes, but is not limited to, transistors, memristors, etc. Unless otherwise specified, the processor can be any suitable hardware processor, such as a CPU, GPU, FPGA, DSP, and ASIC, etc. Unless otherwise specified, the storage unit can be any suitable magnetic or magneto-optical storage medium, such as Resistive Random Access Memory (RRAM), Dynamic Random Access Memory (DRAM), Static Random Access Memory (SRAM), Enhanced Dynamic Random Access Memory (EDRAM), High-Bandwidth Memory (HBM), Hybrid Memory Cube (HMC), etc.

[0176] If the integrated unit / module is implemented as a software program module and sold or used as an independent product, it can be stored in a computer-readable storage device (CMD). Based on this understanding, the technical solution of this application, 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 memory 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 application. The aforementioned memory includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0177] In the above embodiments, the descriptions of each embodiment have their own emphasis. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments. The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as the combination of these technical features does not contradict each other, it should be considered within the scope of this specification.

[0178] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the following claims.

[0179] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.

Claims

1. A method for cross-regional transactions applied across multiple regions, characterized in that, Applied to a trading terminal, the method includes: In response to a transaction trigger message, the card information and transaction information of the card to be transacted are obtained. The card information includes the issuing region and issuing institution, and the transaction information is used to indicate the location information and transaction data corresponding to the transaction. If the card issuing region does not match the location information, the transaction system of the transaction terminal will be updated. Based on the card information and transaction information, a first authorization request for the user is generated and sent to the transaction gateway so that the transaction gateway updates the first authorization request according to the transaction protocol corresponding to the location information. Based on the authorization result sent by the transaction gateway, a transaction result is generated, and a transaction certificate is generated when the transaction result indicates that the transaction was successful.

2. The method according to claim 1, characterized in that, The update process for the trading system of the trading terminal includes: Adjust the language mode of the transaction system to the target language mode corresponding to the card-issuing region; The first transaction voucher template is updated based on the language library corresponding to the card issuance region to obtain the second transaction voucher template. The first transaction voucher template is generated using the language corresponding to the location information.

3. The method according to claim 2, characterized in that, The authorization result is a first authorization result, which indicates successful authorization. The step of generating a transaction result based on the authorization result sent by the transaction gateway includes: Based on the first authorization result sent by the transaction gateway, the transaction verification module is invoked to obtain verification information; Based on the verification information, a first transaction result is generated.

4. The method according to claim 3, characterized in that, The first authorization result includes: an electronic signature verification instruction. The step of calling the transaction verification module to obtain verification information based on the first authorization result sent by the transaction gateway includes: The electronic signature module is invoked based on the electronic signature verification command to display the corresponding electronic signature board; The electronic signature module collects signature data entered by the user on the electronic signature board. The signature data includes: the coordinates of each signature stroke, the pressure applied to the stroke, and the timestamp. In response to the user's first signature instruction, a handwriting sequence is generated based on the timestamps corresponding to multiple handwritings, wherein the first signature instruction is used to indicate that the signature has been completed; Based on the handwriting sequence, and the handwriting coordinates and handwriting pressure corresponding to each signature handwriting, signature information is generated.

5. The method according to any one of claims 2-4, characterized in that, The generation of transaction vouchers includes: Generate anti-counterfeiting labels according to preset encryption rules; Update the anti-counterfeiting mark to the first transaction voucher template and the second transaction voucher template; Based on the transaction results, the user's transaction characteristics are determined; Determine the information to be pushed corresponding to the transaction characteristics; The transaction result and the information to be pushed are added to the updated second transaction voucher template to obtain the user transaction voucher on the user side; and the transaction result is added to the updated first transaction voucher template to obtain the merchant transaction voucher on the merchant side.

6. The method according to claim 3, characterized in that, The authorization result is a second authorization result, which indicates authorization failure. The step of generating a transaction result based on the authorization result sent by the transaction gateway includes: Based on the second authorization result, a second transaction result is generated, which is used to indicate that the transaction failed.

7. A trading method, characterized in that, Applied to a transaction gateway, the method includes: The system receives a first authorization request sent by the transaction terminal. The first authorization request includes: card information and transaction information of the card to be transacted. The card information includes: the issuing region and the issuing institution. The transaction information is used to indicate the location information and transaction data corresponding to the transaction business. The transaction protocol corresponding to the location information is determined, and the first authorization request is updated according to the transaction protocol to obtain a second authorization request. The first authorization request and the second authorization request are sent to the card issuer and the acquiring system corresponding to the location information, respectively, and the first authorization verification result and the second authorization verification result sent by the card issuer and the acquiring system are received, respectively. Based on the first authorization verification result and the second authorization verification result, an authorization result is generated and sent to the transaction terminal so that the transaction terminal generates a transaction result based on the authorization result and generates a transaction certificate when the transaction result indicates that the transaction is successful; The transaction terminal is used to obtain card information and transaction information of the card to be traded based on the transaction business trigger message, and to update the transaction system if the card issuing region does not match the location information, and to generate the first authorization request based on the card information and the transaction information.

8. The method according to claim 7, characterized in that, The step of generating an authorization result based on the first authorization verification result and the second authorization verification result includes: Determine whether the first authorization verification result and the second authorization verification result meet the preset authorization conditions, wherein the preset authorization conditions include: the first authorization verification result indicates successful verification, and the second authorization verification result indicates successful verification; If both the first authorization verification result and the second authorization verification result satisfy the authorization conditions, a first authorization result is generated, which is used to indicate that the authorization is successful. If the first authorization verification result and / or the second authorization verification result do not meet the authorization conditions, a second authorization result is generated, which is used to indicate authorization failure.

9. A cross-regional trading device applicable to multiple regions, characterized in that, The device, applied to a trading terminal, includes: The acquisition module is used to acquire card information and transaction information of the card to be traded in response to the trigger message of the transaction business. The card information includes: card issuing region and card issuing institution, and the transaction information is used to indicate the location information and transaction data corresponding to the transaction business. The first update module is used to update the transaction system of the transaction terminal if the card issuing region does not match the location information. The first generation module is used to generate a first authorization request for the user based on the card information and transaction information, and send the first authorization request to the transaction gateway so that the transaction gateway updates the first authorization request according to the transaction protocol corresponding to the location information; The first generation module is further configured to generate a transaction result based on the authorization result sent by the transaction gateway, and generate a transaction certificate when the transaction result indicates that the transaction was successful.

10. A cross-regional trading device applicable to multiple regions, characterized in that, The device, applied to a transaction gateway, includes: The receiving module is used to receive a first authorization request sent by the transaction terminal. The first authorization request includes: card information and transaction information of the card to be traded. The card information includes: card issuing region and card issuing institution. The transaction information is used to indicate the location information and transaction data corresponding to the transaction business. The determination module is used to determine the transaction agreement corresponding to the location information; The second update module is used to update the first authorization request according to the transaction protocol to obtain a second authorization request, and to send the first authorization request and the second authorization request to the card issuer and the acquiring system corresponding to the location information, respectively, and to receive the first authorization verification result and the second authorization verification result sent by the card issuer and the acquiring system, respectively. The second generation module is used to generate an authorization result based on the first authorization verification result and the second authorization verification result, and send the authorization result to the transaction terminal so that the transaction terminal generates a transaction result based on the authorization result, and generates a transaction certificate when the transaction result indicates that the transaction is successful; The transaction terminal is used to obtain card information and transaction information of the card to be traded based on the transaction business trigger message, and to update the transaction system if the card issuing region does not match the location information, and to generate the first authorization request based on the card information and the transaction information.

11. An electronic device, characterized in that, include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory to implement the method as described in any one of claims 1 to 8.

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

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

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