Transaction data processing

Abstract

Disclosed in the embodiments of the present description are a transaction data processing method and apparatus, and a storage medium and an electronic device. A use application for first transaction data in the process of a user interacting with a merchant is acquired, pre-selection mechanisms are further determined, target resources that correspond to the pre-selection mechanisms and are required by the use application are frozen and recorded, a recording result is further checked, target mechanisms are determined on the basis of a checking result, and the target resources corresponding to the target mechanisms are aggregated to the merchant. In other words, a resource flow required by the use application is designed into two segments, and the process of processing transaction data of mechanisms is decoupled from the process of the user initiating the use application and using the transaction data.

Description

Transactional data processing Technical Field

[0001] This specification relates to the field of online payment, and in particular to methods, devices, storage media, and electronic devices for transaction data processing. Background Art

[0002] With the continuous development of online transactions, more and more people choose to shop online on electronic trading platforms. The products involved in the transactions are becoming more and more abundant, and the amounts involved are also getting larger and larger. For electronic trading platforms that provide transaction matching for merchants and users, they can enhance users' willingness to participate in transactions by providing installment payment methods for transaction products, and allocate credit limits to users for installment payments by introducing a credit system.

[0003] Bookkeeping is the process of recording account information in a chronological and categorized manner. In the process of processing credit transactions in a financial processing system, in addition to recording the transaction details, it is also necessary to record the account data involved in the transaction.

[0004] However, since the methods of granting credit to users include joint ventures in which consumer finance institutions and financial institutions jointly invest, and self-operated models in which consumer finance institutions or financial institutions invest alone, different investment models and cooperation between multiple institutions lead to the complexity of credit limit accounting, and the current accounting methods are difficult to meet the timeliness and stability requirements of online transactions.

[0005] Summary of the Invention

[0006] The embodiments of this specification provide a transaction data processing method, device, storage medium, and electronic device that can solve some or all of the above problems. The technical solution is as follows.

[0007] In a first aspect, an embodiment of this specification provides a transaction data processing method, the transaction data processing method comprising:

[0008] Obtaining a request for use of first transaction data during interaction between the user and the merchant;

[0009] Determine a preselected institution based on the use application, freeze and record target resources corresponding to the preselected institution, and obtain a first record result, wherein the value of the target resource is the value required by the use application;

[0010] The first record result is checked, a target organization is determined according to the check result, and target resources corresponding to the target organization are aggregated to the merchant.

[0011] In a second aspect, an embodiment of this specification provides a transaction data processing device, the transaction data processing device comprising:

[0012] An application acquisition module, configured to acquire an application for use of the first transaction data during interaction between the user and the merchant;

[0013] A first recording module is configured to determine a preselected institution based on the use application, freeze and record target resources corresponding to the preselected institution, and obtain a first recording result, wherein the value of the target resource is the value required by the use application;

[0014] The record checking module is used to check the first record result, determine the target organization according to the check result, and aggregate the target resources corresponding to the target organization to the merchant.

[0015] In a third aspect, an embodiment of this specification provides a computer storage medium, wherein the computer storage medium stores a plurality of instructions, wherein the instructions are suitable for being loaded by a processor and executing the above-mentioned method steps.

[0016] In a fourth aspect, an embodiment of this specification provides a computer program product, wherein the computer program product stores a plurality of instructions, wherein the instructions are suitable for being loaded by a processor and executing the above-mentioned method steps.

[0017] In a fifth aspect, an embodiment of this specification provides an electronic device, which may include: a processor and a memory; wherein the memory stores a computer program, and the computer program is suitable for being loaded by the processor and executing the above-mentioned method steps.

[0018] The beneficial effects brought about by the technical solutions provided in some embodiments of this specification include at least the following.

[0019] In an embodiment of the present specification, an application for use of the first transaction data is obtained during the interaction between the user and the merchant, and a pre-selected institution is further determined, the target resources required for the application for use corresponding to the pre-selected institution are frozen and recorded, the record results are further checked, the target institution is determined based on the check results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the application for use is designed to be two-stage, the first stage of the resource flow is used in the online link between the user and the merchant, specifically to freeze the target resources required for the application for use, and the second stage of the resource flow is mainly used in the offline link for checking the record results, specifically to unfreeze the target resources and aggregate them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of the institution's transaction data and the capping decision. On the other hand, the process of the institution's transaction data processing is decoupled from the process of the user initiating the application for use and using the transaction data. The online link does not participate in the capping decision of initiating the application for use by means of the pre-selected institution, and the target institution that actually contributes the capital is covered in the offline link, which solves the problem of low real-time performance of transaction data processing and the inability to be applied to the online link. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0021] FIG1 is a schematic diagram of the architecture of a transaction data processing account provided by an embodiment of this specification;

[0022] FIG2 is a flow chart of a transaction data processing method provided in an embodiment of this specification;

[0023] FIG3 is a schematic diagram of the structure of a transaction data processing method provided by an embodiment of this specification;

[0024] FIG4 is a flow chart of a transaction data processing method provided in an embodiment of this specification;

[0025] FIG5 is a schematic diagram of a resource flow for using an application according to an embodiment of the present specification;

[0026] FIG6 is a schematic diagram of the structure of a transaction data processing method provided by an embodiment of this specification;

[0027] FIG7 is a schematic structural diagram of a transaction data processing device provided in an embodiment of this specification;

[0028] FIG8 is a schematic structural diagram of an electronic device provided in an embodiment of this specification. DETAILED DESCRIPTION

[0029] The following will be combined with the drawings in the embodiments of this specification to clearly and completely describe the technical solutions in the embodiments of this specification. Obviously, the embodiments described are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without making any creative efforts are within the scope of protection of this specification.

[0030] In the description of this specification, it should be understood that the terms "first", "second", etc. are used for descriptive purposes only and should not be understood as indicating or implying relative importance. In the description of this specification, it should be noted that, unless otherwise expressly specified and limited, "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units that are not listed, or may optionally include other steps or units inherent to these processes, methods, products or devices. For those of ordinary skill in the art, the specific meanings of the above terms in this specification can be understood according to the specific circumstances. In addition, in the description of this specification, unless otherwise specified, "multiple" refers to two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships can exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the associated objects before and after are in an "or" relationship.

[0031] The present specification is described in detail below with reference to specific embodiments.

[0032] It should be noted that the information (including but not limited to user device information, user personal information, etc.), data (including but not limited to data used for analysis, stored data, displayed data, etc.), and signals involved in the embodiments of this specification are all authorized by the user or fully authorized by all parties, and the collection, use, and processing of relevant data must comply with the relevant laws, regulations, and standards of the relevant countries and regions. For example, the user information involved in this specification is obtained with full authorization.

[0033] Transaction data refers to data related to credit lines. Credit lines can be understood as a series of limits associated with credit transactions. Credit refers to funds directly provided by commercial banks to non-financial institution users, or guarantees provided to users for potential compensation and payment obligations arising from related economic activities. This includes on-balance sheet transactions such as loans, trade financing, bill financing, financial leasing, overdrafts, and various advances, as well as off-balance sheet transactions such as bill acceptances, issuance of letters of credit, guarantees, standby letters of credit, letter of credit confirmations, bond issuance guarantees, loan guarantees, asset sales with recourse, and unused irrevocable loan commitments. In other words, a credit institution is an institution that directly provides financial support to users or guarantees the creditworthiness of users in related economic activities to third parties. It can be understood as any party involved in the provision of credit services.

[0034] A credit line is a resource usage quota granted to a user over a specified period based on factors such as their credit information and the value of their various assets. The user has the right to use the resources within that quota during the specified period. While the user has the right to withdraw or use the resources within the credit line, they must repay the resources used within the credit line within the agreed period after use.

[0035] As shown in Figure 1, Figure 1 is a schematic diagram of the architecture of a transaction data processing account provided in an embodiment of this specification. Figure 1 illustrates a transaction data processing method applied to a credit service-related scenario. This schematic diagram includes a user 101, a merchant 102, and multiple institutions, including at least institution 103, institution 104, institution 105, and institution 106. It should be understood that the number of institutions, user images, merchant images, and types shown in Figure 1 are for illustrative purposes only and are not intended to be limiting in this specification.

[0036] Credit institutions such as institution 103, institution 104, institution 105, and institution 106 can be understood as a single server or a cluster of multiple servers. Each institution is configured to receive requests or information through multiple interfaces and provide corresponding data or services based on the content of the requests. The multiple servers can be multiple physical servers that are hardware independent, or multiple virtual servers deployed in the same hardware resource pool. The virtual server deployment methods include, but are not limited to, VMware, Virtual Box, and Virtual PC. Each institution is configured to provide credit services to users based on the credit agreement corresponding to each credit.

[0037] User 101 intends to purchase a product sold by merchant 102 (fruit is used as a representative product in Figure 1 ). User 101 initiates a usage request for first transaction data to institution 103 via a terminal device. When the transaction data represents a total credit limit, the usage request is a credit application. The following description uses the example of a total credit limit being the first transaction data and a credit application being the usage request.

[0038] Terminal devices include but are not limited to physical or virtual servers, mobile stations (MS), mobile terminal devices (Mobile Terminal), mobile phones (Mobile Telephone), handsets and portable equipment (portable equipment), Bluetooth headsets, smart watches and other types. The electronic devices can communicate with one or more core networks via a radio access network (Radio Access Network, RAN). It can be understood that the embodiments of this specification do not limit the types of the above-mentioned electronic devices. In the embodiments of this specification, a display device can also be installed on the terminal device. The display device can be various devices that can realize display functions, for example: the display device can be a cathode ray tube display (Cathode ray tube display, abbreviated as CR), a light-emitting diode display (Light-emitting diode display, abbreviated as LED), an electronic ink screen, a liquid crystal display (Liquid crystal display, abbreviated as LCD), a plasma display panel (Plasma display panel, abbreviated as PDP), etc. User 101 can use the display device on the terminal device to view the displayed text, pictures, videos and other information, and send instructions to the electronic device through the display device, for example, by long pressing or clicking or double-clicking the display device of the terminal device to send instructions to the terminal device, and the instructions include sending a credit application for the total credit limit to the institution 103 through the terminal device.

[0039] The total credit limit refers to the total credit limit provided to a user by one or more credit institutions, either jointly or independently, after comprehensively evaluating the user's characteristic information. A user's characteristic information can be understood as information used to characterize the user's identity and assess the user's credit limit. For example, a user's characteristic information includes at least one or more of the following: geographic location information, user credit limit information, interest rate information, and operational characteristic information. Geographic location information indicates the user's address, user credit limit information indicates the user's historical credit limit or remaining credit limit or other credit limit data, interest rate information indicates the user's historical credit interest rate and other interest rate data, and operational characteristic information indicates the nature of the user's business, for example, whether the user is self-employed or works for a listed company.

[0040] For example, user profile information also includes device data, basic user data, lending behavior data, and risk / default data. Device data includes device location data, activity category data, and app list data, such as the number of app installations and uninstalls in the past three months. Basic user data refers to occupation, educational background, and other data provided by users during credit assessments. Lending behavior data refers to data generated when users engage in lending activities, such as loan amount, loan duration, and number of loans. Risk / default data refers to data generated when users default, such as overdue amount and duration. Frequent location changes and multiple downloads of loan apps indicate poorer user qualifications and higher risk, leading to a lower total credit limit granted by the credit platform. In other words, the user's credit qualifications are poor. Conversely, relatively strong user qualifications and lower risk lead to a higher credit limit granted by the credit platform, indicating better credit qualifications.

[0041] In one embodiment, the method for obtaining user characteristic information may be that the user sends the user characteristic information to the terminal device through the terminal device corresponding to the user, and the terminal device further sends the user characteristic information to the credit institution. For example, user 101 sends the user characteristic information to the terminal device through the input device or display device of the terminal device by touch, remote control, voice, or click, or user 101 authorizes the terminal device to obtain the user characteristic information. For example, the user authorizes the terminal device through facial recognition or fingerprint recognition, so that the terminal device obtains the user characteristic information from local storage or other platforms based on the user's authorization.

[0042] In this embodiment, as shown in Figure 1, the total credit line of user 101 is RMB 10,000, and the credit line required for user 101's credit application to utilize the total credit line is RMB 50. A credit application can be understood as an application to use or occupy part or all of the total credit line, and the credit line is the amount required for the credit application.

[0043] The terminal device corresponding to user 101 can communicate with multiple organizations through a communication link established based on a communication protocol, such as the gRPC protocol. gRPC is a high-performance, general-purpose open source Remote Procedure Call (RPC) framework that is primarily designed for mobile application development and based on the HTTP / 2 protocol standard. It is developed based on the Protocol Buffers (PB) serialization protocol and supports numerous development languages. The communication link can be a wireless communication link or a wired communication link, for example, a wired communication link includes an optical fiber, a twisted pair, or a coaxial cable, and a wireless communication link includes a Bluetooth communication link, a Wireless Fidelity (Wi-Fi) communication link, or a microwave communication link.

[0044] When institution 103 receives a credit application from user 101, it needs to record the application and related account information. When the first transaction data is the total credit limit, this recording behavior can be understood as bookkeeping, that is, registering the account information in a timely and categorized manner to the account, and providing corresponding credit services to user 101 in response to the credit application. However, since credit is granted to users in various ways, including joint ventures where multiple institutions jointly invest, and self-operated models where each institution independently invests, the different investment models and cooperation between multiple institutions lead to the complexity of credit limit bookkeeping. Current bookkeeping methods cannot meet the timeliness and stability requirements of online transactions.

[0045] Therefore, embodiments of this specification propose a transaction data processing method to address some or all of the aforementioned issues. In one embodiment, Figure 2 shows a schematic diagram of a transaction data processing method proposed in embodiments of this specification. This method can be implemented using a computer program and run on a transaction data processing device based on the von Neumann architecture. This computer program can be integrated into an application or run as a standalone tool application.

[0046] Specifically, the transaction data processing method includes S102 to S106.

[0047] S102: Obtain a use application for first transaction data during the interaction between the user and the merchant.

[0048] This embodiment is described by taking the first transaction data as the total credit limit and the usage application as the credit application as an example.

[0049] The total credit limit is the total credit limit offered to a user by one or more credit institutions, either jointly or independently, after comprehensively evaluating the user's profile. The institution providing the total credit limit receives the user's credit application for the total credit limit. As shown in Figure 1, institution 103 receives a credit application from user 101 via a terminal device for a total credit limit of 10,000 yuan. This credit application requires a credit limit of 50 yuan.

[0050] Based on a credit application, an institution can obtain the credit limit required for the credit application, as well as other information required for executing transaction data processing methods, such as the user information, merchant information, order creation time information, and the corresponding credit application. User information includes credit-related information such as the user's total credit limit and available credit limit. Merchant information includes merchant identity information and merchant account information, such as the business name and address. Merchant account information includes information about the merchant's spending account.

[0051] S104: Determine a pre-selected organization based on the use application, freeze and record target resources corresponding to the pre-selected organization, and obtain a first recording result.

[0052] The target resource value is the value required for the use application. The following uses a credit application as an example. The value required for the use application is the credit limit required for the credit application.

[0053] Based on the credit application, the pre-selected funding institutions are determined using usage rules (also known as credit granting rules) and a decision-making algorithm or model. For example, the pre-selected funding institutions are determined using a greedy algorithm (also known as a greedy algorithm). A greedy algorithm always chooses the solution that appears to be optimal at the moment. In other words, it does not consider the overall situation and only obtains a locally optimal solution.

[0054] In one embodiment, a preselected institution is determined based on preset usage rules and the usage application, and the target resources corresponding to the preselected institution are frozen and recorded, resulting in a first record result. The usage rules are credit rules, which include the credit rules in the credit agreement established between each institution and the user. The specific content of the credit rules is set as needed by relevant personnel of each institution. In other words, in this embodiment, the preselected institution for investment is determined by comprehensively considering the credit rules between each institution and the user, as well as the specific content of the credit application, such as the type of merchant corresponding to the credit application and the credit limit of the credit application.

[0055] After the pre-selected institutions are determined based on the credit application, target resources in the accounts of the pre-selected institutions are frozen. The target resources can be any resource that meets the credit requirements and meets the credit limit, such as cash, funds, government bonds, bonds, foreign exchange, stocks, etc., and this specification does not limit this. For example, as shown in Figure 1, institution 103 determines that the pre-selected institutions are institutions 103 and 104. That is, institutions 103 and 104 respond to user 101's credit application through a joint operation. The pre-selected institutions include institutions 103 and 104. The accounts of the pre-selected institutions are the settlement accounts of institutions 103 and 104 that jointly provide credit services. The target resources frozen in the accounts of the pre-selected institutions are the target resources in the settlement accounts of institutions 103 and 104 that jointly provide credit services. The limit of the target resources is the limit required for the credit application.

[0056] After executing the credit behavior of determining the pre-selected institution and freezing the target resources in the account of the pre-selected institution, the specific content of the above credit behavior is recorded to obtain a first record result. In one embodiment, the pre-selected institution is determined according to the use application, the target resources corresponding to the pre-selected institution are frozen and recorded according to the preset fusion record rules to obtain a first record result. As shown in Figure 3, Figure 3 is a structural diagram of a transaction data processing method provided in an embodiment of this specification, and the fusion limit recording rule is set based on the structure shown in Figure 3. In Figure 3, the first transaction data is the total credit limit, and the fusion record rule is the recording rule of the fusion limit.

[0057] Specifically, user 201's total credit limit includes a fixed credit limit and a temporary credit limit. Fixed credit limits include at least a general fixed credit limit, while temporary credit limits include at least a general temporary credit limit, a scenario-based temporary credit limit, and a special temporary credit limit. A fixed credit limit can be understood as a fixed credit limit granted to a user by an institution, which is generally long-term. A temporary credit limit can be understood as a credit limit granted to a user temporarily by an institution, which is generally temporary and short-lived.

[0058] Because the credit agreements between various institutions and users vary, the total credit lines provided to user 201 by each institution include various types. For example, scenario-based temporary credit lines and special temporary credit lines are generated by credit agreements for consumer finance temporary credit lines. It should be understood that the types of fixed credit lines and temporary credit lines shown in FIG3 are merely illustrative. This specification also includes other types of fixed credit lines or temporary credit lines, and the fixed credit lines and temporary credit lines corresponding to different users may not be exactly the same. This specification does not impose any restrictions on this.

[0059] In the process of interacting with the merchant, user 201 initiates a credit application for the total credit line. Based on the credit application, a user-side record is made, and the record result includes the use of various types of credit lines by the credit application. When recording on the institutional side, the institutional side records the integrated credit line according to different business methods. The integrated credit line can be understood as integrating fixed credit lines, temporary credit lines and other types of credit lines into one, and recording them as a credit line of unified specifications. As shown in Figure 3, institution 202 only records based on the joint venture integrated credit line and the self-operated integrated credit line, and institution 203 only records based on the joint venture integrated credit line and the self-operated integrated credit line, and no longer cares about the use of various types of credit lines in the user-side record results. The above-mentioned recording rules are the integrated credit line recording rules described in this specification.

[0060] Based on the preset fusion credit limit recording rules provided in the embodiments of this specification, the behavior of freezing the target resources in the account of the pre-selected institution is recorded to obtain the first recording result, which can effectively reduce the complexity of the record on the institution side, improve the recording efficiency, and improve the subsequent verification efficiency of whether the credit limit complies with the capping rules based on the first recording result.

[0061] S106: Verify the first record result, determine the target organization according to the verification result, and aggregate the target resources corresponding to the target organization to the merchant.

[0062] The freezing operation on the target resources of the pre-selected institution in the first record result is checked. Based on the capping rule, the value of the frozen target resources exceeds the value of the second transaction data of the pre-selected institution. The second transaction data represents the credit limit granted by the pre-selected institution to the user. Based on the test results, it is further determined whether the pre-selected institution is the target institution. If so, the frozen target resources in the pre-selected institution are aggregated with the merchant, for example, by settling the target resources into the merchant's account. If the pre-selected institution is not the target institution, a new target institution is determined and the target resources corresponding to the target institution are aggregated with the merchant.

[0063] Specifically, as shown in FIG4 , FIG4 is a flow chart of a transaction data processing method provided in an embodiment of this specification. The transaction data processing process includes an online link and an offline link. FIG4 shows the application of the transaction data processing method in a credit service-related scenario, where the first transaction data is the total credit limit, the application for use is the credit application, the value required for the application for use is the credit limit, the recorded result is the accounting result, and the second transaction data of the pre-selected institution is the credit limit granted by the pre-selected institution to the user.

[0064] On the online link, user 301 initiates a credit application for the total credit line, which includes a credit line. As shown in FIG1 , the total credit line is 10,000 yuan, and the credit line in the credit application is 50 yuan.

[0065] Furthermore, a user-side credit cap detection is performed, that is, whether the credit limit exceeds the available credit limit in the total credit limit. The available credit limit can be understood as the remaining credit limit after deducting the used credit limit from the total credit limit. As shown in Figure 1, the available credit limit is 5,000 yuan.

[0066] When the result of the credit cap detection on the user side is that the available credit limit is sufficient, that is, the credit limit is less than the available credit limit, the payment system 3021 determines the pre-selected institution 303 based on the credit application, and freezes the target resources with a credit limit in the account of the pre-selected institution 303, and the above-mentioned behavior is recorded through the accounting system 3022. For example, the target resources with a credit limit of 50 yuan in the settlement account of the institution corresponding to the pre-selected institution 303 and the payment system 3031 that provides credit services are frozen. When the result of the credit cap detection on the user side is that the credit limit is insufficient, that is, the credit limit required by the credit application of user 301 exceeds the available credit limit, the credit application is rejected, or a message is sent to the user to increase the total credit limit.

[0067] On the offline link, a credit cap check is performed based on the records obtained from the online link. This determines whether the amount of the frozen target resources of the pre-selected institution exceeds the credit limit of the pre-selected institution. For example, if a target resource with a balance of 50 yuan in a settlement account jointly operated by pre-selected institution 303 and the user itself, including 40 yuan of target resources belonging to pre-selected institution 303, is frozen, then the user is determined to determine whether this balance exceeds the credit limit granted by pre-selected institution 303 to user 301.

[0068] If the credit limit check result on the institution side indicates that the pre-selected institution has sufficient credit, pre-selected institution 303 is determined to be the target institution, and the target resources in the account of pre-selected institution 303 are settled to the account of merchant 304 through payment system 3021. For example, the target resources with a limit of 50 yuan in the settlement account of the credit service provided by the joint institution between pre-selected institution 303 and payment system 3031 are frozen, and then the target resources are further settled to the account of merchant 304.

[0069] When the credit limit check result of the institution-side credit cap indicates that the credit limit of the pre-selected institution is insufficient, the target resources in the account of the pre-selected institution 303 are unfrozen, and a target institution 304 different from the pre-selected institution 303 is re-determined based on the constraint condition through other algorithms or models. The target resources in the account of the re-determined target institution 304 are settled to the merchant 304 through the payment system 3021. For example, if it is determined that the frozen target resource corresponding to the credit limit of 40 yuan of the pre-selected institution 304 exceeds the credit limit of the pre-selected institution 304 for the user 301, the target resource is unfrozen, and the target institution 304 is further determined. The target resources in the settlement account of the target institution 304 and the corresponding institution of the payment system 3021, which jointly provides credit services, are settled to the account of the merchant 304.

[0070] In this embodiment, as shown in Figure 5, which is a flow diagram of a resource flow for a credit line provided in an embodiment of this specification, Figure 4 shows the application of the transaction data processing method in a credit service-related scenario. As shown in Figure 5, the expenditure account corresponding to merchant 401, the expenditure account corresponding to institution 402, the expenditure account corresponding to institution 403, and a transition account jointly operated by institution 402 and institution 403 are included. Institution 402 can be understood as the institution that executes the transaction data processing method, and institution 403 can be understood as a pre-selected institution pre-selected by institution 403 in the online link based on the user's application for use.

[0071] In the offline link, when the credit cap determination result on the institutional side is sufficient, the target resources corresponding to institutions 402 and 403 are aggregated to the merchant, that is, the target resources with a credit limit in the transition account jointly operated by institutions 402 and 403 are settled to the expenditure account of merchant 401. When the credit cap determination result on the institutional side is insufficient, institution 403 is not the target institution, and the target resources contributed by institution 403 in the transition account jointly operated by institutions 402 and 403 are cleared to the expenditure account of institution 403. With institution 402 as the target institution, the target resources with a cleared limit in institution 402's expenditure account are aggregated to the transition account, and the target resources with a credit limit in the transition account are further settled to the expenditure account of merchant 401.

[0072] In one embodiment, the first record result is checked, the target institution is determined based on the check result, and the target resources corresponding to the target institution are aggregated to the merchant and recorded to obtain a second record result. In other words, the behavior of determining the target institution and settling the target resources in the target institution's account to the merchant's account is recorded to obtain a second record result. The second record result may include the behavior of unfreezing the target resources in the account of the pre-selected institution, and the specific content of the credit limit involved in each behavior, that is, the value or behavior related to the transaction data. In this embodiment, the fusion record rule with the first record result can be adopted to record, so as to obtain the second record result. Through the second record result obtained, relevant personnel can check the target resource settlement merchant corresponding to the target institution and other behaviors related to the transaction data to ensure the correctness of the above-mentioned behaviors and corresponding content.

[0073] In an embodiment of the present specification, an application for use of the first transaction data is obtained during the interaction between the user and the merchant, and a pre-selected institution is further determined, the target resources required for the application for use corresponding to the pre-selected institution are frozen and recorded, the record results are further checked, the target institution is determined based on the check results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the application for use is designed to be two-stage, the first stage of the resource flow is used in the online link between the user and the merchant, specifically to freeze the target resources required for the application for use, and the second stage of the resource flow is mainly used in the offline link for checking the record results, specifically to unfreeze the target resources and aggregate them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of the institution's transaction data and the capping decision. On the other hand, the process of the institution's transaction data processing is decoupled from the process of the user initiating the application for use and using the transaction data. The online link does not participate in the capping decision of initiating the application for use by means of the pre-selected institution, and the target institution that actually contributes the capital is covered in the offline link, which solves the problem of low real-time performance of transaction data processing and the inability to be applied to the online link.

[0074] In one embodiment, FIG6 is a schematic diagram illustrating a transaction data processing method proposed in an embodiment of this specification. This method can be implemented using a computer program and can be run on a transaction data processing device based on the von Neumann architecture. The computer program can be integrated into an application or run as a standalone tool application.

[0075] Specifically, the transaction data processing method includes S202 to S216.

[0076] S202: Obtain a credit application for a total credit line during interaction between the user and the merchant.

[0077] See the above S102, which will not be repeated here.

[0078] S204: Detect whether the value required for the use application exceeds the value of the first transaction data.

[0079] Specifically, based on the capping rule, it is detected whether the value required for the use application exceeds the value of the first transaction data, or exceeds the value of the available part in the first transaction data. Taking the first transaction data as the total credit limit as an example, the value of the available part in the first transaction data is the available credit limit, and the use application is a credit application. According to the order amount contained in the order information of the obtained credit application as the credit limit, the order amount is compared with the available credit limit of the user's total credit limit. If the order amount is less than or equal to the available credit limit, it indicates that the user's remaining credit limit can meet the payment of the current transaction order, that is, the credit limit required for the credit application does not exceed the total credit limit. In response to the credit application, S206 is executed. If the order amount is greater than the available credit limit, it means that the credit limit required for the credit application exceeds the total credit limit, and the credit application does not comply with the capping rule, and S216 is executed.

[0080] In one embodiment, in response to the credit application, a settlement page for the transaction order is rendered on the order platform. The status indicator of the payment channel corresponding to the available credit limit is rendered on the settlement page, and the rendered settlement result is displayed on the display device of the electronic device. The user submits the payment instruction for the transaction order by triggering the payment control on the settlement page, and the order platform further notifies the user of a successful settlement.

[0081] S206. When the credit limit required by the credit application does not exceed the total credit limit, a pre-selected institution is determined based on the credit application, target resources in the pre-selected account are frozen and recorded, and a first recording result is obtained.

[0082] See S104 above, which will not be repeated here.

[0083] S208: Detect whether the value required for the application in the first record result exceeds the value of the second transaction data of the pre-selected institution.

[0084] Specifically, the freezing operation on the target resource in the preselected institution in the first record result is checked, and whether the value of the frozen target resource exceeds the value of the second transaction data of the preselected institution according to the capping rule.

[0085] It is understood that when the institution responding to the credit application selects a pre-selected institution and provides credit services to the joint operation, the frozen account is the settlement account of the joint operation between the institution responding to the credit application and the pre-selected institution, and the target resource within the settlement account whose balance is the credit limit is frozen. However, when checking whether the credit limit in the first record exceeds the credit limit of the pre-selected institution, the actual test is whether the balance of the target resource belonging to the pre-selected institution frozen in the settlement account exceeds the credit limit of the pre-selected institution.

[0086] S210: When the value required for the application in the first record result exceeds the value of the second transaction data of the pre-selected institution, determine a target institution different from the pre-selected institution.

[0087] Based on the constraint that the value of the second transaction data is different from the pre-selected institution and is less than or equal to the value of the target institution's required usage application, the target institution for the guaranteed investment is determined using usage rules and a decision algorithm or decision model. For example, a greedy algorithm (also known as a greedy algorithm) is used to determine the target institution for the guaranteed investment.

[0088] In one embodiment, when the value required for the application in the first record result exceeds the value of the second transaction data of the pre-selected institution, the institution with a joint venture relationship with the pre-selected institution is determined as the target institution. Taking the application for credit as an example, the institution responding to the credit application and the pre-selected institution jointly provide credit services to the user, that is, freeze the target resources with a credit limit from the settlement account jointly operated by the institution responding to the credit application and the pre-selected institution. Among them, the institution responding to the credit application can be a consumer finance institution, which, based on legal joint venture rules, jointly provides credit services to the user with a financial institution that is not a consumer finance institution, and contributes funds to the user's credit application. When the credit limit exceeds the credit limit of the pre-selected institution, the institution responding to the credit application changes the joint venture business model to a self-operated business model, and provides the target resources with a credit limit through its own settlement account or by pooling resources from the joint venture settlement.

[0089] In one embodiment, if the value required for the application in the first record result exceeds the value of the second transaction data of the pre-selected institution, a target institution different from the pre-selected institution is determined, and the target resources corresponding to the pre-selected institution are unfrozen. As shown in Figure 5, when the result of the credit capping on the institution side is insufficient, institution 403 is not the target institution, and the target resources contributed by institution 403 in the transition account jointly operated by institutions 402 and 403 are cleared to the expenditure account of institution 403. With institution 402 as the target institution, the target resources in the expenditure account of institution 402 with the amount of the cleared amount are aggregated into the transition account, and the target resources in the transition account with the amount of the credit limit are further settled to the expenditure account of merchant 401.

[0090] S212: Settle the target resources in the target institution's account to the merchant's account.

[0091] The target resource flow settlement process is completed by settling the target resource with a credit limit from the target institution's account or an account jointly operating with the target institution to provide credit services to the merchant's account, as shown in Figure 5 and will not be further described here.

[0092] S214: If the value required for the application in the first record result does not exceed the value of the second transaction data of the pre-selected institution, the pre-selected institution is used as the target institution.

[0093] If the value required for the application in the first record result exceeds the value in the second transaction data of the pre-selected institution, the pre-selected institution can be used as the target institution for capital contribution. As shown in Figure 5, when the credit cap determination result on the institution side is sufficient, the target resource with a credit limit in the transition account jointly operated by institutions 402 and 403 is settled to the expenditure account of merchant 401.

[0094] S216: If the value required for the use application exceeds the value of the first transaction data, reject the use application.

[0095] If the value required for the credit application exceeds the value of the first transaction data, or exceeds the value of the available portion of the first transaction data, the credit application is illegal. For example, if the credit limit required for the credit application exceeds the total credit limit, or exceeds the available credit limit within the total credit limit, the credit application is illegal. For example, if a user's credit application requires a credit limit of 10,000 yuan and the total credit limit is 5,000 yuan, or if the total credit limit is 20,000 yuan but the available credit limit is 5,000 yuan, the credit application is illegal. Because the credit application is illegal, the credit application is rejected, or a message is sent to the user requesting an increase in the total credit limit.

[0096] In an embodiment of the present specification, an application for use of the first transaction data is obtained during the interaction between the user and the merchant, and a pre-selected institution is further determined, the target resources required for the application for use corresponding to the pre-selected institution are frozen and recorded, the record results are further checked, the target institution is determined based on the check results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the application for use is designed to be two-stage, the first stage of the resource flow is used in the online link between the user and the merchant, specifically to freeze the target resources required for the application for use, and the second stage of the resource flow is mainly used in the offline link for checking the record results, specifically to unfreeze the target resources and aggregate them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of the institution's transaction data and the capping decision. On the other hand, the process of the institution's transaction data processing is decoupled from the process of the user initiating the application for use and using the transaction data. The online link does not participate in the capping decision of initiating the application for use by means of the pre-selected institution, and the target institution that actually contributes the capital is covered in the offline link, which solves the problem of low real-time performance of transaction data processing and the inability to be applied to the online link.

[0097] The following are device embodiments of this specification, which can be used to implement the method embodiments of this specification. For details not disclosed in the device embodiments of this specification, please refer to the method embodiments of this specification.

[0098] Please refer to Figure 7, which shows a schematic diagram of the structure of a transaction data processing device provided in an exemplary embodiment of this specification. The transaction data processing device can be implemented as all or part of the device through software, hardware, or a combination of both. The transaction data processing device includes an application acquisition module 701, a first recording module 702, and a record verification module 703.

[0099] The application acquisition module 701 is used to acquire an application for use of first transaction data during the interaction between a user and a merchant.

[0100] The first recording module 702 is used to determine a preselected organization according to the use application, freeze the target resources corresponding to the preselected organization and record them to obtain a first recording result, where the value of the target resource is the value required by the use application.

[0101] The record checking module 703 is used to check the first record result, determine the target organization according to the check result, and aggregate the target resources corresponding to the target organization to the merchant.

[0102] In one embodiment, the record checking module 703 includes:

[0103] a first checking unit, configured to check whether the value required for the use application in the first record result exceeds the value of the second transaction data corresponding to the preselected institution;

[0104] a first determining unit configured to determine a target institution different from the pre-selected institution if the value required by the use application exceeds the value of the second transaction data corresponding to the pre-selected institution;

[0105] The target settlement unit is used to aggregate the target resources corresponding to the target organization to the merchant.

[0106] In one embodiment, the target determination unit includes:

[0107] The unfreezing subunit is used to determine a target organization different from the pre-selected organization and unfreeze the target resources corresponding to the pre-selected organization when the value required by the use application exceeds the value of the second transaction data corresponding to the pre-selected organization.

[0108] In one embodiment, the first determining unit includes:

[0109] The determination subunit is configured to determine an institution having a joint venture relationship with the pre-selected institution as the target institution when the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution.

[0110] In one embodiment, the record checking module 703 further includes:

[0111] The second determining unit is configured to select the pre-selected institution as the target institution if the value required by the use application does not exceed the value of the second transaction data corresponding to the pre-selected institution.

[0112] In one embodiment, the transaction data processing apparatus further includes:

[0113] A data detection module, configured to detect whether a value required by the use application exceeds a value of the first transaction data;

[0114] The first recording module 702 further determines a preselected organization according to the use application when the value required by the use application does not exceed the value of the first transaction data, freezes the target resources corresponding to the preselected organization, and records the target resources to obtain a first recording result.

[0115] In one embodiment, the first recording module 702 includes:

[0116] The first recording unit is configured to determine a preselected organization according to a preset usage rule and the usage application, freeze and record target resources corresponding to the preselected organization, and obtain a first recording result.

[0117] In one embodiment, the transaction data processing apparatus further includes:

[0118] The second recording module is used to check the first recording result, determine the target organization according to the checking result, and aggregate the target resources corresponding to the target organization to the merchant and record them to obtain a second recording result.

[0119] In one embodiment, the first recording module 702 includes:

[0120] The second recording unit is used to determine a pre-selected organization according to the use application, freeze the target resources corresponding to the pre-selected organization and record according to a preset fusion recording rule to obtain a first recording result.

[0121] In an embodiment of the present specification, an application for use of the first transaction data is obtained during the interaction between the user and the merchant, and a pre-selected institution is further determined, the target resources required for the application for use corresponding to the pre-selected institution are frozen and recorded, the record results are further checked, the target institution is determined based on the check results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the application for use is designed to be two-stage, the first stage of the resource flow is used in the online link between the user and the merchant, specifically to freeze the target resources required for the application for use, and the second stage of the resource flow is mainly used in the offline link for checking the record results, specifically to unfreeze the target resources and aggregate them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of the institution's transaction data and the capping decision. On the other hand, the process of the institution's transaction data processing is decoupled from the process of the user initiating the application for use and using the transaction data. The online link does not participate in the capping decision of initiating the application for use by means of the pre-selected institution, and the target institution that actually contributes the capital is covered in the offline link, which solves the problem of low real-time performance of transaction data processing and the inability to be applied to the online link.

[0122] It should be noted that the transaction data processing device provided in the above embodiment, when executing the transaction data processing method, only uses the division of the above functional modules as an example. In actual applications, the above functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. In addition, the transaction data processing device provided in the above embodiment and the transaction data processing method embodiment are based on the same concept. The implementation process is detailed in the method embodiment and will not be repeated here.

[0123] The serial numbers of the embodiments in this specification are for description only and do not represent the advantages or disadvantages of the embodiments.

[0124] An embodiment of this specification also provides a computer storage medium, which can store multiple instructions. The instructions are suitable for being loaded by a processor and executing the transaction data processing method of the embodiment shown in Figures 1 to 6 above. The specific execution process can be found in the specific description of the embodiment shown in Figures 1 to 6, which will not be repeated here.

[0125] This specification also provides a computer program product, which stores at least one instruction, and the at least one instruction is loaded by the processor and executes the transaction data processing method of the embodiment shown in Figures 1 to 6 above. The specific execution process can be found in the specific description of the embodiment shown in Figures 1 to 6, and will not be repeated here.

[0126] Please refer to Figure 8 , which is a schematic diagram of the structure of an electronic device according to an embodiment of this specification. As shown in Figure 8 , the electronic device 800 may include: at least one processor 801 , at least one network interface 804 , a user interface 803 , a memory 805 , and at least one communication bus 802 .

[0127] The communication bus 802 is used to implement the connection and communication between these components.

[0128] The user interface 803 may include a display screen (Display) and a camera (Camera). Optionally, the user interface 803 may also include a standard wired interface and a wireless interface.

[0129] The network interface 804 may optionally include a standard wired interface or a wireless interface (such as a WI-FI interface).

[0130] The processor 801 may include one or more processing cores. The processor 801 utilizes various interfaces and circuits to connect the various components within the entire electronic device 800. By running or executing instructions, programs, code sets, or instruction sets stored in the memory 805, and accessing data stored in the memory 805, the processor 801 performs various functions of the electronic device 800 and processes data. Optionally, the processor 801 may be implemented using at least one hardware form selected from the group consisting of a digital signal processing (DSP), a field-programmable gate array (FPGA), and a programmable logic array (PLA). The processor 801 may integrate one or a combination of a central processing unit (CPU), a graphics processing unit (GPU), and a modem. The CPU primarily processes the operating system, user interface, and application programs; the GPU is responsible for rendering and drawing the content to be displayed on the display screen; and the modem is responsible for handling wireless communications. It is understood that the modem may not be integrated into the processor 801 and may be implemented separately on a single chip.

[0131] Among them, the memory 805 may include a random access memory (RAM) or a read-only memory (ROM). Optionally, the memory 805 includes a non-transitory computer-readable storage medium. The memory 805 can be used to store instructions, programs, codes, code sets or instruction sets. The memory 805 may include a program storage area and a data storage area, wherein the program storage area may store instructions for implementing an operating system, instructions for at least one function (such as a touch function, a sound playback function, an image playback function, etc.), instructions for implementing the above-mentioned various method embodiments, etc.; the data storage area may store data involved in the above-mentioned various method embodiments, etc. The memory 805 may also be at least one storage device located away from the aforementioned processor 801. As shown in Figure 8, the memory 805 as a computer storage medium may include an operating system, a network communication module, a user interface module and a transaction data processing application.

[0132] In the electronic device 800 shown in FIG8 , the user interface 803 is mainly used to provide an input interface for the user and obtain data input by the user; and the processor 801 can be used to call the transaction data processing application stored in the memory 805 and specifically perform the following operations:

[0133] Obtaining a request for use of first transaction data during interaction between the user and the merchant;

[0134] Determine a preselected institution based on the use application, freeze and record target resources corresponding to the preselected institution, and obtain a first record result, wherein the value of the target resource is the value required by the use application;

[0135] The first record result is checked, a target organization is determined according to the check result, and target resources corresponding to the target organization are aggregated to the merchant.

[0136] In one embodiment, the processor 801 performs the checking of the first record result, determines the target organization according to the checking result, and aggregates the target resources corresponding to the target organization to the merchant, specifically performing:

[0137] checking whether the value required for the use application in the first record result exceeds the value of the second transaction data corresponding to the pre-selected institution;

[0138] determining a target institution different from the pre-selected institution when the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution;

[0139] The target resources corresponding to the target organization are aggregated to the merchant.

[0140] In one embodiment, the processor 801 determines a target institution different from the pre-selected institution when the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution, specifically performing:

[0141] When the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected organization, a target organization different from the pre-selected organization is determined, and the target resources corresponding to the pre-selected organization are unfrozen.

[0142] In one embodiment, the processor 801 determines a target institution different from the pre-selected institution when the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution, specifically performing:

[0143] In a case where the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution, an institution having a joint venture relationship with the pre-selected institution is determined as the target institution.

[0144] In one embodiment, before the processor 801 executes the step of aggregating the target resources corresponding to the target organization to the merchant, the processor 801 further executes:

[0145] When the value required for the use application does not exceed the value of the second transaction data corresponding to the pre-selected institution, the pre-selected institution is used as the target institution.

[0146] In one embodiment, after the processor 801 executes the acquisition of the use application for the first transaction data during the interaction between the user and the merchant, the processor 801 determines the preselected institution based on the use application, freezes the target resources corresponding to the preselected institution, and records the data, and before obtaining the first record result, further executes:

[0147] detecting whether a value required by the usage application exceeds a value of the first transaction data;

[0148] The processor 801 determines the preselected organization according to the use application, freezes the target resources corresponding to the preselected organization, and records the result to obtain a first record. Specifically, the processor 801 performs the following steps:

[0149] When the value required by the use application does not exceed the value of the first transaction data, a preselected organization is determined according to the use application, and target resources corresponding to the preselected organization are frozen and recorded to obtain a first recording result.

[0150] In one embodiment, the processor 801 determines the preselected organization according to the use application, freezes the target resources corresponding to the preselected organization, and records the result to obtain a first record, specifically performing:

[0151] A preselected organization is determined according to preset usage rules and the usage application, and target resources corresponding to the preselected organization are frozen and recorded to obtain a first recording result.

[0152] In one embodiment, the processor 801 performs the checking of the first record result, determines the target organization according to the checking result, and aggregates the target resources corresponding to the target organization to the merchant, specifically performing:

[0153] The first recording result is checked, a target organization is determined according to the checking result, and target resources corresponding to the target organization are aggregated to the merchant and recorded to obtain a second recording result.

[0154] In one embodiment, the processor 801 determines the preselected organization according to the use application, freezes the target resources corresponding to the preselected organization, and records the result to obtain a first record, specifically performing:

[0155] A preselected organization is determined according to the use application, target resources corresponding to the preselected organization are frozen and recorded according to a preset fusion recording rule to obtain a first recording result.

[0156] In an embodiment of the present specification, an application for use of the first transaction data is obtained during the interaction between the user and the merchant, and a pre-selected institution is further determined, the target resources required for the application for use corresponding to the pre-selected institution are frozen and recorded, the record results are further checked, the target institution is determined based on the check results, and the target resources corresponding to the target institution are aggregated to the merchant. In other words, on the one hand, the resource flow required for the application for use is designed to be two-stage, the first stage of the resource flow is used in the online link between the user and the merchant, specifically to freeze the target resources required for the application for use, and the second stage of the resource flow is mainly used in the offline link for checking the record results, specifically to unfreeze the target resources and aggregate them to the merchant, thereby ensuring the accuracy and stability of the asynchronous recording of the institution's transaction data and the capping decision. On the other hand, the process of the institution's transaction data processing is decoupled from the process of the user initiating the application for use and using the transaction data. The online link does not participate in the capping decision of initiating the application for use by means of the pre-selected institution, and the target institution that actually contributes the capital is covered in the offline link, which solves the problem of low real-time performance of transaction data processing and the inability to be applied to the online link.

[0157] Those skilled in the art will appreciate that all or part of the processes in the above-described method embodiments can be implemented by instructing related hardware through a computer program. The program can be stored in a computer-readable storage medium, and when executed, the program can include the processes in the above-described method embodiments. The storage medium can be a magnetic disk, an optical disk, a read-only memory, or a random access memory.

[0158] The above disclosure is only a preferred embodiment of this specification, and certainly cannot be used to limit the scope of rights of this specification. Therefore, equivalent changes made according to the claims of this specification are still within the scope covered by this specification.

Claims

1. A transaction data processing method, the method comprising: Obtaining a use application for the first transaction data during the interaction between the user and the merchant; Determine a pre-selected organization according to the use application, freeze and record the target resource corresponding to the pre-selected organization, and obtain a first record result, wherein the value of the target resource is the value required by the use application; The first record result is checked, a target organization is determined according to the check result, and target resources corresponding to the target organization are aggregated to the merchant.

2. The transaction data processing method according to claim 1, wherein the checking of the first record result, determining the target organization according to the checking result, and aggregating the target resources corresponding to the target organization to the merchant comprises: Checking whether the value required for the use application in the first record result exceeds the value of the second transaction data corresponding to the pre-selected institution; In the case where the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution, determining a target institution different from the pre-selected institution; The target resources corresponding to the target organization are aggregated to the merchant.

3. The transaction data processing method according to claim 2, wherein when the value required by the use application exceeds the value of the second transaction data corresponding to the pre-selected organization, determining a target organization different from the pre-selected organization comprises: When the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected organization, a target organization different from the pre-selected organization is determined, and the target resources corresponding to the pre-selected organization are unfrozen.

4. The transaction data processing method according to claim 2, wherein when the value required by the use application exceeds the value of the second transaction data corresponding to the pre-selected organization, determining a target organization different from the pre-selected organization comprises: When the value required for the use application exceeds the value of the second transaction data corresponding to the pre-selected institution, an institution having an affiliated relationship with the pre-selected institution is determined as the target institution.

5. The transaction data processing method according to claim 2, before the target resources corresponding to the target organization are aggregated to the merchant, further comprising: When the numerical value required for the use application does not exceed the numerical value of the second transaction data corresponding to the pre-selected institution, the pre-selected institution is used as the target institution.

6. The transaction data processing method according to claim 1, after obtaining the use application for the first transaction data in the process of interaction between the user and the merchant, determining the pre-selected institution according to the use application, freezing the target resources corresponding to the pre-selected institution and recording, and before obtaining the first record result, further comprising: detecting whether a value required by the use application exceeds a value of the first transaction data; The determining of the pre-selected institution according to the use application, freezing and recording the target resources corresponding to the pre-selected institution, and obtaining the first recording result includes: When the value required by the use application does not exceed the value of the first transaction data, a pre-selected organization is determined according to the use application, and the target resources corresponding to the pre-selected organization are frozen and recorded to obtain a first recording result.

7. The transaction data processing method according to claim 1, wherein the step of determining a pre-selected organization according to the use application, freezing and recording target resources corresponding to the pre-selected organization, and obtaining a first recording result comprises: A pre-selected organization is determined according to preset usage rules and the usage application, and target resources corresponding to the pre-selected organization are frozen and recorded to obtain a first recording result.

8. The transaction data processing method according to claim 1, wherein the checking of the first record result, determining the target organization according to the checking result, and aggregating the target resources corresponding to the target organization to the merchant comprises: The first recording result is checked, a target organization is determined according to the checking result, and target resources corresponding to the target organization are aggregated to the merchant and recorded to obtain a second recording result.

9. The transaction data processing method according to claim 1, wherein the determining a pre-selected organization according to the use application, freezing and recording target resources corresponding to the pre-selected organization, and obtaining a first recording result comprises: A pre-selected organization is determined according to the use application, target resources corresponding to the pre-selected organization are frozen and recorded according to a preset fusion recording rule to obtain a first recording result.

10. A transaction data processing device, the device comprising: An application acquisition module, used to acquire an application for use of the first transaction data during the interaction between the user and the merchant; A first recording module is used to determine a pre-selected institution according to the use application, freeze the target resource corresponding to the pre-selected institution and record it to obtain a first recording result, wherein the value of the target resource is the value required by the use application; A record checking module is used to check the first record result, determine the target organization according to the checking result, and collect the target resources corresponding to the target organization to the merchant.

11. A computer storage medium storing a plurality of instructions, wherein the instructions are suitable for being loaded by a processor and executing the method steps according to any one of claims 1 to 9.

12. A computer program product, wherein the computer program product stores a plurality of instructions, wherein the instructions are suitable for being loaded by a processor and executing the method steps according to any one of claims 1 to 9.

13. An electronic device, comprising: A processor and a memory; wherein the memory stores a computer program, and the computer program is suitable for being loaded by the processor and executing the method steps as claimed in any one of claims 1 to 9.

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