CN111178858A - Transaction data processing method, device, equipment and storage medium - Google Patents
Transaction data processing method, device, equipment and storage medium Download PDFInfo
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- CN111178858A CN111178858A CN201911417395.4A CN201911417395A CN111178858A CN 111178858 A CN111178858 A CN 111178858A CN 201911417395 A CN201911417395 A CN 201911417395A CN 111178858 A CN111178858 A CN 111178858A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
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Abstract
The embodiment of the specification provides a transaction data processing method, a device, equipment and a storage medium, wherein the transaction data processing method comprises the following steps: receiving a settlement processing request of a target transaction; determining a transaction region attribute of the target transaction; acquiring a settlement priority order corresponding to the transaction region attribute; and processing the settlement processing request according to the settlement priority order. The embodiment of the specification can improve the success rate of transaction data processing and the user experience.
Description
Technical Field
The present disclosure relates to the field of data processing technologies, and in particular, to a method, an apparatus, a device, and a storage medium for processing transaction data.
Background
A multi-currency debit card (hereinafter referred to as a multi-currency card) can be used for transaction settlement in two or more currencies, i.e., in domestic countries, it can be used for transaction settlement in renminbi, and in foreign countries, it can be used for transaction settlement in corresponding national currencies (e.g., in the united states, in U.S. dollars, in japan, in yen). However, in some cases, for example, when settlement of a transaction is performed for a foreign currency, if the account balance of the foreign currency is insufficient, the transaction cannot be performed. Similarly, when the domestic trade settlement is carried out by the RMB, if the balance of the RMB account is insufficient, the trade can not be carried out. Therefore, the transaction data processing success rate of the existing multi-currency card is not high, thereby influencing the user experience.
Disclosure of Invention
An object of an embodiment of the present specification is to provide a transaction data processing method, apparatus, device, and storage medium, so as to improve a success rate of transaction data processing and user experience.
To achieve the above object, in one aspect, an embodiment of the present specification provides a transaction data processing method, including:
receiving a settlement processing request of a target transaction;
determining a transaction region attribute of the target transaction;
acquiring a settlement priority order corresponding to the transaction region attribute;
and processing the settlement processing request according to the settlement priority order.
In another aspect, an embodiment of the present specification further provides a transaction data processing apparatus, including:
the settlement request receiving module is used for receiving a settlement processing request of the target transaction;
the transaction position determining module is used for determining the transaction region attribute of the target transaction;
a settlement order obtaining module for obtaining a settlement priority order corresponding to the transaction region attribute;
and the settlement request processing module is used for processing the settlement processing request according to the settlement priority order.
In another aspect, the embodiments of the present specification further provide a computer device, including a memory, a processor, and a computer program stored on the memory, where the computer program, when executed by the processor, performs the following steps:
receiving a settlement processing request of a target transaction;
determining a transaction region attribute of the target transaction;
acquiring a settlement priority order corresponding to the transaction region attribute;
and processing the settlement processing request according to the settlement priority order.
In another aspect, the embodiments of the present specification further provide a computer storage medium, on which a computer program is stored, and the computer program, when executed by a processor, implements the following steps:
receiving a settlement processing request of a target transaction;
determining a transaction region attribute of the target transaction;
acquiring a settlement priority order corresponding to the transaction region attribute;
and processing the settlement processing request according to the settlement priority order.
As can be seen from the technical solutions provided in the embodiments of the present specification, the settlement priority order reflects the priority order in which the plurality of associated settlement accounts are subjected to transaction settlement. When the account balance of the first order settlement account in the settlement priority order is insufficient, settlement processing can be performed according to the remaining order settlement accounts. Therefore, the embodiment of the specification can greatly improve the success rate of transaction data processing and the user experience.
Drawings
In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort. In the drawings:
FIG. 1 is a block diagram of a transactional data processing system in some embodiments of the present description;
FIG. 2 is a flow diagram illustrating interaction between a card-accepting terminal device and a transaction processing server in some embodiments of the present description;
FIG. 3 is a flow diagram of a transaction data processing method in some embodiments of the present description;
FIG. 4 is a block diagram of the structure of a transaction data processing device in some embodiments of the present description;
FIG. 5 is a block diagram of a computer device in some embodiments of the present description.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.
Referring to fig. 1, a transaction data processing system of some embodiments of the present description may include a card-accepting terminal device and a transaction processing server. The card-receiving terminal device may perform data interaction with the transaction data processing system, that is, the transaction processing server may receive a communication message sent by the card-receiving terminal device and may send the communication message to the card-receiving terminal device. For example, the card-accepting terminal device may initiate a settlement processing request of a target transaction to the transaction processing server. The transaction processing server may receive a settlement processing request of a target transaction; determining a transaction region attribute of the target transaction; acquiring a settlement priority order corresponding to the transaction region attribute; the settlement processing requests are processed according to the settlement priority order, so that a settlement processing result can be obtained.
Since the settlement priority order reflects the priority order in which the plurality of associated settlement accounts are to be transacted for settlement. Therefore, when the account balance of the first order settlement account in the settlement priority order is insufficient (or settlement cannot be performed due to other reasons), the settlement processing can be performed also in accordance with the remaining order settlement accounts. Therefore, the embodiment of the specification can greatly improve the success rate of transaction data processing and the user experience.
In some embodiments of the present description, the card-receiving terminal device may include, but is not limited to, a POS (e.g., a fixed POS, a wireless POS, etc.), a self-service terminal, an ATM, or a smart counter, etc. In some embodiments of the present description, the transaction processing server may be an electronic device with computing and network interaction functions; software that runs in the electronic device and provides business logic for data processing and network interaction is also possible.
In a typical application scenario, when a multi-currency cardholder wishes to conduct a transaction (i.e., a target transaction), it may present the multi-currency card for reading by a card terminal device. When the multi-currency card information is read, the card-receiving terminal device may generate a settlement processing request based on the multi-currency card information and the transaction amount of the transaction, and initiate the settlement processing request to the transaction processing server through a general or dedicated communication network, for example, as shown in fig. 2.
In some embodiments of the present description, the settlement processing request typically includes a plurality of transaction number attribute information (e.g., transaction type, cardholder account number, account type, password, transaction amount, transaction date time, cardholder account number, etc.). One or more transaction attributes may include a transaction region attribute (or be related to the transaction region attribute), and therefore, according to the transaction attribute carried by the settlement processing request, the transaction processing server may determine the transaction region attribute of the target transaction, that is, may determine the transaction occurrence location of the target transaction. For example, in an exemplary embodiment, the transaction occurrence place of the target transaction may be determined according to a Card recipient Location (Card Acceptor Location) attribute carried by the settlement processing request. It should be understood that this is by way of example only. In some other exemplary embodiments of the present description, a transaction occurrence location of a target transaction may also be determined according to a settlement processing request carrying an IP address of a card-receiving terminal device, and an implementation manner of determining a transaction region attribute in the present description is not limited, and may be specifically selected as needed.
In some embodiments of the present disclosure, the settlement priority order corresponding to the transaction region attribute may be configured in advance based on the personalized requirements (transaction processing efficiency, transaction convenience, transaction exchange loss reduction, etc.) of the user. Therefore, the settlement priority orders are more adaptive to the transaction regions, the success rate of transaction data processing, the transaction efficiency and the transaction convenience are further improved, and the user experience is further enhanced. For example, in one exemplary embodiment, a multi-currency card C of a certain card-holding user A has associated with it five accounts: RMB account, USD account, Japanese dollar account, Euro account, and British pound. Depending on the transaction territory, the multi-currency card C may be defined with different settlement priority orders, such as shown in table 1 below:
TABLE 1
| Region of transaction | Serial number | Settlement priority order |
| China (CN) | 001 | RMB account → US D account → Euro account → English pound account → Japanese U D account |
| Japanese (JP) | 002 | Japanese account → RMB account → US dollar account → Euro account → English pound account |
| United states of America(US) | 003 | U.S. dollar account → RMB account → Euro account → English pound account → Japanese account |
| European Union (EU) | 004 | Euro account → RMB account → US dollar account → English pound account → Japanese yuan account |
| England (UK) | 005 | Pound sign account → RMB account → Euro account → US dollar account → Japanese dollar account |
When the transaction region attribute of the target transaction is determined, based on the transaction region attribute of the target transaction, the transaction processing server may match a corresponding settlement priority order from the correspondence table of the transaction region and the settlement priority order, so that the settlement processing request may be processed subsequently according to the matched settlement priority order.
For example, taking table 1 above as an example, when the transaction region of the target transaction is determined to be China (CN), the transaction processing server may first attempt to perform transaction settlement using the rmb account associated with the multi-currency card C, and may attempt to perform transaction settlement using the second-rank dollar account associated with the multi-currency card C when the account balance of the rmb account associated with the multi-currency card C is insufficient (or transaction settlement cannot be performed due to other reasons); when the account balance of the dollar account associated with the multi-currency card C is insufficient (or the transaction settlement cannot be performed due to other reasons), the transaction settlement using the third-rank euro account associated with the multi-currency card C can be further attempted, and the process is repeated.
Those skilled in the art will appreciate that the embodiment shown in table 1 with country as the transaction region attribute is only an example and should not be construed as a limitation to the corresponding transaction region attribute in the present specification. The transaction region attribute in this specification may be defined as needed. For example, in china, since mainland china, taiwan region, hong kong region and australia region all have respective legal currencies, mainland china, taiwan region, hong kong region and australia region may be used as transaction region attributes and configured with corresponding settlement priority orders.
In some embodiments of the present specification, after obtaining the transaction settlement processing result (transaction success or transaction failure), the transaction processing server may generate a settlement response of the target transaction accordingly, and return the settlement response carrying the transaction settlement processing result to the card-receiving terminal device, so that the card-receiving terminal device may output and display the settlement response.
Corresponding to the transaction data processing system, a transaction data processing method is also provided in the embodiment of the specification. The transaction data processing method can be applied to a transaction processing server side. Referring to fig. 3, a transaction data processing method of some embodiments of the present specification may include the steps of:
s301, receiving a settlement processing request of the target transaction.
S302, determining the transaction region attribute of the target transaction.
S303, acquiring a settlement priority sequence corresponding to the transaction region attribute.
S304, processing the settlement processing request according to the settlement priority order.
In the transaction data processing method according to some embodiments of the present specification, the determining a transaction region attribute of the target transaction may include: and determining the transaction region attribute of the target transaction according to the transaction attribute carried by the settlement processing request.
In the transaction data processing method according to some embodiments of the present specification, the obtaining a settlement priority order corresponding to the transaction region attribute may include: and matching a settlement priority sequence corresponding to the transaction region attribute from the region attribute and settlement priority relation table of the payer of the target transaction according to the transaction region attribute.
In the transaction data processing method of some embodiments of the present specification, the transaction attribute may include, but is not limited to, a card-accepting party location or an IP address of a card-accepting terminal device, and the like.
Corresponding to the transaction data processing system, a transaction data processing device is also provided in the embodiments of the present specification, and the transaction data processing device may be configured on a transaction processing server. As shown in fig. 4, the transaction data processing device according to some embodiments of the present specification may include:
a settlement request receiving module 41, configured to receive a settlement processing request of a target transaction;
a transaction location determination module 42, which may be configured to determine a transaction zone attribute of the target transaction;
a settlement order obtaining module 43, configured to obtain a settlement priority order corresponding to the transaction region attribute;
a settlement request processing module 44, configured to process the settlement processing requests according to the settlement priority order.
In the transaction data processing apparatus according to some embodiments of the present specification, the determining the transaction region attribute of the target transaction may include: and determining the transaction region attribute of the target transaction according to the transaction attribute carried by the settlement processing request.
In the transaction data processing apparatus according to some embodiments of the present specification, the obtaining a settlement priority order corresponding to the transaction region attribute may include: and matching a settlement priority sequence corresponding to the transaction region attribute from the region attribute and settlement priority relation table of the payer of the target transaction according to the transaction region attribute.
In the transaction data processing apparatus of some embodiments of the present specification, the transaction attribute may include, but is not limited to, a card-accepting party location and/or an IP address of a card-accepting terminal device, and the like.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.
As shown in fig. 5, the transaction processing server may be a computer device, and the computer device may include a memory, a processor, and a computer program stored in the memory, and when the computer program is executed by the processor, the computer program performs the following steps:
receiving a settlement processing request of a target transaction;
determining a transaction region attribute of the target transaction;
acquiring a settlement priority order corresponding to the transaction region attribute;
and processing the settlement processing request according to the settlement priority order.
While the process flows described above include operations that occur in a particular order, it should be appreciated that the processes may include more or less operations that are performed sequentially or in parallel (e.g., using parallel processors or a multi-threaded environment).
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the apparatus and method embodiments, since they are substantially similar to the system embodiments, the description is relatively simple, and reference may be made to some descriptions of the system embodiments for relevant points.
The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.
Claims (10)
1. A transaction data processing method, comprising:
receiving a settlement processing request of a target transaction;
determining a transaction region attribute of the target transaction;
acquiring a settlement priority order corresponding to the transaction region attribute;
and processing the settlement processing request according to the settlement priority order.
2. The transaction data processing method of claim 1, wherein the determining the transaction zone attribute of the target transaction comprises:
and determining the transaction region attribute of the target transaction according to the transaction attribute carried by the settlement processing request.
3. The transaction data processing method of claim 1, wherein the obtaining a settlement priority order corresponding to the transaction zone attribute comprises:
and matching a settlement priority sequence corresponding to the transaction region attribute from the region attribute and settlement priority relation table of the payer of the target transaction according to the transaction region attribute.
4. The transaction data processing method of claim 2, wherein the transaction attributes include a card-accepting party location.
5. A transaction data processing apparatus, comprising:
the settlement request receiving module is used for receiving a settlement processing request of the target transaction;
the transaction position determining module is used for determining the transaction region attribute of the target transaction;
a settlement order obtaining module for obtaining a settlement priority order corresponding to the transaction region attribute;
and the settlement request processing module is used for processing the settlement processing request according to the settlement priority order.
6. The transaction data processing apparatus of claim 5, wherein the determining the transaction zone attribute of the target transaction comprises:
and determining the transaction region attribute of the target transaction according to the transaction attribute carried by the settlement processing request.
7. The transaction data processing device of claim 5, wherein the obtaining a settlement priority order corresponding to the transaction zone attribute comprises:
and matching a settlement priority sequence corresponding to the transaction region attribute from the region attribute and settlement priority relation table of the payer of the target transaction according to the transaction region attribute.
8. The transaction data processing apparatus of claim 6, wherein the transaction attributes include a card-accepting party location.
9. A computer device comprising a memory, a processor, and a computer program stored on the memory, wherein the computer program when executed by the processor performs the steps of:
receiving a settlement processing request of a target transaction;
determining a transaction region attribute of the target transaction;
acquiring a settlement priority order corresponding to the transaction region attribute;
and processing the settlement processing request according to the settlement priority order.
10. A computer storage medium having a computer program stored thereon, the computer program, when executed by a processor, performing the steps of:
receiving a settlement processing request of a target transaction;
determining a transaction region attribute of the target transaction;
acquiring a settlement priority order corresponding to the transaction region attribute;
and processing the settlement processing request according to the settlement priority order.
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| JP2004086376A (en) * | 2002-08-23 | 2004-03-18 | Policy Research Institute For Land Infrastructure & Transport Mlit | Electronic wallet and currency storage device operation system |
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Application publication date: 20200519 |