CN110378785A - Transaction processing method, device, calculating equipment and the medium executed by server - Google Patents
Transaction processing method, device, calculating equipment and the medium executed by server Download PDFInfo
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- CN110378785A CN110378785A CN201910674201.2A CN201910674201A CN110378785A CN 110378785 A CN110378785 A CN 110378785A CN 201910674201 A CN201910674201 A CN 201910674201A CN 110378785 A CN110378785 A CN 110378785A
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- G—PHYSICS
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
Present disclose provides a kind of transaction processing methods executed by server, comprising: determines target user；Multiple first trading function modules associated with the target user are obtained, the multiple first trading function module has the function of handling multiple transactions demands of the target user；The multiple first trading function module is handled, target transaction functional module is obtained；And multiple transactions demands of the target user are handled based on the target transaction functional module.The disclosure additionally provides a kind of traction processing apparatus, calculates equipment and medium.
Description
Technical field
This disclosure relates to field of computer technology, more particularly to a kind of transaction processing method executed by server, dress
It sets, calculate equipment and medium.
Background technique
The trading function that existing e-bank's channel provides is many kinds of, but for the customization degree of sole user
Very low, user needs to find common trading function in numerous trading functions, reduces the service efficiency and transaction of user
Convenience.For example, different trading functions are independent mutually, closing, if user needs to handle multiple transaction, need by multiple
Process completes multiple transaction, and has unnecessary repetitive operation in multiple processes, cannot achieve primary in a process
Property complete multiple transaction, it is complicated so as to cause operating process in process of exchange, transaction time is longer.
Summary of the invention
An aspect of this disclosure provides a kind of transaction processing method executed by server, comprising: determines that target is used
Family obtains multiple first trading function modules associated with the target user, the multiple first trading function module tool
There is the function for the multiple transactions demands for handling the target user, handles the multiple first trading function module, obtain target
Trading function module handles multiple transactions demands of the target user based on the target transaction functional module.
Optionally, above-mentioned acquisition multiple first trading function modules associated with the target user, comprising: obtain institute
The historical trading data of target user is stated, the historical trading data is based on, determines multiple transactions demands of the target user,
The multiple first trading function module is obtained based on the multiple transactions demand.
Optionally, above-mentioned acquisition multiple first trading function modules associated with the target user, comprising: obtain mesh
The first user property and the first type of transaction of user are marked, is based on first user property and first type of transaction, really
The fixed groups of users to match with the target user, wherein the groups of users includes multiple users, in the multiple user
Each user there is second user attribute and the second type of transaction, the second user attribute and the first user property phase
Matching, second type of transaction match with first type of transaction, and determination is associated with the groups of users multiple
Second trading function module determines the multiple second trading function module as associated with the target user multiple
One trading function module.
Optionally, above-mentioned acquisition multiple first trading function modules associated with the target user, comprising: be described
Target user provides multiple third trading function modules, receives the target user for the multiple third trading function module
Selection operation, be based on the selection operation, determined from the multiple third trading function module it is the multiple first hand over
Easy functional module.
Optionally, the multiple first trading function module of above-mentioned processing, obtains target transaction functional module, comprising: really
Fixed the multiple first trading function module executes sequence, is based on the multiple first trading function of execution sequential processes
Module obtains the target transaction functional module.
Optionally, above-mentioned multiple transactions demands that the target user is handled based on the target transaction functional module, packet
It includes: determining the account resource of the target user, be based on the account resource, successively handle multiple friendships according to the execution sequence
Each transactions demand in easy demand.
Optionally, above-mentioned multiple transactions demands that the target user is handled based on the target transaction functional module, packet
It includes: determining the account resource of the target user, be based on the account resource, determine that at least one of multiple transactions demands are handed over
Easy demand, the account resource are used for the treatment of at least one described transactions demand enough, determine at least one described friendship of processing
Target resource needed for easy demand handles at least one described transactions demand based on the account resource and the target resource.
Another aspect of the disclosure provides a kind of traction processing apparatus, comprising: determining module obtains module, first
Processing module and Second processing module.Wherein it is determined that module determines target user, obtains module and obtain and the target user
Associated multiple first trading function modules, the multiple first trading function module, which has, handles the more of the target user
The function of a transactions demand, the multiple first trading function module of first processing module processing, obtains target transaction function mould
Block, Second processing module handle multiple transactions demands of the target user based on the target transaction functional module.
Another aspect of the present disclosure provides a kind of calculating equipment, comprising: one or more processors；Memory is used for
Store one or more programs, wherein when one or more of programs are executed by one or more of processors, so that
One or more of processors realize method as described above.
Another aspect of the present disclosure provides a kind of non-volatile readable storage medium, is stored with the executable finger of computer
It enables, described instruction is when executed for realizing method as described above.
Another aspect of the present disclosure provides a kind of computer program, and the computer program, which includes that computer is executable, to be referred to
It enables, described instruction is when executed for realizing method as described above.
Detailed description of the invention
In order to which the disclosure and its advantage is more fully understood, referring now to being described below in conjunction with attached drawing, in which:
Fig. 1 diagrammatically illustrates the system tray of transaction processing method and traction processing apparatus according to the embodiment of the present disclosure
Structure；
Fig. 2 diagrammatically illustrates the applied field of transaction processing method and traction processing apparatus according to the embodiment of the present disclosure
Scape；
Fig. 3 diagrammatically illustrates the flow chart of the transaction processing method executed by server according to the embodiment of the present disclosure；
Fig. 4 diagrammatically illustrates the flow chart of the acquisition associated modules according to the first embodiment of the present disclosure；
Fig. 5 diagrammatically illustrates the flow chart of the acquisition associated modules according to the second embodiment of the present disclosure；
Fig. 6 diagrammatically illustrates the flow chart of the acquisition associated modules according to the third embodiment of the present disclosure；
Fig. 7 diagrammatically illustrates the flow chart of the processing transactions demand according to the first embodiment of the present disclosure；
Fig. 8 diagrammatically illustrates the flow chart of the processing transactions demand according to the second embodiment of the present disclosure；
Fig. 9 diagrammatically illustrates the block diagram of the traction processing apparatus according to the embodiment of the present disclosure；
Figure 10 diagrammatically illustrates the block diagram of the acquisition module according to the first embodiment of the present disclosure；
Figure 11 diagrammatically illustrates the block diagram of the acquisition module according to the second embodiment of the present disclosure；
Figure 12 diagrammatically illustrates the block diagram of the acquisition module according to the third embodiment of the present disclosure；
Figure 13 diagrammatically illustrates the block diagram of the Second processing module according to the first embodiment of the present disclosure；
Figure 14 diagrammatically illustrates the block diagram of the Second processing module according to the second embodiment of the present disclosure；And
Figure 15 diagrammatically illustrates the block diagram of the computer system for trading processing according to the embodiment of the present disclosure.
Specific embodiment
Hereinafter, will be described with reference to the accompanying drawings embodiment of the disclosure.However, it should be understood that these descriptions are only exemplary
, and it is not intended to limit the scope of the present disclosure.In the following detailed description, to elaborate many specific thin convenient for explaining
Section is to provide the comprehensive understanding to the embodiment of the present disclosure.It may be evident, however, that one or more embodiments are not having these specific thin
It can also be carried out in the case where section.In addition, in the following description, descriptions of well-known structures and technologies are omitted, to avoid
Unnecessarily obscure the concept of the disclosure.
Term as used herein is not intended to limit the disclosure just for the sake of description specific embodiment.It uses herein
The terms "include", "comprise" etc. show the presence of the feature, step, operation and/or component, but it is not excluded that in the presence of
Or add other one or more features, step, operation or component.
There are all terms (including technical and scientific term) as used herein those skilled in the art to be generally understood
Meaning, unless otherwise defined.It should be noted that term used herein should be interpreted that with consistent with the context of this specification
Meaning, without that should be explained with idealization or excessively mechanical mode.
It, in general should be according to this using statement as " at least one in A, B and C etc. " is similar to
Field technical staff is generally understood the meaning of the statement to make an explanation (for example, " system at least one in A, B and C "
Should include but is not limited to individually with A, individually with B, individually with C, with A and B, with A and C, have B and C, and/or
System etc. with A, B, C).Using statement as " at least one in A, B or C etc. " is similar to, generally come
Saying be generally understood the meaning of the statement according to those skilled in the art to make an explanation (for example, " having in A, B or C at least
One system " should include but is not limited to individually with A, individually with B, individually with C, with A and B, have A and C, have
B and C, and/or the system with A, B, C etc.).
Shown in the drawings of some block diagrams and/or flow chart.It should be understood that some sides in block diagram and/or flow chart
Frame or combinations thereof can be realized by computer program instructions.These computer program instructions can be supplied to general purpose computer,
The processor of special purpose computer or other programmable control units, so that these instructions can create when executed by this processor
For realizing function/operation device illustrated in these block diagrams and/or flow chart.
Therefore, the technology of the disclosure can be realized in the form of hardware and/or software (including firmware, microcode etc.).Separately
Outside, the technology of the disclosure can take the form of the computer program product on the computer-readable medium for being stored with instruction, should
Computer program product uses for instruction execution system or instruction execution system is combined to use.In the context of the disclosure
In, computer-readable medium, which can be, can include, store, transmitting, propagating or transmitting the arbitrary medium of instruction.For example, calculating
Machine readable medium can include but is not limited to electricity, magnetic, optical, electromagnetic, infrared or semiconductor system, device, device or propagation medium.
The specific example of computer-readable medium includes: magnetic memory apparatus, such as tape or hard disk (HDD)；Light storage device, such as CD
(CD-ROM)；Memory, such as random access memory (RAM) or flash memory；And/or wire/wireless communication link.
Embodiment of the disclosure provides a kind of transaction processing method executed by server, this method comprises: determining mesh
User is marked, multiple first trading function modules associated with target user are obtained, multiple first trading function modules have place
The function of multiple transactions demands of target user is managed, multiple first trading function modules is handled, obtains target transaction functional module,
Multiple transactions demands based on target transaction functional module processing target user.
Fig. 1 diagrammatically illustrates the system tray of transaction processing method and traction processing apparatus according to the embodiment of the present disclosure
Structure.It should be noted that being only the example that can apply the system architecture of the embodiment of the present disclosure shown in Fig. 1, to help this field
Technical staff understands the technology contents of the disclosure, but be not meant to the embodiment of the present disclosure may not be usable for other equipment, system,
Environment or scene.
As shown in Figure 1, system architecture 100 may include terminal device 101,102,103, network according to this embodiment
104 and server 105.Network 104 between terminal device 101,102,103 and server 105 to provide communication link
Medium.Network 104 may include various connection types, such as wired, wireless communication link or fiber optic cables etc..
User can be used terminal device 101,102,103 and be interacted by network 104 with server 105, to receive or send out
Send message etc..Various telecommunication customer end applications, such as the application of shopping class, net can be installed on terminal device 101,102,103
(merely illustrative) such as the application of page browsing device, searching class application, instant messaging tools, mailbox client, social platform softwares.
Terminal device 101,102,103 can be the various electronic equipments with display screen and supported web page browsing, packet
Include but be not limited to smart phone, tablet computer, pocket computer on knee and desktop computer etc..
Server 105 can be to provide the server of various services, such as utilize terminal device 101,102,103 to user
The website browsed provides the back-stage management server (merely illustrative) supported.Back-stage management server can be to the use received
The data such as family request analyze etc. processing, and by processing result (such as according to user's request or the webpage of generation, believe
Breath or data etc.) feed back to terminal device.
It should be noted that transaction processing method provided by the embodiment of the present disclosure can generally be executed by server 105.
Correspondingly, traction processing apparatus provided by the embodiment of the present disclosure generally can be set in server 105.The embodiment of the present disclosure
Provided transaction processing method can also by be different from server 105 and can with terminal device 101,102,103 and/or clothes
The server or server cluster that business device 105 communicates execute.Correspondingly, traction processing apparatus provided by the embodiment of the present disclosure
It can be set in the service that is different from server 105 and can be communicated with terminal device 101,102,103 and/or server 105
In device or server cluster.
It should be understood that the number of terminal device, network and server in Fig. 1 is only schematical.According to realization need
It wants, can have any number of terminal device, network and server.
Fig. 2 diagrammatically illustrates the applied field of transaction processing method and traction processing apparatus according to the embodiment of the present disclosure
Scape.It should be noted that being only the example that can apply the scene of the embodiment of the present disclosure shown in Fig. 2, to help art technology
Personnel understand the technology contents of the disclosure, but are not meant to that the embodiment of the present disclosure may not be usable for other equipment, system, environment
Or scene.
As shown in Fig. 2, the application scenarios 200 for example may include terminal device 210, which for example can be with
It is terminal device 101,102,103 as shown in Figure 1.
It is mobile phone citing with terminal device 210 according to the embodiment of the present disclosure, user can handle on terminal device 210
The multi-exchanges business such as transaction business, such as user can handle credit card repayment, housing loan is refunded, communication expense payment.Its
In, every kind of transaction business is corresponding with trading function module, as shown in Fig. 2 left figure, such as the refund of credit card repayment, housing loan,
The transaction business such as communication expense payment are corresponding with credit card repayment module 221, housing loan refund module 222, communication expense payment mould
Block 223 etc..
According to the embodiment of the present disclosure, the corresponding multiple trading function modules of multi-exchange business can be packaged to be formed
Transaction combination 220, by run the transaction combination 220 can the multiple trading function modules of automatic running, done convenient for one key of user
Manage multi-exchange business.
For example, when multi-exchanges business such as user needs to handle credit card repayment, housing loan is refunded, communication expense payments
When, terminal device 210 provides transaction combination 220 for user, and user, which need to only click ACK button, can disposably handle multiple friendships
Easy business repeats to turn back between multiple transaction business, simplifies the operating process that user handles transaction business, mention without user
High trading efficiency.As shown in Fig. 2 right figure, when user disposably handles multiple transaction business by transaction combination 220, such as
Total amount needed for multiple transaction business can be generated, and generated based on total amount and determine information of withholing, it will determine information of withholing
It is sent to user's confirmation, can disposably be withholdd after user's confirmation.
Below with reference to the system architecture of Fig. 1 and the application scenarios of Fig. 2, described with reference to Fig. 3~Fig. 8 according to disclosure example
The transaction processing method of property embodiment.It should be noted that above-mentioned application scenarios are merely for convenience of understanding the essence of the disclosure
Mind and principle and show, embodiment of the present disclosure is unrestricted in this regard.On the contrary, embodiment of the present disclosure can be with
Applied to applicable any scene.
Fig. 3 diagrammatically illustrates the flow chart of the transaction processing method executed by server according to the embodiment of the present disclosure.
As shown in figure 3, this method includes operation S310~S340.
In operation S310, target user is determined.According to the embodiment of the present disclosure, target user is, for example, that using terminal is needed to set
The standby user that transaction business is handled by e-bank's channel.
In operation S320, multiple first trading function modules associated with target user, multiple first transaction function are obtained
Energy module has the function of multiple transactions demands of processing target user.
According to the embodiment of the present disclosure, multiple first trading function modules associated with target user for example can be and mesh
Mark the corresponding trading function module of multiple transactions demands of user.Such as when target user needs to handle credit card repayment, house
When the transaction business such as loan repayment, communication expense payment, the first trading function module for example can be credit card repayment module, house
Loan repayment module, communication expense payment module etc..
In operation S330, multiple first trading function modules are handled, target transaction functional module is obtained.
It is paid according to the embodiment of the present disclosure, such as when getting credit card repayment module, housing loan refund module, communication expense
It, can be by the multiple first trading function module of the server process being communicatively coupled with terminal device, example after taking module
Series connection processing such as is carried out to multiple first trading function modules, multiple first trading function block coupled in series are formed into transaction combination,
It is combined by the transaction that multiple first trading function block coupled in series are formed Ji Wei target transaction functional module.
In operation S340, multiple transactions demands based on target transaction functional module processing target user.
In the embodiments of the present disclosure, multiple transaction business can be completed by operational objective trading function module in batches.Example
Such as, by performance objective trading function module, credit card repayment can be handled for target user, housing loan is refunded, communication expense
Payment etc. transaction business repeats to turn back between multiple transaction business, simplifies user and handle multiple transaction industry without user
The operating process of business, improves trading efficiency.
Fig. 4 diagrammatically illustrates the flow chart of the acquisition associated modules according to the first embodiment of the present disclosure.
As shown in figure 4, aforesaid operations S320 includes operation S321a~S323a.
In operation S321a, the historical trading data of target user is obtained.
According to the embodiment of the present disclosure, the historical trading data of target user can reflect the habit of transaction of user, such as go through
History transaction data may include the data that target user periodically handles multi-exchange business by e-bank's channel.
In operation S322a, it is based on historical trading data, determines multiple transactions demands of target user.
For example, by historical trading data it can be seen that target user's the end of month every month can handle letter by e-bank's channel
With card refund, housing loan refund, communication expense payment etc. transaction business, since target user requires to handle credit card every month
The transaction business such as refund, housing loan are refunded, communication expense is paid the fees, it can be learnt that target user borrows for credit card repayment, house
The demand for the transaction business such as money is refunded, communication expense is paid the fees is periodic.It therefore, can be by credit card repayment, housing loan also
Multiple transactions demands as target user such as money, communication expense payment.
In operation S323a, multiple first trading function modules are obtained based on multiple transactions demands.For example, being based on credit card
Multiple transactions demands such as refund, housing loan are refunded, communication expense is paid the fees obtain corresponding multiple first trading function modules,
Such as obtain credit card repayment module, housing loan refund module, communication expense payment module etc..
The embodiment of the present disclosure can be handled to obtain making for target user by the historical trading data to target user
With habit and operation note, and recommend common transaction combination for target user, realizes and fast and accurately position target surely
The transactions demand of user.
Fig. 5 diagrammatically illustrates the flow chart of the acquisition associated modules according to the second embodiment of the present disclosure.
As shown in figure 5, aforesaid operations S320 further includes operation S321b~S324b.
In operation S321b, the first user property and the first type of transaction of target user are obtained.
According to the embodiment of the present disclosure, gender of first user property for example including target user, age etc., the first transaction
The transaction business type frequently handled of the type for example including target user, Asset Type of user etc..
In operation S322b, it is based on the first user property and the first type of transaction, the determining user to match with target user
Group, wherein groups of users includes multiple users, and each user in multiple users has second user attribute and the second transaction
Type, second user attribute match with the first user property, and the second type of transaction matches with the first type of transaction.
In the embodiments of the present disclosure, due to the first user property of target user and the first type of transaction respectively with user group
The second user attribute of user and the second type of transaction match in group, therefore can determine transactions demand and the user of target user
The transactions demand correlation of user is larger in group, it is possible thereby to determine that the transactions demand of user in groups of users is that target is used
The transactions demand at family.
In operation S323b, multiple second trading function modules associated with groups of users are determined.
According to the user in the embodiment of the present disclosure, such as groups of users often handle credit card repayment, housing loan refund,
The transaction business such as communication expense payment, i.e., multiple second trading function modules associated with the groups of users are for example including credit card
Refund module, housing loan refund module, communication expense payment module etc..
In operation S324b, determine that multiple second trading function modules are handed over as associated with target user multiple first
Easy functional module.For example, credit card repayment module associated with groups of users, housing loan refund module, communication expense are paid
Take multiple first trading function modules as target user such as module.
The embodiment of the present disclosure can be by determining the user property and type of transaction of target user, and recommends for target user
Similar users group commonly trades combination, realizes the transactions demand for fast and accurately positioning target user surely.
Fig. 6 diagrammatically illustrates the flow chart of the acquisition associated modules according to the third embodiment of the present disclosure.
As shown in fig. 6, aforesaid operations S320 further includes operation S321c~S323c.
In operation S321c, multiple third trading function modules are provided for target user.
For example, can be set by terminal when user's using terminal equipment handles transaction business by e-bank's channel
Standby transaction interface provides multiple third trading function modules for user, and for example, user provides credit card repayment module, house
Loan repayment module, communication expense payment module, purchase finance product module, module etc. of transferring accounts.
In operation S322c, the selection operation that target user is directed to multiple third trading function modules is received.
In the embodiments of the present disclosure, target user can be for the multiple third trading function moulds being shown in transaction interface
Block executes selection operation, such as user can select credit card repayment module, house to borrow from multiple third trading function modules
Money refund module, communication expense payment module etc..
In operation S323c, it is based on selection operation, multiple first transaction function are determined from multiple third trading function modules
It can module.
It according to the embodiment of the present disclosure, operates according to the user's choice, can determine the targeted credit card of selection operation also
Money module, housing loan refund module, communication expense payment module etc. are as multiple first trading function modules needed for user.
This public affairs embodiment provides required trading function module for user based on the selection operation of user, so that user is from institute
Required module, and the selected multiple friendships of automatic series operation user are freely configured and combined in the trading function module of offer
Easy functional module thus avoids user and needs to repeat to fill in friendship on the transaction interface of terminal device when carrying out multiple transaction
Easy information.The technical solution of the embodiment of the present disclosure can also reduce the repetition carried out between terminal device and bank's background server
Checking process, dramatically saves the transaction time of user, and reduces the interaction pressure of bank server, from user and bank
Two aspects of system improve the efficiency of transaction on the whole.Secondly, the embodiment of the present disclosure can provide customization function, Yong Huke
To be combined common trading function module according to the actual demand of oneself, the need of user individual and displaying are met
It asks.
According to the embodiment of the present disclosure, aforesaid operations S330 is specifically included: determining the execution of multiple first trading function modules
Sequentially, based on the multiple first trading function modules of sequential processes are executed, target transaction functional module is obtained.
According to the embodiment of the present disclosure, when multiple first trading function block combiners are formed target transaction functional module,
Multiple first trading function modules can be defined and execute sequence in target transaction functional module.For example, working as by credit card also
When money module, housing loan refund module, communication expense payment block combiner form target transaction functional module, execution can be defined
Sequentially are as follows: credit card repayment module, housing loan refund module, communication expense payment module, to realize in performance objective transaction function
When energy module, it is first determined execute credit card repayment transaction, then determine and execute housing loan refund, finally determine and execute communication expense
Payment.
Fig. 7 diagrammatically illustrates the flow chart of the processing transactions demand according to the first embodiment of the present disclosure.
As shown in fig. 7, aforesaid operations S340 includes operation S341a~S342a.
In operation S341a, the account resource of target user is determined.
According to the embodiment of the present disclosure, the account resource of target user is, for example, the account balance of user.According to target user
Account balance can determine multiple transaction of the whether enough payment targets users of the remaining sum.
In operation S342a, it is based on account resource, each transaction in multiple transactions demands is successively handled according to execution sequence
Demand.
For example, when the account balance of target user pays credit card repayment enough, housing loan is refunded, communication expense payment
When, by the multiple transactions demands of performance objective trading function resume module for example including credit card repayment is first carried out, withholing
Before can send confirmation to target user and withhold information, complete to withhold after target user's confirmation, and continue to execute house and borrow
Money is refunded, and can be sent to target user before withholing and be confirmed information of withholing, and completes to withhold after target user's confirmation, finally
Communication expense payment is executed, can be sent to target user before withholing and confirm information of withholing, is completed after target user's confirmation
It withholds.
Such as when the account balance of target user not enough pays credit card repayment, housing loan is refunded, communication expense is paid the fees,
It, can before withholing by the multiple transactions demands of performance objective trading function resume module for example including credit card repayment is first carried out
Information of withholing is confirmed to send to target user, completes to withhold after target user's confirmation, and continue to execute housing loan also
Money can send to target user before withholing and confirm information of withholing, and complete to withhold after target user's confirmation, last remaining
When the amount of money not enough pays communication expense payment, then transaction is terminated.
Fig. 8 diagrammatically illustrates the flow chart of the processing transactions demand according to the second embodiment of the present disclosure.
As shown in figure 8, aforesaid operations S340 further includes operation S341b~S344b.
In operation S341b, the account resource of target user is determined.Such as determine the no enough branch of account balance of target user
Pay multiple transaction of target user.
In operation S342b, it is based on account resource, determines at least one transactions demand in multiple transactions demands, account money
Source is used for the treatment of at least one transactions demand enough.
For example, successively calling credit card repayment module, housing loan refund module, communication expense payment mould based on account balance
Block.When account balance pays credit card repayment enough, determines and call credit card repayment module (not yet withholing at this time), continue to sentence
Breaking, enough the account balance after paying credit card repayment whether refund by payment housing loan, if enough, determining and calling house
Loan repayment module (is not yet withholdd) at this time, and continues to judge the account after payment credit card repayment and payment housing loan are refunded
Enough family remaining sum whether pay the fees by payment communication expense, if not enough, never calling communication expense payment module.
In operation S343b, target resource needed for handling at least one transactions demand is determined.
For example, target resource is total amount needed for credit card repayment and housing loan refund, by summarizing credit card also
Total amount needed for money and housing loan refund, and generated based on total amount and determine information of withholing, it will determine information transmission of withholing
Confirm to target user.
In operation S344b, it is based on account resource and target resource, handles at least one transactions demand.
For example, after receiving user and confirming total amount correct confirmation operation operation of withholing can be carried out, such as once
Property total amount needed for credit card repayment and housing loan are refunded is taken off from account balance.It is appreciated which passes through remittance
Total amount needed for total multiple transaction, and operation of withholing disposably is executed, improve trading efficiency.
Fig. 9 diagrammatically illustrates the block diagram of the traction processing apparatus according to the embodiment of the present disclosure.
As shown in figure 9, traction processing apparatus 900 includes determining module 910, obtains module 920, first processing module 930
And Second processing module 940.
Determining module 910 is determined for target user.According to the embodiment of the present disclosure, determining module 910 for example can be with
The operation S310 described above with reference to Fig. 3 is executed, details are not described herein.
Obtaining module 920 can be used for obtaining multiple first trading function modules associated with target user, Duo Ge
One trading function module has the function of multiple transactions demands of processing target user.According to the embodiment of the present disclosure, module is obtained
920 can for example execute the operation S320 above with reference to Fig. 3 description, and details are not described herein.
First processing module 930 can be used for handling multiple first trading function modules, obtain target transaction functional module.
According to the embodiment of the present disclosure, first processing module 930 can for example execute the operation S330 above with reference to Fig. 3 description, herein not
It repeats again.
Second processing module 940, which can be used for multiple transaction based on target transaction functional module processing target user, to be needed
It asks.According to the embodiment of the present disclosure, Second processing module 940 can for example execute the operation S340 above with reference to Fig. 3 description, herein
It repeats no more.
Figure 10 diagrammatically illustrates the block diagram of the acquisition module according to the first embodiment of the present disclosure.
As shown in Figure 10, module 920 is obtained to include the first acquisition submodule 921a, first determine submodule 922a and the
Two acquisition submodule 923a.
First acquisition submodule 921a can be used for obtaining the historical trading data of target user.Implemented according to the disclosure
Example, the first acquisition submodule 921a can for example execute the operation S321a above with reference to Fig. 4 description, and details are not described herein.
First determines that submodule 922a can be used for determining that multiple transaction of target user are needed based on historical trading data
It asks.According to the embodiment of the present disclosure, first determines that submodule 922a can for example execute the operation S322a above with reference to Fig. 4 description,
Details are not described herein.
Second acquisition submodule 923a can be used for obtaining multiple first trading function modules based on multiple transactions demands.Root
According to the embodiment of the present disclosure, the second acquisition submodule 923a can for example execute the operation S323a above with reference to Fig. 4 description, herein
It repeats no more.
Figure 11 diagrammatically illustrates the block diagram of the acquisition module according to the second embodiment of the present disclosure.
As shown in figure 11, obtaining module 920 includes third acquisition submodule 921b, the second determining submodule 922b, third
Determine that submodule 923b and the 4th determines submodule 924b.
Third acquisition submodule 921b can be used for obtaining the first user property and the first type of transaction of target user.Root
According to the embodiment of the present disclosure, third acquisition submodule 921b can for example execute the operation S321b above with reference to Fig. 5 description, herein
It repeats no more.
Second determines that submodule 922b can be used for based on the first user property and the first type of transaction, determining to use with target
The groups of users that family matches, wherein groups of users includes multiple users, and each user in multiple users has second user
Attribute and the second type of transaction, second user attribute match with the first user property, the second type of transaction and the first transaction class
Type matches.According to the embodiment of the present disclosure, second determines that submodule 922b can for example execute the operation above with reference to Fig. 5 description
S322b, details are not described herein.
Third determines that submodule 923b is determined for multiple second trading function modules associated with groups of users.
According to the embodiment of the present disclosure, third, which determines submodule 923b for example, can execute the operation S323b described above with reference to Fig. 5,
This is repeated no more.
4th determines that submodule 924b is determined for multiple second trading function modules as related to target user
Multiple first trading function modules of connection.According to the embodiment of the present disclosure, the 4th determines that submodule 924b can for example be executed above
With reference to the operation S324b that Fig. 5 is described, details are not described herein.
Figure 12 diagrammatically illustrates the block diagram of the acquisition module according to the third embodiment of the present disclosure.
As shown in figure 12, obtaining module 920 includes providing submodule 921c, receiving submodule 922c and the 5th determining son
Module 923c.
There is provided submodule 921c can be used for providing multiple third trading function modules for target user.According to disclosure reality
Example is applied, the operation S321c described above with reference to Fig. 6 can be executed by providing submodule 921c for example, and details are not described herein.
Receiving submodule 922c can be used for receiving the selection operation that target user is directed to multiple third trading function modules.
According to the embodiment of the present disclosure, receiving submodule 922c can for example execute the operation S322c above with reference to Fig. 6 description, herein not
It repeats again.
5th determines that submodule 923c can be used for determining from multiple third trading function modules based on selection operation
Multiple first trading function modules.According to the embodiment of the present disclosure, the 5th determine submodule 923c can for example execute above with reference to
The operation S323c of Fig. 6 description, details are not described herein.
Figure 13 diagrammatically illustrates the block diagram of the Second processing module according to the first embodiment of the present disclosure.
As shown in figure 13, Second processing module 940 includes the 6th determining processing of submodule 941a and first submodule
942a。
6th determines that submodule 941a is determined for the account resource of target user.According to the embodiment of the present disclosure,
Six determine that submodule 941a can for example execute the operation S341a above with reference to Fig. 7 description, and details are not described herein.
First processing submodule 942a can be used for based on account resource, and successively handling multiple transaction according to execution sequence needs
Each transactions demand in asking.According to the embodiment of the present disclosure, the first processing submodule 942a can for example be executed above with reference to Fig. 7
The operation S342a of description, details are not described herein.
Figure 14 diagrammatically illustrates the block diagram of the Second processing module according to the second embodiment of the present disclosure.
As shown in figure 14, Second processing module 940 include the 7th determine submodule 941b, the 8th determine submodule 942b,
9th determines submodule 943b and second processing submodule 944b.
7th determines that submodule 941b is determined for the account resource of target user.Such as determine the account of target user
Multiple transaction of the no enough payment targets users of family remaining sum.According to the embodiment of the present disclosure, the 7th determines that submodule 941b for example may be used
To execute the operation S341b described above with reference to Fig. 8, details are not described herein.
8th determines that submodule 942b can be used for determining that at least one of multiple transactions demands are handed over based on account resource
Easy demand, account resource are used for the treatment of at least one transactions demand enough.Submodule is determined according to the embodiment of the present disclosure, the 8th
942b can for example execute the operation S342b above with reference to Fig. 8 description, and details are not described herein.
9th determines that submodule 943b is determined for target resource needed for handling at least one transactions demand.According to
The embodiment of the present disclosure, the 9th determines that submodule 943b can for example execute the operation S343b above with reference to Fig. 8 description, herein not
It repeats again.
Second processing submodule 944b can be used for based on account resource and target resource, and handling at least one transaction needs
It asks.According to the embodiment of the present disclosure, second processing submodule 944b can for example execute the operation S344b above with reference to Fig. 8 description,
Details are not described herein.
It is module according to an embodiment of the present disclosure, submodule, unit, any number of or in which any more in subelement
A at least partly function can be realized in a module.It is single according to the module of the embodiment of the present disclosure, submodule, unit, son
Any one or more in member can be split into multiple modules to realize.According to the module of the embodiment of the present disclosure, submodule,
Any one or more in unit, subelement can at least be implemented partly as hardware circuit, such as field programmable gate
Array (FPGA), programmable logic array (PLA), system on chip, the system on substrate, the system in encapsulation, dedicated integrated electricity
Road (ASIC), or can be by the hardware or firmware for any other rational method for integrate or encapsulate to circuit come real
Show, or with any one in three kinds of software, hardware and firmware implementations or with wherein any several appropriately combined next reality
It is existing.Alternatively, can be at least by part according to one or more of the module of the embodiment of the present disclosure, submodule, unit, subelement
Ground is embodied as computer program module, when the computer program module is run, can execute corresponding function.
For example, determining module 910, acquisition module 920, first processing module 930, Second processing module 940, first obtain
Submodule 921a, first determine that submodule 922a, the second acquisition submodule 923a, third acquisition submodule 921b, second determine
Submodule 922b, third determine that submodule 923b, the 4th determine submodule 924b, provide submodule 921c, receiving submodule
922c, the 5th determine that submodule 923c, the 6th determine that submodule 941a, the first processing submodule 942a, the 7th determine submodule
941b, the 8th determine submodule 942b, the 9th determine submodule 943b and second processing submodule 944b in it is any number of
It may be incorporated in a module and realize or any one module therein can be split into multiple modules.Alternatively, these
At least partly function of one or more modules in module can be combined at least partly function of other modules, and one
It is realized in a module.In accordance with an embodiment of the present disclosure, determining module 910, acquisition module 920, first processing module 930, second
Processing module 940, the first acquisition submodule 921a, first determine that submodule 922a, the second acquisition submodule 923a, third obtain
Submodule 921b, second determine that submodule 922b, third determine that submodule 923b, the 4th determine submodule 924b, provide submodule
Block 921c, receiving submodule 922c, the 5th determine that submodule 923c, the 6th determine submodule 941a, the first processing submodule
942a, the 7th determine that submodule 941b, the 8th determine that submodule 942b, the 9th determine submodule 943b and second processing submodule
At least one of block 944b can at least be implemented partly as hardware circuit, such as field programmable gate array (FPGA),
Programmable logic array (PLA), system on chip, the system on substrate, the system in encapsulation, specific integrated circuit (ASIC), or
Can be realized by carrying out the hardware such as any other rational method that is integrated or encapsulating or firmware to circuit, or with software,
Any one in three kinds of implementations of hardware and firmware several appropriately combined is realized with wherein any.Alternatively, determining
Module 910 obtains module 920, first processing module 930, Second processing module 940, the first acquisition submodule 921a, first really
Stator modules 922a, the second acquisition submodule 923a, third acquisition submodule 921b, second determine that submodule 922b, third are true
Stator modules 923b, the 4th determine submodule 924b, provide submodule 921c, receiving submodule 922c, the 5th determining submodule
923c, the 6th determine that submodule 941a, the first processing submodule 942a, the 7th determine that submodule 941b, the 8th determine submodule
942b, the 9th determine that at least one of submodule 943b and second processing submodule 944b can be at least at least partially implemented
Corresponding function can be executed when the computer program module is run for computer program module.
Figure 15 diagrammatically illustrates the block diagram of the computer system for trading processing according to the embodiment of the present disclosure.Figure
Computer system shown in 15 is only an example, should not function to the embodiment of the present disclosure and use scope bring any limit
System.
As shown in figure 15, computer system 1500 includes processor 1501, computer readable storage medium 1502.The system
1500 can execute the method according to the embodiment of the present disclosure.
Specifically, processor 1501 for example may include general purpose microprocessor, instruction set processor and/or related chip group
And/or special microprocessor (for example, specific integrated circuit (ASIC)), etc..Processor 1501 can also include for caching
The onboard storage device of purposes.Processor 1501 can be the different movements for executing the method flow according to the embodiment of the present disclosure
Single treatment unit either multiple processing units.
Computer readable storage medium 1502, for example, can be can include, store, transmitting, propagating or transmitting instruction
Arbitrary medium.For example, readable storage medium storing program for executing can include but is not limited to electricity, magnetic, optical, electromagnetic, infrared or semiconductor system, dress
It sets, device or propagation medium.The specific example of readable storage medium storing program for executing includes: magnetic memory apparatus, such as tape or hard disk (HDD)；Light
Storage device, such as CD (CD-ROM)；Memory, such as random access memory (RAM) or flash memory；And/or wire/wireless communication
Link.
Computer readable storage medium 1502 may include computer program 1503, which may include
Code/computer executable instructions executes processor 1501 and is implemented according to the disclosure
The method or its any deformation of example.
Computer program 1503 can be configured to have the computer program code for example including computer program module.Example
Such as, in the exemplary embodiment, the code in computer program 1503 may include one or more program modules, for example including
1503A, module 1503B ....It should be noted that the division mode and number of module are not fixed, those skilled in the art
It can be combined according to the actual situation using suitable program module or program module, when these program modules are combined by processor
When 1501 execution, processor 1501 is executed according to the method for the embodiment of the present disclosure or its any deformation.
In accordance with an embodiment of the present disclosure, determining module 910, acquisition module 920, first processing module 930, second processing mould
Block 940, the first acquisition submodule 921a, first determine submodule 922a, the second acquisition submodule 923a, third acquisition submodule
921b, second determine submodule 922b, third determine submodule 923b, the 4th determine submodule 924b, provide submodule 921c,
Receiving submodule 922c, the 5th determine that submodule 923c, the 6th determine submodule 941a, the first processing submodule 942a, the 7th
Determine that submodule 941b, the 8th determine that submodule 942b, the 9th determine in submodule 943b and second processing submodule 944b
At least one can be implemented as computer program module with reference to Figure 15 description can be with when being executed by processor 1501
Realize corresponding operating described above.
The disclosure additionally provides a kind of computer-readable medium, which, which can be in above-described embodiment, retouches
Included in the equipment/device/system stated；It is also possible to individualism, and without in the supplying equipment/device/system.On
It states computer-readable medium and carries one or more program, when said one or multiple programs are performed, in realization
State method.
In accordance with an embodiment of the present disclosure, computer-readable medium can be computer-readable signal media or computer can
Read storage medium either the two any combination.Computer readable storage medium for example can be --- but it is unlimited
In system, device or the device of --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor, or any above combination.It calculates
The more specific example of machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, portable of one or more conducting wires
Formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable programmable read only memory
(EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device or
The above-mentioned any appropriate combination of person.
It will be understood by those skilled in the art that the feature recorded in each embodiment and/or claim of the disclosure can
To carry out multiple combinations and/or combination.Although this public affairs has shown and described referring to the certain exemplary embodiments of the disclosure
It opens, it will be appreciated by those skilled in the art that in the essence of the disclosure limited without departing substantially from the following claims and their equivalents
In the case where mind and range, a variety of changes in form and details can be carried out to the disclosure.Therefore, the scope of the present disclosure is not answered
This is limited to above-described embodiment, but should be not only determined by appended claims, also being equal by appended claims
Object is defined.
Claims (10)
1. a kind of transaction processing method executed by server, comprising:
Determine target user；
Obtain multiple first trading function modules associated with the target user, the multiple first trading function module tool
There is the function for the multiple transactions demands for handling the target user；
The multiple first trading function module is handled, target transaction functional module is obtained；And
Multiple transactions demands of the target user are handled based on the target transaction functional module.
2. according to the method described in claim 1, wherein, the acquisition associated with the target user multiple first is traded
Functional module, comprising:
Obtain the historical trading data of the target user；
Based on the historical trading data, multiple transactions demands of the target user are determined；And
The multiple first trading function module is obtained based on the multiple transactions demand.
3. according to the method described in claim 1, wherein, the acquisition associated with the target user multiple first is traded
Functional module, comprising:
Obtain the first user property and the first type of transaction of target user；
Based on first user property and first type of transaction, the determining user group to match with the target user
Group, wherein the groups of users includes multiple users, and each user in the multiple user has second user attribute and the
Two type of transaction, the second user attribute match with first user property, second type of transaction and described the
One type of transaction matches；
Determine multiple second trading function modules associated with the groups of users；And
Determine the multiple second trading function module as multiple first trading function moulds associated with the target user
Block.
4. according to the method described in claim 1, wherein, the acquisition associated with the target user multiple first is traded
Functional module, comprising:
Multiple third trading function modules are provided for the target user；
Receive the selection operation that the target user is directed to the multiple third trading function module；And
Based on the selection operation, the multiple first trading function mould is determined from the multiple third trading function module
Block.
5. according to the method described in claim 1, wherein, the multiple first trading function module of processing obtains target
Trading function module, comprising:
Determine the multiple first trading function module executes sequence；And
Based on the multiple first trading function module of execution sequential processes, the target transaction functional module is obtained.
6. according to the method described in claim 5, wherein, the target transaction functional module processing target that is based on is used
Multiple transactions demands at family, comprising:
Determine the account resource of the target user；And
Based on the account resource, each transactions demand in multiple transactions demands is successively handled according to the execution sequence.
7. according to the method described in claim 1, wherein, the target transaction functional module processing target that is based on is used
Multiple transactions demands at family, comprising:
Determine the account resource of the target user；
Based on the account resource, at least one transactions demand in multiple transactions demands, account resource quilt enough are determined
For handling at least one described transactions demand；
Determine target resource needed for handling at least one described transactions demand；And
Based on the account resource and the target resource, at least one described transactions demand is handled.
8. a kind of traction processing apparatus, comprising:
Determining module determines target user；
Module is obtained, multiple first trading function modules associated with the target user, the multiple first transaction are obtained
Functional module has the function of handling multiple transactions demands of the target user；
First processing module handles the multiple first trading function module, obtains target transaction functional module；And
Second processing module handles multiple transactions demands of the target user based on the target transaction functional module.
9. a kind of calculating equipment, comprising:
One or more processors；
Memory, for storing one or more programs,
Wherein, when one or more of programs are executed by one or more of processors, so that one or more of
Processor realizes method described in any one of claims 1 to 7.
10. a kind of computer readable storage medium, is stored with computer executable instructions, described instruction is used for reality when executed
Method described in existing any one of claims 1 to 7.
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