CN110378785B

CN110378785B - Transaction processing method, apparatus, computing device and medium executed by server

Info

Publication number: CN110378785B
Application number: CN201910674201.2A
Authority: CN
Inventors: 芦裔; 李众长; 刘志强; 何明川; 戴安妮
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2019-07-24
Filing date: 2019-07-24
Publication date: 2022-07-08
Anticipated expiration: 2039-07-24
Also published as: CN110378785A

Abstract

The present disclosure provides a transaction processing method performed by a server, including: determining a target user; obtaining a plurality of first transaction function modules associated with the target user, the plurality of first transaction function modules having a function of processing a plurality of transaction requirements of the target user; processing the plurality of first transaction function modules to obtain a target transaction function module; and processing a plurality of transaction requirements of the target user based on the target transaction function module. The present disclosure also provides a transaction processing apparatus, a computing device and a medium.

Description

Transaction processing method, apparatus, computing device and medium executed by server

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a transaction processing method and apparatus executed by a server, a computing device, and a medium.

Background

The existing electronic banking channel has various transaction functions, but the customization degree of a single user is very low, and the user needs to find a common transaction function from a plurality of transaction functions, so that the use efficiency and the transaction convenience of the user are reduced. For example, different transaction functions are independent and closed, if a user needs to process multiple transactions, the multiple transactions need to be completed through multiple processes, and the multiple processes have unnecessary repeated operations, which cannot complete multiple transactions in one process at one time, thereby resulting in complex operation processes and long transaction time consumption in the transaction process.

Disclosure of Invention

One aspect of the present disclosure provides a transaction processing method performed by a server, including: determining a target user, acquiring a plurality of first transaction function modules associated with the target user, wherein the plurality of first transaction function modules have a function of processing a plurality of transaction requirements of the target user, processing the plurality of first transaction function modules to obtain a target transaction function module, and processing the plurality of transaction requirements of the target user based on the target transaction function module.

Optionally, the obtaining a plurality of first transaction function modules associated with the target user includes: obtaining historical transaction data of the target user, determining a plurality of transaction requirements of the target user based on the historical transaction data, and obtaining the plurality of first transaction function modules based on the plurality of transaction requirements.

Optionally, the obtaining a plurality of first transaction function modules associated with the target user includes: the method comprises the steps of obtaining a first user attribute and a first transaction type of a target user, determining a user group matched with the target user based on the first user attribute and the first transaction type, wherein the user group comprises a plurality of users, each user in the plurality of users has a second user attribute and a second transaction type, the second user attribute is matched with the first user attribute, the second transaction type is matched with the first transaction type, determining a plurality of second transaction function modules associated with the user group, and determining the plurality of second transaction function modules as a plurality of first transaction function modules associated with the target user.

Optionally, the obtaining a plurality of first transaction function modules associated with the target user includes: providing a plurality of third transaction function modules for the target user, receiving selection operations of the target user aiming at the third transaction function modules, and determining the first transaction function modules from the third transaction function modules based on the selection operations.

Optionally, the processing the plurality of first transaction function modules to obtain the target transaction function module includes: and determining the execution sequence of the plurality of first transaction function modules, and processing the plurality of first transaction function modules based on the execution sequence to obtain the target transaction function module.

Optionally, the processing a plurality of transaction requirements of the target user based on the target transaction function module includes: and determining account resources of the target user, and sequentially processing each transaction requirement in the plurality of transaction requirements according to the execution sequence based on the account resources.

Optionally, the processing a plurality of transaction requirements of the target user based on the target transaction function module includes: determining account resources of the target user, determining at least one transaction requirement of a plurality of transaction requirements based on the account resources, the account resources being sufficient to be used for processing the at least one transaction requirement, determining target resources required for processing the at least one transaction requirement, processing the at least one transaction requirement based on the account resources and the target resources.

Another aspect of the present disclosure provides a transaction processing apparatus including: the device comprises a determining module, an obtaining module, a first processing module and a second processing module. The determining module determines a target user, the obtaining module obtains a plurality of first transaction function modules associated with the target user, the first transaction function modules have a function of processing a plurality of transaction requirements of the target user, the first processing module processes the first transaction function modules to obtain a target transaction function module, and the second processing module processes the transaction requirements of the target user based on the target transaction function module.

Another aspect of the present disclosure provides a computing device comprising: one or more processors; memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method as described above.

Another aspect of the disclosure provides a non-transitory readable storage medium storing computer-executable instructions for implementing the method as described above when executed.

Another aspect of the disclosure provides a computer program comprising computer executable instructions for implementing the method as described above when executed.

Drawings

For a more complete understanding of the present disclosure and the advantages thereof, reference is now made to the following descriptions taken in conjunction with the accompanying drawings, in which:

fig. 1 schematically shows a system architecture of a transaction processing method and a transaction processing device according to an embodiment of the present disclosure;

fig. 2 schematically shows an application scenario of a transaction processing method and a transaction processing apparatus according to an embodiment of the present disclosure;

FIG. 3 schematically shows a flow diagram of a transaction processing method performed by a server according to an embodiment of the present disclosure;

FIG. 4 schematically shows a flow chart of obtaining an association module according to a first embodiment of the present disclosure;

FIG. 5 schematically shows a flow chart of the retrieve correlation module according to a second embodiment of the present disclosure;

FIG. 6 schematically shows a flow chart of a get correlation module according to a third embodiment of the present disclosure;

FIG. 7 schematically shows a flow chart for processing transaction requirements according to a first embodiment of the present disclosure;

FIG. 8 schematically shows a flow chart for processing transaction requirements according to a second embodiment of the present disclosure;

FIG. 9 schematically shows a block diagram of a transaction processing device according to an embodiment of the present disclosure;

FIG. 10 schematically shows a block diagram of an acquisition module according to a first embodiment of the disclosure;

fig. 11 schematically shows a block diagram of an acquisition module according to a second embodiment of the present disclosure;

fig. 12 schematically shows a block diagram of an acquisition module according to a third embodiment of the present disclosure;

FIG. 13 schematically shows a block diagram of a second processing module according to a first embodiment of the disclosure;

fig. 14 schematically shows a block diagram of a second processing module according to a second embodiment of the present disclosure; and

FIG. 15 schematically shows a block diagram of a computer system for transaction processing according to an embodiment of the disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

Some block diagrams and/or flow diagrams are shown in the figures. It will be understood that some blocks of the block diagrams and/or flowchart illustrations, or combinations thereof, 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, or other programmable control apparatus to produce a machine, such that the instructions, which execute via the processor, create means for implementing the functions/acts specified in the block diagrams and/or flowchart block or blocks.

Accordingly, the techniques of this disclosure may be implemented in hardware and/or software (including firmware, microcode, etc.). In addition, the techniques of this disclosure may take the form of a computer program product on a computer-readable medium having instructions stored thereon for use by or in connection with an instruction execution system. In the context of this disclosure, a computer-readable medium may be any medium that can contain, store, communicate, propagate, or transport the instructions. For example, the computer readable medium can include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, device, or propagation medium. Specific examples of the computer readable medium include: magnetic storage devices, such as magnetic tape or Hard Disk Drives (HDDs); optical storage devices, such as compact disks (CD-ROMs); a memory, such as a Random Access Memory (RAM) or a flash memory; and/or wired/wireless communication links.

An embodiment of the present disclosure provides a transaction processing method performed by a server, the method including: the method comprises the steps of determining a target user, obtaining a plurality of first transaction function modules associated with the target user, wherein the first transaction function modules have the function of processing a plurality of transaction requirements of the target user, processing the first transaction function modules to obtain a target transaction function module, and processing the transaction requirements of the target user based on the target transaction function module.

Fig. 1 schematically shows a system architecture of a transaction processing method and a transaction processing apparatus according to an embodiment of the present disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 1, the system architecture 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104 and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The backend management server may analyze and process the received data such as the user request, and feed back a processing result (for example, a web page, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the transaction processing method provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the transaction processing device provided by the embodiments of the present disclosure may be generally disposed in the server 105. The transaction processing method provided by the embodiment of the present disclosure may also be executed by a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the transaction processing apparatus provided in the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Fig. 2 schematically shows an application scenario of a transaction processing method and a transaction processing apparatus according to an embodiment of the present disclosure. It should be noted that fig. 2 is only an example of a scenario in which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, but does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 2, the application scenario 200 may for example comprise a terminal device 210, and the terminal device 210 may for example be the

terminal devices

101, 102, 103 as shown in fig. 1.

According to the embodiment of the present disclosure, taking the terminal device 210 as an example of a mobile phone, the user may handle transaction services on the terminal device 210, for example, the user may handle various transaction services such as credit card repayment, house loan repayment, communication fee payment, and the like. As shown in the left diagram of fig. 2, for example, the transaction services such as credit card repayment, housing loan repayment, and communication fee payment correspond to the credit card repayment module 221, the housing loan repayment module 222, and the communication fee payment module 223.

According to the embodiment of the disclosure, a plurality of transaction function modules corresponding to a plurality of transaction services can be packaged to form a transaction combination 220, and the plurality of transaction function modules can be automatically operated by operating the transaction combination 220, so that a user can conveniently handle the plurality of transaction services by one key.

For example, when the user needs to handle a plurality of transaction services such as credit card repayment, house loan repayment, communication fee payment and the like, the terminal device 210 provides the transaction combination 220 for the user, the user can handle a plurality of transaction services at one time by clicking the confirmation button without repeatedly turning back among the transaction services, the operation flow of handling the transaction services by the user is simplified, and the transaction efficiency is improved. As shown in the right diagram of fig. 2, when the user transacts a plurality of transaction services at one time through the transaction combination 220, for example, a total amount required for the plurality of transaction services may be generated, the determined deduction information may be generated based on the total amount, the determined deduction information may be sent to the user for confirmation, and the deduction may be performed at one time after the user confirms.

A transaction processing method according to an exemplary embodiment of the present disclosure is described below with reference to fig. 3 to 8 in conjunction with the system architecture of fig. 1 and the application scenario of fig. 2. It should be noted that the above application scenarios are merely illustrated for the convenience of understanding the spirit and principles of the present disclosure, and the embodiments of the present disclosure are not limited in this respect. Rather, embodiments of the present disclosure may be applied to any scenario where applicable.

Fig. 3 schematically shows a flow chart of a transaction processing method performed by a server according to an embodiment of the present disclosure.

As shown in fig. 3, the method includes operations S310 to S340.

In operation S310, a target user is determined. According to the embodiment of the disclosure, the target user is, for example, a user who needs to use the terminal device to transact business through an electronic banking channel.

In operation S320, a plurality of first transaction function modules associated with the target user are acquired, the plurality of first transaction function modules having a function of processing a plurality of transaction requirements of the target user.

According to an embodiment of the present disclosure, the plurality of first transaction function modules associated with the target user may be, for example, transaction function modules corresponding to a plurality of transaction requirements of the target user. For example, when the target user needs to transact transaction services such as credit card repayment, house loan repayment, communication fee payment, etc., the first transaction function module may be, for example, a credit card repayment module, a house loan repayment module, a communication fee payment module, etc.

In operation S330, the plurality of first transaction function modules are processed to obtain a target transaction function module.

According to the embodiment of the disclosure, for example, after the credit card repayment module, the housing loan repayment module and the communication fee payment module are obtained, the plurality of first transaction function modules may be processed by a server in communication connection with the terminal device, for example, the plurality of first transaction function modules are connected in series to form a transaction combination, and the transaction combination formed by connecting the plurality of first transaction function modules in series is the target transaction function module.

In operation S340, a plurality of transaction requirements of the target user are processed based on the target transaction function module.

In the embodiment of the disclosure, a plurality of transaction services can be completed in batch by operating the target transaction function module. For example, by executing the target transaction function module, transaction services such as credit card repayment, house loan repayment, communication fee payment and the like can be handled for the target user, the user does not need to repeatedly turn back among a plurality of transaction services, the operation flow of handling the transaction services by the user is simplified, and the transaction efficiency is improved.

Fig. 4 schematically shows a flow chart of the retrieve correlation module according to a first embodiment of the present disclosure.

As shown in FIG. 4, the above operation S320 includes operations S321a to S323 a.

In operation S321a, historical transaction data of the target user is acquired.

According to the embodiment of the disclosure, the historical transaction data of the target user may reflect the transaction habits of the user, for example, the historical transaction data may include data of the target user periodically transacting various transaction businesses through an electronic banking channel.

In operation S322a, a plurality of transaction requirements of the target user are determined based on the historical transaction data.

For example, it can be known from historical transaction data that the target user transacts transaction services such as credit card repayment, house loan repayment, communication fee payment and the like through an electronic banking channel every month and month, and since the target user transacts transaction services such as credit card repayment, house loan repayment, communication fee payment and the like every month, it can be known that the target user's requirements for the transaction services such as credit card repayment, house loan repayment, communication fee payment and the like are periodic. Therefore, the payment of the credit card, the payment of the house loan, the payment of the communication fee, and the like can be used as the plurality of transaction demands of the target user.

In operation S323a, a plurality of first transaction function modules are obtained based on a plurality of transaction requirements. For example, a plurality of first transaction function modules corresponding to a plurality of transaction requirements such as credit card repayment, house loan repayment and communication fee payment are acquired, for example, a credit card repayment module, a house loan repayment module and a communication fee payment module are acquired.

According to the embodiment of the disclosure, the use habits and the operation records of the target user can be obtained by processing the historical transaction data of the target user, and the common transaction combination is recommended for the target user, so that the transaction requirements of the target user can be quickly and accurately positioned.

Fig. 5 schematically shows a flow chart of the retrieve correlation module according to a second embodiment of the present disclosure.

As shown in FIG. 5, the operation S320 further includes operations S321 b-S324 b.

In operation S321b, a first user attribute and a first transaction type of a target user are obtained.

According to an embodiment of the present disclosure, the first user attribute includes, for example, a gender, an age, and the like of the target user, and the first transaction type includes, for example, a frequently transacted transaction business type of the target user, an asset type of the user, and the like.

In operation S322b, a user group matching the target user is determined based on the first user attribute and the first transaction type, wherein the user group includes a plurality of users, each of the plurality of users has a second user attribute matching the first user attribute and a second transaction type matching the first transaction type.

In the embodiment of the disclosure, since the first user attribute and the first transaction type of the target user are respectively matched with the second user attribute and the second transaction type of the users in the user group, it may be determined that the correlation between the transaction demand of the target user and the transaction demand of the users in the user group is relatively large, and thus it may be determined that the transaction demand of the users in the user group is the transaction demand of the target user.

In operation S323b, a plurality of second transaction function modules associated with the user group are determined.

According to the embodiment of the disclosure, for example, users in a user group often transact transaction services such as credit card repayment, house loan repayment, communication fee payment, and the like, that is, the plurality of second transaction function modules associated with the user group include, for example, a credit card repayment module, a house loan repayment module, a communication fee payment module, and the like.

In operation S324b, a plurality of second transaction function modules are determined as a plurality of first transaction function modules associated with the target user. For example, a credit card repayment module, a housing loan repayment module, a communication fee payment module, and the like associated with the user group are used as the plurality of first transaction function modules of the target user.

The embodiment of the disclosure can quickly and accurately position the transaction requirements of the target user by determining the user attributes and the transaction types of the target user and recommending the transaction combinations commonly used by similar user groups for the target user.

Fig. 6 schematically shows a flow chart of the retrieve correlation module according to a third embodiment of the present disclosure.

As shown in FIG. 6, the above operations S320 further include operations S321c through S323 c.

In operation S321c, a plurality of third transaction function modules are provided for the target user.

For example, when a user transacts business through an electronic banking channel using a terminal device, a plurality of third transaction function modules may be provided to the user through a transaction interface of the terminal device, such as a credit card repayment module, a housing loan repayment module, a communication fee payment module, a purchase financial product module, a transfer module, and the like.

In operation S322c, a selection operation of a target user for a plurality of third transaction function modules is received.

In the embodiment of the disclosure, the target user may perform a selection operation with respect to the plurality of third transaction function modules displayed in the transaction interface, for example, the user may select a credit card repayment module, a housing loan repayment module, a communication fee payment module, and the like from the plurality of third transaction function modules.

In operation S323c, a plurality of first transaction function modules are determined from the plurality of third transaction function modules based on the selection operation.

According to the embodiment of the disclosure, according to the selection operation of the user, a credit card repayment module, a house loan repayment module, a communication fee payment module and the like for the selection operation can be determined as a plurality of first transaction function modules required by the user.

The transaction function module is provided for the user based on the selection operation of the user, so that the user can freely configure and combine the required modules from the provided transaction function modules, and the transaction function modules selected by the user can be automatically operated in series, thereby avoiding the situation that the user needs to repeatedly fill transaction information on a transaction interface of the terminal equipment when performing multiple transactions. The technical scheme of the embodiment of the disclosure can also reduce repeated verification processes between the terminal device and the bank background server, greatly save transaction time of the user, reduce interaction pressure of the bank server, and integrally improve transaction efficiency from two aspects of the user and the bank system. Secondly, the embodiment of the disclosure can provide customized functions, and the user can combine the common transaction function modules according to the actual requirements of the user, thereby meeting the requirements of the user for individuation and scene.

According to an embodiment of the present disclosure, the operation S330 specifically includes: and determining the execution sequence of the first transaction function modules, and processing the first transaction function modules based on the execution sequence to obtain the target transaction function module.

According to the embodiment of the disclosure, when a plurality of first transaction function modules are combined to form a target transaction function module, an execution sequence of the plurality of first transaction function modules in the target transaction function module may be defined. For example, when the target transaction function module is formed by combining a credit card repayment module, a housing loan repayment module and a communication fee payment module, the execution sequence may be defined as: the system comprises a credit card repayment module, a housing loan repayment module and a communication fee payment module, and is used for firstly determining to execute credit card repayment transaction, then determining to execute housing loan repayment and finally determining to execute communication fee payment when a target transaction function module is executed.

FIG. 7 schematically shows a flow chart for processing transaction requirements according to a first embodiment of the present disclosure.

As shown in FIG. 7, the above operation S340 includes operations S341a to S342 a.

In operation S341a, account resources of the target user are determined.

According to the embodiment of the disclosure, the account resource of the target user is, for example, the account balance of the user. From the account balance of the target user, it may be determined whether the balance is sufficient to pay for multiple transactions of the target user.

In operation S342a, each of the plurality of transactional requirements is processed in turn in execution order based on the account resources.

For example, when the account balance of the target user is sufficient to pay credit card repayment, house loan repayment and communication fee payment, the processing of the plurality of transaction requirements by the target transaction function module includes, for example, first performing credit card repayment, sending a confirmation deduction message to the target user before deduction, completing the deduction after the confirmation of the target user and continuing to perform house loan repayment, sending a confirmation deduction message to the target user before deduction, completing the deduction after the confirmation of the target user, finally performing communication fee payment, sending a confirmation deduction message to the target user before deduction, and completing the deduction after the confirmation of the target user.

For example, when the account balance of the target user is not enough to pay credit card repayment, house loan repayment and communication fee payment, the target transaction execution function module is used for processing a plurality of transaction requirements, for example, the credit card repayment is executed firstly, payment confirmation information can be sent to the target user before payment deduction, the payment is completed after the target user confirms, the house loan repayment is executed continuously, payment confirmation information can be sent to the target user before payment deduction, the payment is completed after the target user confirms, and the transaction is terminated when the residual amount is not enough to pay the communication fee payment.

FIG. 8 schematically shows a flow chart for processing transaction requirements according to a second embodiment of the present disclosure.

As shown in fig. 8, the operation S340 further includes operations S341b to S344 b.

In operation S341b, account resources of the target user are determined. Such as determining whether the account balance of the target user is sufficient to pay for multiple transactions of the target user.

At operation S342b, at least one trade demand of the plurality of trade demands is determined based on the account resources, the account resources being sufficient to be used to process the at least one trade demand.

For example, a credit card repayment module, a house loan repayment module and a communication fee payment module are sequentially called based on account balance. When the account balance is enough to pay the credit card for repayment, determining to call a credit card repayment module (payment is not deducted at the moment), continuously judging whether the account balance is enough to pay the house loan repayment after the credit card repayment is paid, if yes, determining to call the house loan repayment module (payment is not deducted at the moment), continuously judging whether the account balance is enough to pay the communication fee after the credit card repayment and the house loan repayment are paid, and if not, not calling the communication fee paying module.

In operation S343b, a target resource required to process at least one trade demand is determined.

For example, the target resource is the total amount required for repayment of a credit card and repayment of a house loan, and the determined deduction information is sent to the target user for confirmation by summarizing the total amount required for repayment of the credit card and repayment of the house loan and generating the determined deduction information based on the total amount.

In operation S344b, at least one transaction need is processed based on the account resource and the target resource.

For example, after receiving a confirmation operation that the user confirms that the total amount is correct, a deduction operation may be performed, such as deducting the total amount required for repayment of a credit card and repayment of a house loan from the account balance at one time. It can be understood that the mode improves the transaction efficiency by aggregating the total amount required by a plurality of transactions and executing the deduction operation at one time.

Fig. 9 schematically shows a block diagram of a transaction processing device according to an embodiment of the present disclosure.

As shown in fig. 9, the transaction processing device 900 includes a determination module 910, an acquisition module 920, a first processing module 930, and a second processing module 940.

The determination module 910 may be used to determine a target user. According to an embodiment of the present disclosure, the determining module 910 may perform, for example, the operation S310 described above with reference to fig. 3, which is not described herein again.

The obtaining module 920 may be configured to obtain a plurality of first transaction function modules associated with the target user, where the plurality of first transaction function modules have a function of processing a plurality of transaction requirements of the target user. According to the embodiment of the present disclosure, the obtaining module 920 may perform, for example, the operation S320 described above with reference to fig. 3, which is not described herein again.

The first processing module 930 may be configured to process a plurality of first transaction function modules to obtain a target transaction function module. According to the embodiment of the present disclosure, the first processing module 930 may, for example, perform operation S330 described above with reference to fig. 3, which is not described herein again.

The second processing module 940 may be used to process a plurality of transaction requirements of the target user based on the target transaction function module. According to the embodiment of the present disclosure, the second processing module 940 may perform, for example, the operation S340 described above with reference to fig. 3, which is not described herein again.

Fig. 10 schematically shows a block diagram of an acquisition module according to a first embodiment of the present disclosure.

As shown in fig. 10, the obtaining module 920 includes a first obtaining sub-module 921a, a first determining sub-module 922a, and a second obtaining sub-module 923 a.

The first obtaining sub-module 921a may be used to obtain historical transaction data of the target user. According to the embodiment of the present disclosure, the first obtaining sub-module 921a may perform, for example, operation S321a described above with reference to fig. 4, which is not described herein again.

The first determination sub-module 922a may be used to determine a plurality of transaction requirements of the target user based on historical transaction data. According to the embodiment of the present disclosure, the first determining submodule 922a may perform, for example, the operation S322a described above with reference to fig. 4, which is not described herein again.

The second obtaining sub-module 923a may be configured to obtain a plurality of first transaction function modules based on a plurality of transaction requirements. According to the embodiment of the present disclosure, the second obtaining sub-module 923a may perform, for example, operation S323a described above with reference to fig. 4, which is not described herein again.

Fig. 11 schematically shows a block diagram of an acquisition module according to a second embodiment of the present disclosure.

As shown in fig. 11, the obtaining module 920 includes a third obtaining sub-module 921b, a second determining sub-module 922b, a third determining sub-module 923b, and a fourth determining sub-module 924 b.

The third obtaining sub-module 921b may be configured to obtain the first user attribute and the first transaction type of the target user. According to the embodiment of the present disclosure, the third obtaining sub-module 921b may perform, for example, operation S321b described above with reference to fig. 5, which is not described herein again.

The second determining sub-module 922b may be configured to determine a user group matching the target user based on the first user attribute and the first transaction type, where the user group includes a plurality of users, each of the plurality of users has a second user attribute and a second transaction type, the second user attribute matches the first user attribute, and the second transaction type matches the first transaction type. According to the embodiment of the present disclosure, the second determining submodule 922b may perform, for example, the operation S322b described above with reference to fig. 5, which is not described herein again.

The third determining sub-module 923b may be configured to determine a plurality of second transaction function modules associated with the group of users. According to the embodiment of the present disclosure, the third determining sub-module 923b may perform, for example, operation S323b described above with reference to fig. 5, which is not described herein again.

The fourth determination submodule 924b may be configured to determine the plurality of second transaction function modules as the plurality of first transaction function modules associated with the target user. According to the embodiment of the present disclosure, the fourth determining submodule 924b may perform, for example, the operation S324b described above with reference to fig. 5, which is not described herein again.

Fig. 12 schematically shows a block diagram of an acquisition module according to a third embodiment of the present disclosure.

As shown in fig. 12, the obtaining module 920 includes a providing sub-module 921c, a receiving sub-module 922c, and a fifth determining sub-module 923 c.

The providing sub-module 921c may be used to provide a plurality of third transaction function modules for the target user. According to the embodiment of the present disclosure, the providing sub-module 921c may perform, for example, operation S321c described above with reference to fig. 6, which is not described herein again.

The receiving submodule 922c may be configured to receive selection operations of the target user for the plurality of third transaction function modules. According to the embodiment of the present disclosure, the receiving submodule 922c may perform, for example, the operation S322c described above with reference to fig. 6, which is not described herein again.

The fifth determining sub-module 923c may be configured to determine a plurality of first transaction function modules from the plurality of third transaction function modules based on the selection operation. According to the embodiment of the present disclosure, the fifth determining submodule 923c may perform, for example, operation S323c described above with reference to fig. 6, which is not described herein again.

Fig. 13 schematically shows a block diagram of a second processing module according to a first embodiment of the disclosure.

As shown in fig. 13, the second processing module 940 includes a sixth determination sub-module 941a and a first processing sub-module 942 a.

The sixth determining sub-module 941a may be used to determine account resources of a target user. According to an embodiment of the present disclosure, the sixth determining sub-module 941a may perform, for example, operation S341a described above with reference to fig. 7, and is not described herein again.

The first processing sub-module 942a may be configured to sequentially process each of the plurality of transaction requirements in an execution order based on the account resources. According to the embodiment of the present disclosure, the first processing sub-module 942a may, for example, perform the operation S342a described above with reference to fig. 7, which is not described herein again.

Fig. 14 schematically shows a block diagram of a second processing module according to a second embodiment of the disclosure.

As shown in fig. 14, the second processing module 940 includes a seventh determination sub-module 941b, an eighth determination sub-module 942b, a ninth determination sub-module 943b, and a second processing sub-module 944 b.

The seventh determining sub-module 941b may be used to determine account resources of the target user. Such as determining whether the account balance of the target user is sufficient to pay for multiple transactions of the target user. According to the embodiment of the present disclosure, the seventh determining sub-module 941b may perform, for example, operation S341b described above with reference to fig. 8, and is not described herein again.

The eighth determining sub-module 942b may be configured to determine at least one trade requirement of the plurality of trade requirements based on account resources sufficient to be used for processing the at least one trade requirement. According to the embodiment of the present disclosure, the eighth determining sub-module 942b may, for example, perform the operation S342b described above with reference to fig. 8, which is not described herein again.

The ninth determination sub-module 943b may be used to determine the target resources needed to process the at least one trade request. According to the embodiment of the present disclosure, the ninth determining sub-module 943b may perform, for example, the operation S343b described above with reference to fig. 8, which is not described herein again.

A second processing sub-module 944b may be configured to process at least one transaction requirement based on the account resources and the target resources. According to an embodiment of the present disclosure, the second processing submodule 944b may perform, for example, the operation S344b described above with reference to fig. 8, which is not described herein again.

Any number of modules, sub-modules, units, sub-units, or at least part of the functionality of any number thereof according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging a circuit, or in any one of or a suitable combination of software, hardware, and firmware implementations. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

For example, any number of the determining module 910, the obtaining module 920, the first processing module 930, the second processing module 940, the first obtaining sub-module 921a, the first determining sub-module 922a, the second obtaining sub-module 923a, the third obtaining sub-module 921b, the second determining sub-module 922b, the third determining sub-module 923b, the fourth determining sub-module 924b, the providing sub-module 921c, the receiving sub-module 922c, the fifth determining sub-module 923c, the sixth determining sub-module 941a, the first processing sub-module 942a, the seventh determining sub-module 941b, the eighth determining sub-module 942b, the ninth determining sub-module 943b, and the second processing sub-module 944b may be combined to implement in one module, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the determining module 910, the obtaining module 920, the first processing module 930, the second processing module 940, the first obtaining sub-module 921a, the first determining sub-module 922a, the second obtaining sub-module 923a, the third obtaining sub-module 921b, the second determining sub-module 922b, the third determining sub-module 923b, the fourth determining sub-module 924b, the providing sub-module 921c, the receiving sub-module 922c, the fifth determining sub-module 923c, the sixth determining sub-module 941a, the first processing sub-module 942a, the seventh determining sub-module 941b, the eighth determining sub-module 942b, the ninth determining sub-module 943b, and the second processing sub-module 944b may be at least partially implemented as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on chip, a system on a substrate, a system on a package, a method thereof, and a method thereof, An Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable manner, such as by integrating or packaging circuitry, or in any one of, or any suitable combination of software, hardware, and firmware. Alternatively, at least one of the determining module 910, the obtaining module 920, the first processing module 930, the second processing module 940, the first obtaining sub-module 921a, the first determining sub-module 922a, the second obtaining sub-module 923a, the third obtaining sub-module 921b, the second determining sub-module 922b, the third determining sub-module 923b, the fourth determining sub-module 924b, the providing sub-module 921c, the receiving sub-module 922c, the fifth determining sub-module 923c, the sixth determining sub-module 941a, the first processing sub-module 942a, the seventh determining sub-module 941b, the eighth determining sub-module 942b, the ninth determining sub-module 943b, and the second processing sub-module 944b may be at least partially implemented as a computer program module, and when the computer program module is executed, the corresponding function may be executed.

FIG. 15 schematically shows a block diagram of a computer system for transaction processing according to an embodiment of the disclosure. The computer system illustrated in FIG. 15 is only one example and should not impose any limitations on the scope of use or functionality of embodiments of the disclosure.

As shown in fig. 15, the computer system 1500 includes a processor 1501, a computer-readable storage medium 1502. The system 1500 may perform a method according to embodiments of the present disclosure.

In particular, processor 1501 may comprise, for example, a general purpose microprocessor, an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), or the like. The processor 1501 may also include on-board memory for caching purposes. The processor 1501 may be a single processing unit or a plurality of processing units for performing different actions of a method flow according to embodiments of the present disclosure.

The computer-readable storage medium 1502 may be, for example, any medium that can contain, store, communicate, propagate, or transport the instructions. For example, a readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, device, or propagation medium. Specific examples of the readable storage medium include: magnetic storage devices, such as magnetic tape or Hard Disk Drives (HDDs); optical storage devices, such as compact disks (CD-ROMs); a memory, such as a Random Access Memory (RAM) or a flash memory; and/or wired/wireless communication links.

The computer-readable storage medium 1502 may include a computer program 1503, which computer program 1503 may include code/computer-executable instructions that, when executed by the processor 1501, cause the processor 1501 to perform a method according to an embodiment of the present disclosure, or any variation thereof.

The computer program 1503 may be configured with computer program code, for example, comprising computer program modules. For example, in an example embodiment, code in computer program 1503 may include one or more program modules, including 1503A, modules 1503B, … …, for example. It should be noted that the division and number of modules are not fixed, and those skilled in the art may use suitable program modules or program module combinations according to actual situations, which when executed by the processor 1501, enable the processor 1501 to perform the method according to the embodiments of the present disclosure or any variation thereof.

According to an embodiment of the present disclosure, at least one of the determining module 910, the obtaining module 920, the first processing module 930, the second processing module 940, the first obtaining sub-module 921a, the first determining sub-module 922a, the second obtaining sub-module 923a, the third obtaining sub-module 921b, the second determining sub-module 922b, the third determining sub-module 923b, the fourth determining sub-module 924b, the providing sub-module 921c, the receiving sub-module 922c, the fifth determining sub-module 923c, the sixth determining sub-module 941a, the first processing sub-module 942a, the seventh determining sub-module 941b, the eighth determining sub-module 942b, the ninth determining sub-module 943b, and the second processing sub-module 944b may be implemented as a computer program module described with reference to fig. 15, which, when executed by the processor 1501, may implement the corresponding operations described above.

The present disclosure also provides a computer-readable medium, which may be embodied in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer readable medium carries one or more programs which, when executed, implement the method.

According to embodiments of the present disclosure, a computer readable medium may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

Those skilled in the art will appreciate that various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure can be made. While the disclosure has been shown and described with reference to certain exemplary embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the disclosure as defined by the appended claims and their equivalents. Accordingly, the scope of the present disclosure should not be limited to the above-described embodiments, but should be defined not only by the appended claims, but also by equivalents thereof.

Claims

1. A transaction processing method performed by a server, comprising:

determining a target user;

the method comprises the steps of obtaining a plurality of first transaction function modules associated with a target user, wherein the first transaction function modules comprise a user attribute and a transaction type which are obtained based on historical transaction data of the target user, determining a plurality of transaction requirements according to the user attribute and the transaction type, and obtaining the first transaction function modules, and the first transaction function modules have the function of processing the transaction requirements of the target user and comprise a credit card repayment module, a housing loan repayment module and a communication fee payment module;

processing the first transaction function modules, and connecting the first transaction function modules in series to form a transaction combination to obtain a target transaction function module;

the target transaction obtaining function module comprises:

determining an execution order of the plurality of first transaction function modules;

processing the plurality of first transaction function modules based on the execution sequence to obtain the target transaction function module;

processing the plurality of transaction requirements of the target user based on the target transaction function module; the processing the plurality of transaction requirements of the target user includes:

determining account resources of the target user;

determining at least one transaction requirement of a plurality of transaction requirements based on the account resources, the account resources being sufficient to be used to process the at least one transaction requirement;

determining a target resource required to process the at least one trade demand;

processing the at least one transaction requirement based on the account resource and the target resource; and

said processing said at least one transaction need comprises:

the at least one transaction requirement is executed at once.

2. The method of claim 1, wherein said obtaining a plurality of first transaction function modules associated with the target user comprises:

acquiring historical transaction data of the target user;

determining a plurality of transaction requirements of the target user based on the historical transaction data; and

obtaining the plurality of first transaction function modules based on the plurality of transaction requirements.

3. The method of claim 1, wherein said obtaining a plurality of first transaction function modules associated with the target user comprises:

acquiring a first user attribute and a first transaction type of a target user;

determining a user group matching the target user based on the first user attribute and the first transaction type, wherein the user group comprises a plurality of users, each of the plurality of users has a second user attribute and a second transaction type, the second user attribute matches the first user attribute, and the second transaction type matches the first transaction type;

determining a plurality of second transaction function modules associated with the group of users; and

determining the plurality of second transaction function modules as a plurality of first transaction function modules associated with the target user.

4. The method of claim 1, wherein said obtaining a plurality of first transaction function modules associated with the target user comprises:

providing a plurality of third transaction function modules for the target user;

receiving selection operations of the target user for the plurality of third transaction function modules; and

determining the plurality of first transaction function modules from the plurality of third transaction function modules based on the selection operation.

5. The method of claim 1, wherein said processing the plurality of transaction requirements of the target user based on the target transaction function module further comprises:

determining account resources of the target user; and

and processing each transaction demand in the plurality of transaction demands in turn according to the execution sequence based on the account resources.

6. A transaction processing device comprising:

the determining module is used for determining a target user;

the acquisition module is used for acquiring a plurality of first transaction function modules associated with the target user, and comprises a plurality of first transaction function modules which are obtained based on historical transaction data of the target user, determine a plurality of transaction requirements according to the user attributes and the transaction types, and acquire the plurality of first transaction function modules, wherein the plurality of first transaction function modules have the function of processing the plurality of transaction requirements of the target user and comprise a credit card repayment module, a house loan repayment module and a communication fee payment module;

the first processing module is used for processing the plurality of first transaction function modules, connecting the plurality of first transaction function modules in series to form a transaction combination to obtain a target transaction function module and obtain a target transaction function module;

the target transaction obtaining function module comprises:

the second processing module is used for processing a plurality of transaction requirements of the target user based on the target transaction function module; the processing the plurality of transaction requirements of the target user includes:

determining account resources of the target user;

said processing said at least one transaction need comprises:

the at least one transaction requirement is executed at once.

7. A computing device, comprising:

one or more processors;

a memory for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-5.

8. A computer-readable storage medium storing computer-executable instructions for implementing the method of any one of claims 1 to 5 when executed.