CN111539823B

CN111539823B - Transaction processing method, device and equipment

Info

Publication number: CN111539823B
Application number: CN202010339834.0A
Authority: CN
Inventors: 强群力; 郎卓; 靳慧杰; 李雯婷; 高晟凯
Original assignee: NetsUnion Clearing Corp
Current assignee: NetsUnion Clearing Corp
Priority date: 2020-04-26
Filing date: 2020-04-26
Publication date: 2023-07-04
Anticipated expiration: 2040-04-26
Also published as: CN111539823A

Abstract

The invention discloses a transaction processing method, a device and equipment, wherein the method comprises the following steps: the method comprises the steps that a preset supervision mechanism receives a transaction application initiated by a payee, and initiates a transaction request to an acceptance mechanism based on the transaction application; receiving a successful receipt of the deduction forwarded by the acceptance mechanism; and forwarding the receipt of the successful deduction to the payee. The clearing mechanism receives the transaction request forwarded by the acceptance mechanism, the transaction request contains identification information corresponding to a preset supervision mechanism, and the transaction request is forwarded to the account mechanism for the account mechanism to deduct money according to the target rate; and receiving a successful receipt of the deduction sent by the account mechanism and forwarding the receipt to the acceptance mechanism, and forwarding the successful receipt of the deduction to a preset supervision mechanism by the acceptance mechanism. The clearing house provides the bill for the preset supervising house to download and check to confirm that the transaction request and the transaction amount sent by the preset supervising house match. The method overcomes the defect that the transaction channel is used mechanically, ensures the authenticity of the transaction, and reduces the transaction risk and customer complaint risk.

Description

Transaction processing method, device and equipment

Technical Field

The present invention relates to the field of network transaction technologies, and in particular, to a transaction processing method, device and equipment.

Background

With the development of internet technology, network payment has become a trend. In the network payment link, the clearing mechanism completes the transaction transfer between the acceptance mechanism and the account mechanism, and carries out transaction fund clearing according to the received payment instruction. The existing network payment link is usually directly connected with an acceptance mechanism by a payee, then a clearing mechanism generates a corresponding transaction account checking file according to a transaction request of the payee and provides the corresponding transaction account checking file for an account mechanism and the acceptance mechanism, however, because the payee has different industry types, transaction scenes and the like, differential pricing usually exists, the problems of easy account mechanism fund loss, customer complaint generation and the like are easily caused when the network payment link is used, and the authenticity and consistency of the payment link cannot be ensured by the existing network payment link.

Disclosure of Invention

Therefore, the technical problem to be solved by the invention is to overcome the defect that the authenticity and consistency of the transaction cannot be ensured in the prior art, so as to provide a transaction processing method, a transaction processing device and transaction processing equipment.

According to a first aspect, an embodiment of the present invention provides a transaction processing method, including: receiving a transaction request forwarded by an acceptance mechanism, wherein the transaction request is subjected to first validity check on a transaction application initiated by a payee by a preset supervision mechanism, and is sent to the acceptance mechanism after the first validity check is passed, and the transaction request contains identification information corresponding to the preset supervision mechanism; forwarding the transaction request to an account mechanism for deduction according to a target rate, wherein the target rate corresponds to the transaction application and the identification information; receiving a successful receipt of the deduction sent by the account mechanism, and recording the successful receipt of the deduction; and forwarding the successful receipt of the deduction to the acceptance mechanism so that the acceptance mechanism forwards the successful receipt of the deduction to the preset supervision mechanism.

With reference to the first aspect, in a first implementation manner of the first aspect, the method further includes: recording transaction information in the transaction request, wherein the transaction information comprises the identification information corresponding to the preset supervision organization; and matching the transaction information with the deduction success receipt, and generating a target reconciliation file based on the matched transaction information and the deduction success receipt, wherein the target reconciliation file comprises a transaction record file generated by the transaction request corresponding to the preset supervision mechanism and the target rate.

With reference to the first aspect or the first implementation manner of the first aspect, in a second implementation manner of the first aspect, the method further includes: receiving a service downloading request of the preset supervision mechanism, wherein the service downloading request comprises the identification information corresponding to the preset supervision mechanism; determining the target reconciliation file corresponding to the preset supervision mechanism based on the identification information; and transmitting the target reconciliation file to the preset supervision mechanism.

With reference to the first aspect, in a third implementation manner of the first aspect, after receiving a transaction request forwarded by an acceptance mechanism and before forwarding the transaction request to an account mechanism, the method further includes: performing a second validity check on the transaction request; and if the transaction request passes the second validity check, forwarding the transaction request to the account mechanism.

According to a second aspect, an embodiment of the present invention provides a transaction processing method, performed by a preset regulatory body, wherein the method comprises: receiving a transaction application initiated by a payee; performing first validity check on the transaction application to verify whether the transaction application meets the requirement corresponding to the target rate; under the condition that the transaction application passes the first validity check, a transaction request is sent to an acceptance mechanism based on the transaction application so that the acceptance mechanism can forward the transaction request to a clearing mechanism, wherein the transaction request contains identification information corresponding to the preset supervision mechanism; the clearing mechanism is used for carrying out second validity check on the transaction request, and the account mechanism is used for carrying out deduction payment according to the transaction request and returning a deduction success receipt; receiving the receipt of successful deduction forwarded by the acceptance mechanism; and forwarding the deduction success receipt to the payee.

With reference to the second aspect, in a first implementation manner of the second aspect, the method further includes: a service downloading request is sent to the clearing mechanism, wherein the service downloading request comprises the identification information corresponding to the preset supervision mechanism and is used for downloading a target reconciliation file corresponding to the preset supervision mechanism, and the target reconciliation file comprises a transaction record file generated by the transaction request corresponding to the preset supervision mechanism and the target rate; and receiving the target reconciliation file transmitted by the clearing mechanism.

According to a third aspect, an embodiment of the present invention provides a transaction processing system, comprising: the system comprises a payee, a preset supervision mechanism, a acceptance mechanism, a clearing mechanism and an account mechanism; the payee is in communication connection with the acceptance mechanism through the preset supervision mechanism; the clearing mechanism is in communication connection with the acceptance mechanism, the account mechanism and the preset supervision mechanism; the preset supervision mechanism is used for receiving a transaction application initiated by a payee and carrying out first validity check on the transaction application; the acceptance mechanism is used for receiving a transaction request sent by the transaction application passing the first validity check and forwarding the transaction request to the clearing mechanism; the clearing mechanism is used for carrying out second legal verification on the transaction request and forwarding the transaction request passing the second legal verification to the account mechanism; receiving a successful receipt of the deduction returned by the account mechanism, and forwarding the successful receipt of the deduction to the acceptance mechanism so that the acceptance mechanism forwards the successful receipt of the deduction to the preset supervision mechanism; the account mechanism is used for deducting money according to a target rate and returning a successful deduction receipt to the clearing mechanism, and the target rate corresponds to the transaction application and the identification information.

With reference to the third aspect, in a first implementation manner of the third aspect, the clearing mechanism is further configured to: recording transaction information in the transaction request, matching the transaction information with the deduction success receipt, and generating a target reconciliation file based on the matched transaction information and the deduction success receipt, wherein the target reconciliation file comprises transaction record files generated by the transaction request corresponding to the preset supervision mechanism and the target rate; receiving a service downloading request of the preset supervision mechanism, and determining the target reconciliation file corresponding to the preset supervision mechanism based on identification information corresponding to the preset supervision mechanism contained in the service downloading request; and transmitting the target reconciliation file to the preset supervision mechanism.

With reference to the first implementation manner of the third aspect, in a second implementation manner of the third aspect, the preset regulatory body is further configured to: a service downloading request is sent to the clearing mechanism, wherein the service downloading request comprises the identification information corresponding to the preset supervision mechanism and is used for downloading a target reconciliation file corresponding to the preset supervision mechanism; and receiving the target reconciliation file transmitted by the clearing mechanism.

According to a fourth aspect, an embodiment of the present invention provides a transaction processing device for a clearing house, comprising: the transaction system comprises a first receiving module, a receiving mechanism and a receiving mechanism, wherein the first receiving module is used for receiving a transaction request forwarded by the receiving mechanism, the transaction request is subjected to first validity check on a transaction application initiated by a payee by a preset supervision mechanism, and the transaction request is sent to the receiving mechanism after the verification is passed, wherein the transaction request contains identification information corresponding to the preset supervision mechanism; the first forwarding module is used for forwarding the transaction request to an account mechanism so that the account mechanism can deduct money according to a target rate, and the target rate corresponds to the transaction application and the identification information; the second receiving module is used for receiving the successful receipt of the deduction sent by the account mechanism and recording the successful receipt of the deduction; and the second forwarding module is used for forwarding the successful receipt of the deduction to the acceptance mechanism so that the acceptance mechanism forwards the successful receipt of the deduction to the preset supervision mechanism.

According to a fifth aspect, an embodiment of the present invention provides a transaction processing device for presetting a regulatory agency, including: the third receiving module is used for receiving a transaction application initiated by a payee; the verification module is used for carrying out first validity verification on the transaction application so as to verify whether the transaction application meets the requirement corresponding to the target rate; the third forwarding module is used for sending a transaction request to an acceptance mechanism based on the transaction application under the condition that the transaction application passes the first validity check so that the acceptance mechanism forwards the transaction request to a clearing mechanism, and the transaction request contains identification information corresponding to the preset supervision mechanism; the clearing mechanism is used for carrying out second validity check on the transaction request, and the account mechanism is used for carrying out deduction payment according to the transaction request and returning a deduction success receipt; a fourth receiving module, configured to receive the receipt of successful deduction forwarded by the acceptance mechanism; and the fourth forwarding module is used for forwarding the deduction success receipt to the payee.

According to a sixth aspect, an embodiment of the present invention provides a computer apparatus, including: the system comprises a memory and a processor, wherein the memory and the processor are in communication connection, the memory stores computer instructions, and the processor executes the computer instructions, so as to execute the transaction processing method according to the first aspect or any implementation manner of the second aspect.

According to a seventh aspect, an embodiment of the present invention provides a computer readable storage medium storing computer instructions for causing a computer to perform the transaction processing method according to the first aspect or any implementation manner of the first aspect, or the transaction processing method according to the second aspect or any implementation manner of the second aspect.

The above-mentioned at least one technical scheme that this application embodiment adopted can reach following beneficial effect:

the transaction processing method, the device and the equipment provided by the invention are executed by the clearing mechanism, and the transaction request forwarded by the acceptance mechanism received by the clearing mechanism passes through the first validity check of the preset supervision mechanism, and the transaction request comprises the identification information corresponding to the preset supervision mechanism, so that the account structure can deduct money according to the transaction request corresponding to the preset supervision mechanism and the target rate, thereby avoiding the fund loss of the account mechanism; after the account mechanism finishes deduction, a successful deduction receipt can be generated and sent to the acceptance mechanism, and then the acceptance mechanism forwards the successful deduction receipt to the preset supervision mechanism, so that the consistency of transaction information received by both transaction parties is effectively ensured, the authenticity of the transaction is further ensured, the transaction risk is reduced, and meanwhile, the preset supervision mechanism can correspond the successful deduction receipt to the corresponding transaction request after receiving the successful deduction receipt, thereby overcoming the defect that a transaction channel is applied mechanically, and further reducing the customer complaint risk generated by the transaction.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are needed in the description of the embodiments or the prior art will be briefly described, and it is obvious that the drawings in the description below are some embodiments of the present invention, and other drawings can be obtained according to the drawings without inventive effort for a person skilled in the art.

FIG. 1 is a flow chart of a transaction processing method according to an embodiment of the invention;

FIG. 2 is a flow chart of a transaction processing method according to an embodiment of the invention;

FIG. 3 is a flow chart of a transaction processing method according to an embodiment of the invention;

FIG. 4 is a flow chart of a transaction processing method according to an embodiment of the invention;

FIG. 5 is a transaction flow diagram of a security mechanism in an embodiment of the invention;

FIG. 6 is a diagram of a download reconciliation file in accordance with an embodiment of the invention;

FIG. 7 is a schematic block diagram of a transaction processing device in accordance with an embodiment of the present invention;

FIG. 8 is a schematic block diagram of a transaction processing device in accordance with an embodiment of the present invention;

FIG. 9 is a schematic block diagram of a transaction processing system in accordance with an embodiment of the present invention;

fig. 10 is a schematic structural diagram of a computer device according to an embodiment of the present invention.

Detailed Description

The following description of the embodiments of the present invention will be made apparent and fully in view of the accompanying drawings, in which some, but not all embodiments of the invention are shown. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

In the description of the present invention, it should be noted that the terms "first," "second," and "third" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.

In the description of the present invention, it should be noted that, unless explicitly specified and limited otherwise, the terms "mounted," "connected," and "connected" are to be construed broadly, and may be either fixedly connected, detachably connected, or integrally connected, for example; can be mechanically or electrically connected; the two components can be directly connected or indirectly connected through an intermediate medium, or can be communicated inside the two components, or can be connected wirelessly or in a wired way. The specific meaning of the above terms in the present invention will be understood in specific cases by those of ordinary skill in the art.

In addition, the technical features of the different embodiments of the present invention described below may be combined with each other as long as they do not collide with each other.

Example 1

The present embodiment provides a transaction processing method, which can be applied to a clearing mechanism to prevent a transaction channel from being applied, where the clearing mechanism is a server or a cluster server for processing a transaction request service, as shown in fig. 1, and the transaction processing method includes:

s101, receiving a transaction request forwarded by an acceptance mechanism, wherein the transaction request is subjected to first validity check on a transaction application initiated by a payee by a preset supervision mechanism and sent to the acceptance mechanism after the first validity check is passed, and the transaction request contains identification information corresponding to the preset supervision mechanism.

Illustratively, the clearing house receives the transaction request forwarded by the receiving house and forwards the transaction request. The acceptance mechanism is a server or a cluster server for receiving transaction request service, the transaction request is a transaction application which is received by a preset supervision mechanism and adopts a target rate, the transaction request comprises identification information corresponding to the preset supervision mechanism, and the preset supervision mechanism is the server or the cluster server for receiving transaction application service and can carry out first validity check on the transaction application of the target rate. The first validity check may be a transaction request verification, and may also be a transaction message validity check. The target rate is a transaction fee corresponding to the transaction request service type. Taking the insurance collecting transaction as an example, the target rate can comprise a standard rate, a preferential rate and a 0 rate, the application does not limit the first validity check and the target rate, and the person skilled in the art can determine according to actual needs. In the embodiment of the invention, the first validity check is carried out on the transaction application of the target rate through the preset monitoring management mechanism, then the corresponding transaction request is forwarded to the acceptance mechanism and then is forwarded to the clearing mechanism for subsequent processing and recording, thereby realizing the independent supervision on the transaction application of the target rate and avoiding the illegal application of the rate.

S103, forwarding the transaction request to an account mechanism for the account mechanism to deduct money according to a target rate, wherein the target rate corresponds to the transaction application and the identification information.

The account facility is illustratively a server or cluster server for payment of deductions based on the target rate of the transaction request service received. The clearing mechanism forwards the received transaction request to the account mechanism, and the account mechanism completes deduction payment corresponding to the target rate and the identification information of the transaction request according to the transaction request. For example, if the target rate of the transaction request service received by the account mechanism is a standard rate, the transaction service is deducted according to the standard rate, and the transaction payment is completed.

S105, receiving a receipt of successful deduction sent by the account mechanism, and recording the receipt of successful deduction.

If the account structure completes the payment of the deduction, a successful receipt of the deduction is generated, the generated successful receipt of the deduction is sent to the clearing mechanism, and the clearing mechanism stores and records the successful receipt of the deduction so as to monitor transaction business and ensure the authenticity and accuracy of the transaction.

And S107, forwarding the successful receipt of the deduction to a receiving mechanism so that the receiving mechanism can forward the successful receipt of the deduction to a preset supervision mechanism.

Illustratively, the clearing house forwards the received successful receipt of the deduction to the receiving house, which sends the successful receipt of the deduction to the sender of the transaction request, i.e. the preset supervising house. The preset authority may send the deduction success receipt to the initiator, such as the payee server, that initiated the transaction application.

According to the transaction processing method provided by the embodiment, the clearing mechanism executes the transaction request forwarded by the acceptance mechanism received by the clearing mechanism, the transaction request is subjected to the first validity check of the preset supervision mechanism, and the transaction request comprises the identification information corresponding to the preset supervision mechanism, so that the account structure can deduct money according to the transaction request corresponding to the preset supervision mechanism and the target rate, and the fund loss of the account mechanism is avoided; after the account mechanism finishes deduction, a successful deduction receipt can be generated and sent to the acceptance mechanism, and then the acceptance mechanism forwards the successful deduction receipt to the preset supervision mechanism, so that the consistency of transaction information received by both transaction parties is effectively ensured, the authenticity of the transaction is further ensured, the transaction risk is reduced, and meanwhile, the preset supervision mechanism can correspond the successful deduction receipt to the corresponding transaction request after receiving the successful deduction receipt, thereby overcoming the defect that a transaction channel is applied mechanically, and further reducing the customer complaint risk generated by the transaction.

As an alternative embodiment of the present application, as shown in fig. 2, the method further includes:

s109, recording transaction information in the transaction request, wherein the transaction information comprises identification information corresponding to a preset supervision organization.

The transaction information is related to the transaction in the transaction request process, and the transaction information contains identification information corresponding to a preset supervision organization, and transaction information uploaded by the preset supervision organization and other institutions can be distinguished based on the identification information, wherein the other institutions are servers or cluster servers for other businesses; the transaction information can also comprise transaction request initiating time, transaction receiving time, transaction request type and the like, the content of the transaction information is not limited in the application, and the transaction information can be determined according to actual needs by a person skilled in the art. The clearing house may record and store the received transaction request and transaction information associated with the transaction request.

S111, matching the transaction information with the deduction success receipt, and generating a target reconciliation file based on the matched transaction information and the deduction success receipt, wherein the target reconciliation file comprises a transaction record file generated by the transaction request corresponding to a preset supervision agency and a target rate.

For example, the transaction information and the corresponding payment successful receipt are in one-to-one correspondence, the transaction information and the payment successful receipt can be matched according to the correspondence, and a target reconciliation file of the transaction information corresponding to the transaction request can be generated based on the successful matching of the transaction information and the payment successful receipt. The transaction information comprises identification information corresponding to a preset supervision organization, so that the generated target reconciliation file comprises transaction record files generated by transaction requests corresponding to the preset supervision organization and the target rate and transaction record files generated by transaction requests corresponding to other institutions. For example, if the target rate of the transaction request is the standard rate, after the account mechanism deducts money successfully according to the standard rate, the generated deduction success receipt is sent to the clearing mechanism, and at the moment, the clearing mechanism carries out one-to-one correspondence matching on the deduction success receipt and the transaction information corresponding to the transaction request so as to generate a transaction record file corresponding to the transaction request of the preset supervision mechanism and the target rate.

s113, receiving a service downloading request of a preset supervision organization, wherein the service downloading request comprises identification information corresponding to the preset supervision organization.

The service download request is used for downloading a target reconciliation file, and the service download request includes identification information corresponding to a preset supervision organization to distinguish the service download request initiated by the preset supervision organization from the service download requests initiated by other institutions.

S115, determining a target reconciliation file corresponding to the preset supervision organization based on the identification information.

The clearing mechanism may store the generated target reconciliation file, may provide the target reconciliation file corresponding to the identification information based on the identification information in the service download request, and when the preset supervision mechanism initiates the service download request, the clearing mechanism may receive the service download request and identify the identification information corresponding to the preset supervision mechanism in the service download request, and find the target reconciliation file corresponding to the service download request.

S117, transmitting the target reconciliation file to a preset supervision organization.

For example, after the clearing institution finds the target reconciliation file corresponding to the service download request, the target reconciliation file may be transmitted to a preset supervision institution, which may download the received target reconciliation file.

The preset supervision mechanism can download the request to the business sent by the clearing mechanism and receive the target account checking file transmitted by the clearing mechanism, and because the preset supervision mechanism can compare daily transaction data with fund settlement data according to the target account checking file provided by the clearing mechanism, whether the transaction channel only serves the preset supervision mechanism can be judged according to the comparison result, the exclusive channel of the transaction is effectively prevented from being applied and impounded, the transaction risk is reduced, and further the customer complaint risk caused by the transaction is reduced.

As an optional embodiment of the present application, after receiving the transaction request forwarded by the acceptance institution and before forwarding the transaction request to the account institution, the method further comprises: performing a second validity check on the transaction request; and if the transaction request passes the second validity check, forwarding the transaction request to the account mechanism.

The second validity check is for verifying whether the received transaction request is real, legal, etc., and the second validity check may be a verification of the transaction request, or may be a validity check of the transaction message. The present application is not limited in this regard. For example, the transaction request signature verification may require the transaction request initiator to electronically sign the generated transaction request, and when the clearing institution receives the transaction request, verify the signature on the transaction request to confirm the authenticity of the transaction request; and verifying the validity of the transaction message, wherein the transaction request message is a transmission data unit in the transaction process, and the complete data information of the transaction request is encapsulated. The message forms corresponding to different transaction request information are different, and whether the received transaction request message is legal or not can be confirmed through checking the message forms. By performing the second validity check on the transaction request, whether the received transaction request is real or not can be judged, and the authenticity and the safety of the transaction process are further ensured.

Example 2

The present embodiment provides a transaction processing method, which can be applied to a preset supervision mechanism to prevent a transaction channel from being applied, where the preset supervision mechanism is a server or a cluster server for receiving a transaction application service, as shown in fig. 3, and the transaction processing method includes:

s201, receiving a transaction application initiated by a payee.

The payee is a server or a cluster server for initiating a transaction request, where the transaction application initiated by the payee may correspond to a target rate thereof, and a specific description of the target rate is referred to the related description of the above embodiment and is not repeated herein.

S203, performing first validity check on the transaction application to verify whether the transaction application meets the requirement corresponding to the target rate.

For example, reference is made to the related descriptions of the above embodiments for a specific description of the first validity check, which is not repeated here. The first validity check is used for verifying whether the transaction application meets the requirement corresponding to the target rate, for example, the target rate is a preferential rate, and when the transaction application is received, the transaction message corresponding to the transaction application is verified to verify whether the transaction message corresponds to the preferential rate, i.e. whether the received transaction application meets the requirement of the preferential rate.

S205, under the condition that the transaction application passes the first validity check, a transaction request is sent to an acceptance mechanism based on the transaction application, so that the acceptance mechanism forwards the transaction request to a clearing mechanism and an account mechanism, and the transaction request contains identification information corresponding to a preset supervision mechanism; the clearing mechanism is used for carrying out second validity check on the transaction request, and the account mechanism is used for carrying out deduction payment according to the transaction request and returning a deduction success receipt.

For example, the details of the clearing house, the receiving house and the account house are referred to the relevant descriptions of the above embodiments, and will not be repeated here. After the preset supervision mechanism completes the first validity check on the validity of the transaction application, the transaction request corresponding to the transaction application is sent to the acceptance mechanism, wherein the transaction application contains the identification information corresponding to the preset supervision mechanism, and therefore the transaction request corresponding to the transaction application contains the identification information corresponding to the preset supervision mechanism. The acceptance mechanism can distinguish transaction requests sent by the preset supervision mechanism and other mechanisms according to the identification information. The acceptance mechanism forwards the transaction request to the clearing mechanism, the clearing mechanism carries out second validity check on the transaction request after receiving the transaction request, the transaction request passing the second validity check is forwarded to the account mechanism, the account mechanism executes deduction payment corresponding to the transaction request according to the received transaction request, and after the deduction payment is completed, a deduction success receipt is returned to the clearing mechanism.

Through carrying out first validity check on the transaction application of the target rate, then forwarding the transaction request passing the first validity check to the acceptance mechanism, and forwarding the transaction request to the clearing mechanism for subsequent processing and recording, the independent supervision on the transaction application of the target rate is realized, and the target rate can be prevented from being illegally applied.

S207, receiving a receipt of successful deduction forwarded by the acceptance mechanism.

Illustratively, the clearing house forwards the received successful receipt of the payment to the order receiving structure, which forwards the successful receipt of the payment to the preset authority.

S209, forwarding the receipt of the successful deduction to the payee.

Illustratively, after receiving a successful receipt of a deduction, the preset authority forwards the successful receipt of a deduction to a payee initiating a transaction request corresponding to the successful receipt of a deduction.

According to the transaction processing method provided by the embodiment, since the preset supervision mechanism can conduct first validity check on the transaction application initiated by the payee to ensure that the received transaction application corresponds to the requirement of the target rate, the transaction application which passes through the first validity check is initiated to the acceptance mechanism, the acceptance mechanism forwards the transaction request to the clearing mechanism, the clearing mechanism conducts second validity check on the received transaction request, the transaction request which passes through the second validity check is forwarded to the account mechanism, the account mechanism executes deduction payment corresponding to the target rate according to the transaction information of the transaction request, after the account mechanism completes deduction payment, a successful deduction receipt is forwarded to the acceptance mechanism through the clearing mechanism, the acceptance mechanism forwards the successful deduction receipt to the preset supervision mechanism, and the preset supervision mechanism forwards the successful deduction receipt received by the acceptance mechanism to the payee. Through presetting the supervision mechanism to the transaction application verification of target rate, then transmit corresponding transaction request to the accepting mechanism, transmit to the clearing mechanism again and carry out subsequent processing and record, avoided the direct butt joint accepting mechanism of payee to realize the independent supervision to the transaction application of target rate, can avoid this rate to be illegally applied, effectively guaranteed the authenticity of trade both sides trade, reduced the transaction risk, and then reduced the customer complaint risk that produces because of the trade.

As an alternative embodiment of the present application, as shown in fig. 4, the method further includes:

s211, a service downloading request is sent to the clearing institution, wherein the service downloading request comprises identification information corresponding to a preset supervision institution and is used for downloading a target reconciliation file corresponding to the preset supervision institution, and the target reconciliation file comprises a transaction record file generated by a transaction request corresponding to the preset supervision institution and a target rate.

For example, the specific description of the service download request and the target reconciliation file is referred to the related description of the above embodiment, and will not be repeated here. When the preset supervision mechanism needs to download the target reconciliation file, a service download request can be initiated to the clearing mechanism, and the clearing mechanism can provide the target reconciliation file corresponding to the service download request according to the received service download request and the identification information contained in the service download request.

S213, receiving the target reconciliation file transmitted by the clearing mechanism.

Illustratively, the clearing mechanism transmits the target reconciliation document corresponding to the service download request to a preset supervision mechanism, which can download the received target reconciliation document. The preset supervision mechanism compares the transaction data of the transaction requests according to the target reconciliation document provided by the clearing mechanism, so that the preset supervision mechanism is ensured to only serve the corresponding transaction requests, and the exclusive channel of the transaction is prevented from being applied mechanically.

Example 3

The present embodiment provides a transaction processing method, as shown in fig. 5, in which a transaction processing method for a clearing institution and a transaction information method for a preset supervising institution are applied to an insurance transaction, in which the clearing institution uses a network platform server (hereinafter referred to as a network platform) as an example, the preset supervising institution uses a insurance department server (hereinafter referred to as an insurance department) as an example, and a payee uses an insurance institution server (hereinafter referred to as an insurance institution) as an example. The transaction processing method comprises the following steps:

(1) the insurance mechanism initiates a transaction request to the insurance exchange station;

(2) the transaction request initiated by the received insurance mechanism is guaranteed to be submitted, the transaction request can be subjected to first validity check, and the transaction request passing the first validity check is forwarded to the acceptance mechanism;

(3) the acceptance mechanism receives the transaction request initiated by the insurance transaction and forwards the transaction request to the internet connection platform;

(4) the network connection platform receives a transaction request initiated by the acceptance mechanism, wherein the transaction request contains identification information corresponding to the insurance transaction, and the network connection platform can carry out second validity check, such as signature verification, message validity check and the like, on the transaction request; forwarding the transaction request passing the second validity check to an account mechanism for transaction processing;

(5) The account mechanism carries out deduction processing corresponding to the transaction request according to the received transaction request, generates a deduction success receipt according to a deduction processing result, and sends the generated deduction success receipt to the internet connection platform;

(6) the network connection platform receives a deduction success receipt returned by the account mechanism according to the transaction request, and returns the deduction success receipt to the receipt mechanism; meanwhile, the internet connection platform can record transaction information corresponding to the transaction request, and generates an account checking file according to the transaction information and a deduction success receipt of the corresponding transaction information;

(7) after receiving the successful receipt of the deduction sent by the internet connection platform, the acceptance mechanism forwards the successful receipt of the deduction to the insurance department;

(8) the insurance receives the successful receipt of the deduction, and sends the successful receipt of the deduction to the insurance mechanism, and notifies the insurance mechanism to receive the corresponding transaction result of the successful receipt of the deduction.

The internet protocol can provide the generated account checking file for the insurance department, the account mechanism and the acceptance mechanism, as shown in fig. 6, when the account checking file is provided, the internet protocol can distinguish the transaction request sent by the insurance department, and provide an independent account checking file for the download check of the insurance department for the transaction request corresponding to the transaction information initiated by the insurance department, and the insurance department can compare daily transaction data with fund settlement data according to the account checking file of the corresponding transaction request provided by the internet protocol, thereby ensuring that the transaction channel only serves the insurance industry, avoiding the application or imposition of the exclusive transaction channel and ensuring the fund safety of the account mechanism.

Example 4

The present embodiment provides a transaction information processing apparatus, which is applicable to a clearing institution and prevents a transaction channel from being applied, as shown in fig. 7, and includes:

the first receiving module 31 is configured to receive a transaction request forwarded by the acceptance mechanism, where the transaction request is subjected to a first validity check by a preset supervision mechanism on a transaction application initiated by a payee, and the transaction request is sent to the acceptance mechanism after the verification is passed, and the transaction request includes identification information corresponding to the preset supervision mechanism.

The first forwarding module 32 is configured to forward the transaction request to the account mechanism for the account mechanism to deduct money according to a target rate, where the target rate corresponds to the transaction application and the identification information.

The second receiving module 33 is configured to receive a receipt of successful deduction sent by the account mechanism, and record a receipt of successful deduction.

The second forwarding module 34 is configured to forward the receipt of successful deduction to the receiving mechanism, so that the receiving mechanism forwards the receipt of successful deduction to the preset supervision mechanism.

In the transaction information processing device provided by the embodiment, the first receiving module receives the transaction request forwarded by the acceptance mechanism, the transaction request is subjected to first validity check on the transaction application initiated by the payee by the preset supervision mechanism, the transaction request is sent to the acceptance mechanism after passing the first validity check and contains the identification information corresponding to the preset supervision mechanism, the first forwarding module forwards the transaction request to the account mechanism so that the account mechanism can pay the deduction according to the target rate, wherein the target rate corresponds to the transaction application and the identification information, the second receiving module receives the deduction success receipt sent by the account mechanism and records the deduction success receipt, and the second forwarding module forwards the deduction success receipt to the acceptance mechanism so that the acceptance mechanism forwards the deduction success receipt to the preset supervision mechanism. The device can timely find out the condition that the correspondence of the transaction request and the receipt of the deduction success is inconsistent, effectively overcomes the defect that a transaction channel is applied, ensures the consistency of transaction information received by both transaction parties, further ensures the authenticity of the transaction, reduces the transaction risk and reduces the customer complaint risk generated by the transaction.

As an optional embodiment of the present application, the apparatus further comprises:

the recording module is used for recording transaction information in the transaction request, wherein the transaction information comprises identification information corresponding to a preset supervision organization.

The generation module is used for matching the transaction information with the deduction success receipt, and generating a target reconciliation file based on the matched transaction information and the deduction success receipt, wherein the target reconciliation file comprises a transaction record file generated by the transaction request corresponding to a preset supervision organization and a target rate.

the request receiving module is used for receiving a service downloading request of a preset supervision organization, wherein the service downloading request comprises identification information corresponding to the preset supervision organization.

And the downloading module is used for determining a target reconciliation file corresponding to the preset supervision mechanism based on the identification information.

And the transmission module is used for transmitting the target account checking file to a preset supervision mechanism.

As an alternative embodiment of the present application, after the first receiving module 31, before the first forwarding module 32, the apparatus further includes:

and the verification sub-module is used for carrying out second validity verification on the transaction request.

And the forwarding sub-module is used for forwarding the transaction request to the account mechanism if the transaction request passes the second validity check.

Example 5

The present embodiment provides a transaction information processing apparatus, which is applicable to a preset supervision organization to prevent a transaction channel from being applied, as shown in fig. 8, and includes:

the third receiving module 41 is configured to receive a transaction application initiated by the payee.

And the verification module 42 is configured to perform a first validity verification on the transaction application to verify whether the transaction application meets a requirement corresponding to the target rate.

A third forwarding module 43, configured to send a transaction request to the acceptance mechanism based on the transaction application if the transaction application passes the first validity check, so that the acceptance mechanism forwards the transaction request to the clearing mechanism, where the transaction request includes identification information corresponding to a preset supervision mechanism; the clearing mechanism is used for carrying out second validity check on the transaction request, and the account mechanism is used for carrying out deduction payment according to the transaction request and returning a deduction success receipt.

And a fourth receiving module 44, configured to receive the receipt of the successful receipt of the deduction forwarded by the acceptance mechanism.

And a fourth forwarding module 45, configured to forward the receipt of successful payment to the payee.

In the transaction information processing apparatus provided in this embodiment, the third receiving module receives the transaction application initiated by the payee, the verification module performs a first validity check on the transaction application to verify whether the transaction application meets the requirement corresponding to the target rate, when the transaction application passes the first validity check, the third forwarding module may send a transaction request to the acceptance mechanism based on the transaction application, so that the acceptance mechanism forwards the transaction request to the clearing mechanism, the clearing mechanism performs a second validity check on the received transaction request, the account mechanism is used to perform payment deduction according to the transaction request and return a payment successful receipt, and the fourth receiving module receives the payment successful receipt forwarded by the acceptance mechanism and forwards the payment successful receipt to the payee. The device effectively ensures the authenticity of the transaction of both sides of the transaction, reduces the transaction risk, and further reduces the customer complaint risk generated by the transaction.

the system comprises a transmission module, a clearing mechanism and a target accounting file, wherein the transmission module is used for transmitting a service downloading request to the clearing mechanism, the service downloading request comprises identification information corresponding to a preset supervision mechanism, the service downloading request is used for downloading a target accounting file corresponding to the preset supervision mechanism, and the target accounting file comprises a transaction record file generated by a transaction request corresponding to the preset supervision mechanism and a target rate.

And the file receiving module is used for receiving the target reconciliation file transmitted by the clearing mechanism.

Example 6

The embodiment of the invention also provides a transaction processing system, as shown in fig. 9, which comprises: payee 51, preset authority 52, acceptance authority 53, clearing institution 54, and account institution 55. The payee 51 is in communication with the receiving means 53 via a preset supervision means 52; the clearing house 54 is communicatively connected to the receiving house 53, the account house 55, and the preset supervising house 52.

The preset supervision mechanism 52 is configured to receive a transaction application initiated by the payee 51, and perform a first validity check on the transaction application; the accepting mechanism 53 is configured to receive a transaction request sent by a transaction application that passes the first validity check, and forward the transaction request to the clearing mechanism 54; the clearing mechanism 54 is configured to perform a second validity check on the transaction request, and forward the transaction request that passes the second validity check to the account mechanism 55; receiving a successful receipt of the deduction returned by the account mechanism 55, and forwarding the successful receipt of the deduction to the acceptance mechanism 53 so that the acceptance mechanism 53 forwards the successful receipt of the deduction to the preset supervision mechanism 52; the account mechanism 55 is used to deduct money at a target rate corresponding to the transaction application and identification information and return a successful receipt of the deduction to the clearing mechanism 54. The specific description refers to the description of the corresponding parts of the method embodiments, and will not be repeated here.

The transaction processing system provided by the embodiment comprises a payee, a preset supervision mechanism, an acceptance mechanism, a clearing mechanism and an account mechanism, wherein the payee is in communication connection with the acceptance mechanism through the preset supervision mechanism, and the clearing mechanism is in communication connection with the acceptance mechanism, the account mechanism and the preset supervision mechanism. The transaction request forwarded by the acceptance mechanism received by the clearing mechanism passes through the first validity check of the preset supervision mechanism, the transaction request comprises the identification information corresponding to the preset supervision mechanism, the clearing mechanism performs the second validity check on the transaction request received by the clearing mechanism, and the transaction request passing through the second validity check is forwarded to the account mechanism, so that the account structure can deduct money according to the transaction request corresponding to the preset supervision mechanism and the target rate, and the fund loss of the account mechanism is avoided; after the account mechanism finishes deduction, a successful deduction receipt can be generated and sent to the acceptance mechanism, and then the acceptance mechanism forwards the successful deduction receipt to the preset supervision mechanism, so that the consistency of transaction information received by both transaction parties is effectively ensured, the authenticity of the transaction is further ensured, the transaction risk is reduced, and meanwhile, the preset supervision mechanism can correspond the successful deduction receipt to the corresponding transaction request after receiving the successful deduction receipt, thereby overcoming the defect that a transaction channel is applied mechanically; through presetting the supervision mechanism to the transaction application verification of target rate, then transmit corresponding transaction request to the accepting mechanism, transmit to the clearing mechanism again and carry out subsequent processing and record, avoided the direct butt joint accepting mechanism of payee to realize the independent supervision to the transaction application of target rate, can avoid this rate to be illegally applied, effectively guaranteed the authenticity of trade both sides trade, reduced the transaction risk, and then reduced the customer complaint risk that produces because of the trade.

As an alternative embodiment of the present application, the clearing house 54 is also configured to:

recording transaction information in a transaction request, matching the transaction information with a deduction success receipt, and generating a target reconciliation file based on the matched transaction information and the deduction success receipt, wherein the target reconciliation file comprises a transaction record file generated by the transaction request corresponding to a preset supervision organization and a target rate; the specific description refers to the description of the corresponding parts of the method embodiments, and will not be repeated here.

Receiving a service downloading request of a preset supervision organization 52, and determining a target reconciliation file corresponding to the preset supervision organization 52 based on identification information corresponding to the preset supervision organization 52 contained in the service downloading request; the target reconciliation file is transmitted to the preset authority 52. The specific description refers to the description of the corresponding parts of the method embodiments, and will not be repeated here.

As an alternative embodiment of the present application, preset authorities 52 are also configured to:

a service download request is sent to clearing house 54, the service download request containing identification information corresponding to preset authority 52 for downloading a target reconciliation file corresponding to preset authority 52. The specific description refers to the description of the corresponding parts of the method embodiments, and will not be repeated here.

A target reconciliation file transmitted by the clearing house 54 is received. The specific description refers to the description of the corresponding parts of the method embodiments, and will not be repeated here.

Example 7

The embodiment of the present invention further provides a computer device, as shown in fig. 10, which includes a processor 51 and a memory 52, where the processor 51 and the memory 52 may be connected by a bus or other means, and in fig. 10, the connection is exemplified by the bus 50.

The processor 51 may be a central processing unit (Central Processing Unit, CPU). The processor 51 may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSP), graphics processors (Graphics Processing Unit, GPU), embedded Neural network processor (Neural-network Processing Unit, NPU) or other dedicated deep learning coprocessors, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field-programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or a combination of the above.

The memory 52 is used as a non-transitory computer readable storage medium, and may be used to store non-transitory software programs, non-transitory computer executable programs, and modules, such as program instructions/modules corresponding to the transaction processing method in the embodiment of the present invention (e.g., the first receiving module 31, the first forwarding module 32, the second receiving module 33, and the second forwarding module 35 shown in fig. 7; the third receiving module 41, the verification module 42, the third forwarding module 43, the fourth receiving module 44, and the fourth forwarding module 45 shown in fig. 8). The processor 51 executes various functional applications of the processor and data processing, i.e., implements the transaction processing methods in the method embodiments described above, by running non-transitory software programs, instructions, and modules stored in the memory 52.

Memory 52 may include a storage program area that may store an operating system, at least one application program required for functionality, and a storage data area; the storage data area may store data created by the processor 51, etc. In addition, memory 52 may include high-speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, memory 52 may optionally include memory located remotely from processor 51, which may be connected to processor 51 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The one or more modules are stored in the memory 52 and when executed by the processor 51 perform the transaction processing methods of the embodiments shown in fig. 1-6.

The transaction request forwarded by the acceptance mechanism received by the clearing mechanism is subjected to the first validity check of the preset supervision mechanism, and the transaction request comprises the identification information corresponding to the preset supervision mechanism, so that the account structure can deduct money according to the transaction request corresponding to the preset supervision mechanism and the target rate, thereby avoiding the fund loss of the account mechanism; after the account mechanism finishes deduction, a successful deduction receipt can be generated and sent to the acceptance mechanism, and then the acceptance mechanism forwards the successful deduction receipt to the preset supervision mechanism, so that the consistency of transaction information received by both transaction parties is effectively ensured, the authenticity of the transaction is further ensured, the transaction risk is reduced, and meanwhile, the preset supervision mechanism can correspond the successful deduction receipt to the corresponding transaction request after receiving the successful deduction receipt, thereby overcoming the defect that a transaction channel is applied mechanically, and further reducing the customer complaint risk generated by the transaction.

The method comprises the steps of receiving a transaction application initiated by a payee, performing first validity check on the transaction application initiated by the payee to ensure that the received transaction application corresponds to a target rate, initiating a transaction request to an acceptance mechanism by the transaction application passing through the first validity check, forwarding the transaction request to a clearing mechanism by the acceptance mechanism, performing second validity check on the received transaction request by the clearing mechanism, forwarding the transaction request passing through the second validity check to an account mechanism, performing deduction payment corresponding to the target rate according to transaction information of the transaction request by the account mechanism, forwarding a deduction success receipt to the acceptance mechanism by the clearing mechanism after the deduction payment is completed by the account mechanism, forwarding the deduction success receipt to a preset supervision mechanism by the acceptance mechanism, and forwarding the deduction success receipt received by the preset supervision mechanism to the payee. Through presetting the supervision mechanism to the transaction application verification of target rate, then transmit corresponding transaction request to the accepting mechanism, transmit to the clearing mechanism again and carry out subsequent processing and record, avoided the direct butt joint accepting mechanism of payee to realize the independent supervision to the transaction application of target rate, can avoid this rate to be illegally applied, effectively guaranteed the authenticity of trade both sides trade, reduced the transaction risk, and then reduced the customer complaint risk that produces because of the trade.

The details of the above-mentioned computer device may be understood correspondingly with respect to the corresponding relevant descriptions and effects in the embodiments shown in fig. 1 to 8, and will not be repeated here.

Embodiments of the present invention also provide a non-transitory computer storage medium storing computer-executable instructions that are capable of performing the transaction processing method of any of the method embodiments described above. Wherein the storage medium may be a magnetic Disk, an optical Disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a Flash Memory (Flash Memory), a Hard Disk (HDD), or a Solid State Drive (SSD); the storage medium may also comprise a combination of memories of the kind described above.

It is apparent that the above examples are given by way of illustration only and are not limiting of the embodiments. Other variations or modifications of the above teachings will be apparent to those of ordinary skill in the art. It is not necessary here nor is it exhaustive of all embodiments. While still being apparent from variations or modifications that may be made by those skilled in the art are within the scope of the invention.

Claims

1. A transaction processing method performed by a clearing house, wherein the method comprises:

receiving a transaction request forwarded by an acceptance mechanism, wherein the transaction request is subjected to first validity check on a transaction application initiated by a payee by a preset supervision mechanism, and is sent to the acceptance mechanism after the first validity check is passed, and the transaction request contains identification information corresponding to the preset supervision mechanism; the first validity check is a transaction request signature verification or a transaction message validity check;

performing a second validity check on the transaction request, wherein the second validity check is used for verifying whether the received transaction request is real or legal, and the second validity check is a transaction request verification or transaction message validity check;

if the transaction request passes the second validity check, forwarding the transaction request to an account mechanism for deduction according to a target rate, wherein the target rate corresponds to the transaction application and the identification information;

receiving a successful receipt of the deduction sent by the account mechanism, and recording the successful receipt of the deduction;

and forwarding the successful receipt of the deduction to the acceptance mechanism so that the acceptance mechanism forwards the successful receipt of the deduction to the preset supervision mechanism.

2. The method of claim 1, further comprising:

recording transaction information in the transaction request, wherein the transaction information comprises the identification information corresponding to the preset supervision organization;

and matching the transaction information with the deduction success receipt, and generating a target reconciliation file based on the matched transaction information and the deduction success receipt, wherein the target reconciliation file comprises a transaction record file generated by the transaction request corresponding to the preset supervision mechanism and the target rate.

3. The method of claim 2, further comprising:

receiving a service downloading request of the preset supervision mechanism, wherein the service downloading request comprises the identification information corresponding to the preset supervision mechanism;

determining the target reconciliation file corresponding to the preset supervision mechanism based on the identification information;

and transmitting the target reconciliation file to the preset supervision mechanism.

4. A transaction processing method performed by a preset regulatory agency, wherein the method comprises:

receiving a transaction application initiated by a payee;

performing first validity check on the transaction application to verify whether the transaction application meets the requirement corresponding to the target rate;

Under the condition that the transaction application passes the first validity check, a transaction request is sent to an acceptance mechanism based on the transaction application so that the acceptance mechanism can forward the transaction request to a clearing mechanism, wherein the transaction request contains identification information corresponding to the preset supervision mechanism; the clearing mechanism is used for carrying out second validity check on the transaction request, and the account mechanism is used for carrying out deduction payment according to the transaction request and returning a deduction success receipt;

receiving the receipt of successful deduction forwarded by the acceptance mechanism;

forwarding the deduction success receipt to the payee;

the first validity check is a transaction request signature verification or a transaction message validity check; the second validity check is used for verifying whether the received transaction request is real or legal, and the second validity check is a transaction request verification sign or a transaction message validity check.

5. The method of claim 4, further comprising:

a service downloading request is sent to the clearing mechanism, wherein the service downloading request comprises the identification information corresponding to the preset supervision mechanism and is used for downloading a target reconciliation file corresponding to the preset supervision mechanism, and the target reconciliation file comprises a transaction record file generated by the transaction request corresponding to the preset supervision mechanism and the target rate;

And receiving the target reconciliation file transmitted by the clearing mechanism.

6. A transaction processing system, comprising: the system comprises a payee, a preset supervision mechanism, a acceptance mechanism, a clearing mechanism and an account mechanism; the payee is in communication connection with the acceptance mechanism through the preset supervision mechanism; the clearing mechanism is in communication connection with the acceptance mechanism, the account mechanism and the preset supervision mechanism;

the preset supervision mechanism is used for receiving a transaction application initiated by a payee and carrying out first validity check on the transaction application;

the acceptance mechanism is used for receiving a transaction request sent by the transaction application passing the first validity check and forwarding the transaction request to the clearing mechanism; wherein the transaction request contains identification information corresponding to the preset supervision organization;

the clearing mechanism is used for carrying out second legal verification on the transaction request and forwarding the transaction request passing the second legal verification to the account mechanism; receiving a successful receipt of the deduction returned by the account mechanism, and forwarding the successful receipt of the deduction to the acceptance mechanism so that the acceptance mechanism forwards the successful receipt of the deduction to the preset supervision mechanism;

The account mechanism is used for deducting money according to a target rate and returning a successful deduction receipt to the clearing mechanism, wherein the target rate corresponds to the transaction application and the identification information;

7. The system of claim 6, wherein the clearing mechanism is further configured to:

recording transaction information in the transaction request, matching the transaction information with the deduction success receipt, and generating a target reconciliation file based on the matched transaction information and the deduction success receipt, wherein the target reconciliation file comprises transaction record files generated by the transaction request corresponding to the preset supervision mechanism and the target rate;

receiving a service downloading request of the preset supervision mechanism, and determining the target reconciliation file corresponding to the preset supervision mechanism based on identification information corresponding to the preset supervision mechanism contained in the service downloading request; and transmitting the target reconciliation file to the preset supervision mechanism.

8. The system of claim 7, wherein the preset authority is further to:

a service downloading request is sent to the clearing mechanism, wherein the service downloading request comprises the identification information corresponding to the preset supervision mechanism and is used for downloading a target reconciliation file corresponding to the preset supervision mechanism;

9. A transaction processing device for a clearing house, comprising:

the transaction system comprises a first receiving module, a receiving mechanism and a receiving mechanism, wherein the first receiving module is used for receiving a transaction request forwarded by the receiving mechanism, the transaction request is subjected to first validity check on a transaction application initiated by a payee by a preset supervision mechanism, and the transaction request is sent to the receiving mechanism after the verification is passed, wherein the transaction request contains identification information corresponding to the preset supervision mechanism; the first validity check is a transaction request signature verification or a transaction message validity check;

the verification sub-module is used for carrying out second validity verification on the transaction request, wherein the second validity verification is used for verifying whether the received transaction request is real or not and whether the received transaction request is legal or not, and the second validity verification is a transaction request verification sign or a transaction message validity verification;

The first forwarding module is used for forwarding the transaction request to an account mechanism if the transaction request passes the second validity check so that the account mechanism can deduct money according to a target rate, and the target rate corresponds to the transaction application and the identification information;

the second receiving module is used for receiving the successful receipt of the deduction sent by the account mechanism and recording the successful receipt of the deduction;

and the second forwarding module is used for forwarding the successful receipt of the deduction to the acceptance mechanism so that the acceptance mechanism forwards the successful receipt of the deduction to the preset supervision mechanism.

10. A transaction processing device for a preset regulatory agency, comprising:

the third receiving module is used for receiving a transaction application initiated by a payee;

the verification module is used for carrying out first validity verification on the transaction application so as to verify whether the transaction application meets the requirement corresponding to the target rate;

the third forwarding module is used for sending a transaction request to an acceptance mechanism based on the transaction application under the condition that the transaction application passes the first validity check so that the acceptance mechanism forwards the transaction request to a clearing mechanism, and the transaction request contains identification information corresponding to the preset supervision mechanism; the clearing mechanism is used for carrying out second validity check on the transaction request, and the account mechanism is used for carrying out deduction payment according to the transaction request and returning a deduction success receipt;

A fourth receiving module, configured to receive the receipt of successful deduction forwarded by the acceptance mechanism;

a fourth forwarding module, configured to forward the payment successful receipt to the payee;

11. A computer device, comprising: a memory and a processor in communication with each other, the memory having stored therein computer instructions, the processor executing the computer instructions to perform the transaction processing method of any of claims 1-3 or 4-5.

12. A computer-readable storage medium, wherein the computer-readable storage medium stores computer instructions for causing the computer to perform the transaction processing method of any one of claims 1-3 or 4-5.