CN112613884A

CN112613884A - Transaction data processing method, device, equipment and system

Info

Publication number: CN112613884A
Application number: CN202011422222.4A
Authority: CN
Inventors: 刘晓萌
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-12-08
Filing date: 2020-12-08
Publication date: 2021-04-06

Abstract

The description provides a transaction data processing method, a device, equipment and a system, by setting an intermediate account, when determining that a pending transaction may have a risk, transaction resources are temporarily stored in the intermediate account, so that when determining that the pending transaction has the risk, the transaction resources of the pending transaction cannot be transferred by a resource receiver, funds are conveniently recovered, the efficiency of recovering the funds in the pending transaction and the security of the transaction are improved, and the cost of recovering the funds in the pending transaction is reduced. Meanwhile, the resource receiving user can inquire the amount of money corresponding to the transaction resources added with the transaction to be processed in the resource receiving account of the resource receiving user, so that the perception of the resource receiving user in the whole process is reduced, the public opinion risk is reduced, and the user experience is improved.

Description

Transaction data processing method, device, equipment and system

Technical Field

The present disclosure relates to computer technologies, and in particular, to a method, an apparatus, a device, and a system for processing transaction data.

Background

With the development of computer technology, online transactions are as follows: the online payment and online transfer have more and more scenes, so that the life of a user is facilitated, the user can finish corresponding transactions without going out, but the security of the online transactions is particularly important. Some lawbreakers may use computer internet technology to perform illegal fraud, guide users to conduct transactions, and some users are especially vulnerable to such things as: old user, easy degree of depth is deceived, can't in time be awaken, even is reminded the back, still can continue the transaction. Therefore, risk control is required to be carried out after the transaction is completed, and the fraudulent transaction amount is not easy to be recovered, which is not beneficial to the management of transaction safety.

Disclosure of Invention

An embodiment of the specification aims to provide a transaction data processing method, a transaction data processing device, transaction data processing equipment and a transaction data processing system, and safety of transaction data is improved.

In a first aspect, an embodiment of the present specification provides a transaction data processing method, including:

when the risk threshold value of the transaction to be processed is determined to be larger than a first risk threshold value, transferring transaction resources of a resource expenditure user in the transaction to be processed into an intermediate account, and setting the control time of the transaction resources in the intermediate account;

setting the balance of a resource receiving account of a resource receiving user in the transaction to be processed to be increased by the amount corresponding to the transaction resource;

and sending a risk transaction reporting interface to the resource expenditure user so that the resource expenditure user can carry out risk confirmation on the transaction to be processed.

In a second aspect, the present specification provides a method of transaction data processing, the method comprising:

submitting a transaction to be processed so that a payment platform carries out risk identification on the transaction to be processed;

receiving a risk transaction reporting interface sent by the payment platform after the payment platform identifies that the risk threshold of the transaction to be processed is greater than a first risk threshold; after the payment platform determines that the risk threshold of the transaction to be processed is larger than a first risk threshold, transferring transaction resources of a resource expenditure user in the transaction to be processed into an intermediate account, and setting the control time of the transaction resources in the intermediate account;

after determining that the transaction to be processed has risks, submitting a risk reporting request to the payment platform through the risk transaction reporting interface within the control time;

and receiving resource return information returned by the transaction resources stored in the intermediate account by the payment platform after the risk reporting request is determined to be reported successfully.

In a third aspect, the present specification provides a transaction data processing apparatus comprising:

the transaction resource control module is used for transferring transaction resources of a resource expenditure user in the transaction to be processed into an intermediate account and setting control time of the transaction resources in the intermediate account when the risk threshold of the transaction to be processed is determined to be larger than a first risk threshold;

the balance display processing module is used for setting and increasing the balance of a resource receiving account of a resource receiving user in the transaction to be processed by the amount corresponding to the transaction resource;

and the reporting interface sending module is used for sending a risk transaction reporting interface to the resource expenditure user so as to ensure that the resource expenditure user carries out risk confirmation on the transaction to be processed.

In a fourth aspect, the present specification provides a transaction data processing apparatus comprising:

the transaction submitting module is used for submitting the transaction to be processed so that the payment platform can carry out risk identification on the transaction to be processed;

the reporting interface receiving module is used for receiving a risk transaction reporting interface sent by the payment platform after the payment platform recognizes that the risk threshold of the transaction to be processed is larger than a first risk threshold; after the payment platform determines that the risk threshold of the transaction to be processed is larger than a first risk threshold, transferring transaction resources of a resource expenditure user in the transaction to be processed into an intermediate account, and setting the control time of the transaction resources in the intermediate account;

the risk reporting module is used for submitting a risk reporting request to the payment platform through the risk transaction reporting interface within the control time after determining that the transaction to be processed has a risk;

and the return resource receiving module is used for receiving resource return information returned by the transaction resources stored in the intermediate account by the payment platform after the risk reporting request is determined to be reported successfully.

In a fifth aspect, embodiments of the present specification provide a transaction data processing device, including at least one processor and a memory for storing processor-executable instructions, which when executed by the processor implement the transaction data processing method of the first or second aspect.

In a sixth aspect, an embodiment of the present specification provides a transaction data processing system, including: the system comprises a payment platform, a resource expenditure terminal and a resource receiving terminal;

wherein the resource expenditure terminal comprises at least one processor and a memory for storing processor-executable instructions, which when executed by the processor implement the method of the second aspect above for sending a pending transaction to the payment platform;

the payment platform comprises at least one processor and a memory for storing processor-executable instructions, wherein the processor executes the instructions to implement the method of the first aspect;

the resource receiving terminal is used for conducting transaction with the resource expenditure terminal and receiving the use limiting prompt information sent by the payment platform when the payment platform recognizes that the risk threshold of the transaction to be processed is larger than the first risk threshold.

According to the transaction data processing method, the transaction data processing device, the transaction data processing equipment and the transaction data processing system, by setting the intermediate account, when the to-be-processed transaction is determined to possibly have risks, the transaction resources are temporarily stored in the intermediate account, so that when the to-be-processed transaction is determined to have risks, the transaction resources of the to-be-processed transaction cannot be transferred by the resource receiving party, funds can be conveniently recovered, the efficiency of recovering the funds in the risk transaction and the safety of the transaction are improved, and the cost of recovering the funds in the risk transaction is reduced. Meanwhile, the resource receiving user can inquire the amount of money corresponding to the transaction resources added with the transaction to be processed in the resource receiving account of the resource receiving user, so that the perception of the resource receiving user in the whole process is reduced, the public opinion risk is reduced, and the user experience is improved.

Drawings

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

FIG. 1 is a schematic flow chart diagram of an embodiment of a transaction data processing method provided by an embodiment of the present description;

FIG. 2 is a schematic diagram of a reminder interface for a payee in one embodiment of the disclosure;

FIG. 3 is a schematic diagram of an interface of a risk transaction reporting interface in one embodiment of the present description;

FIG. 4 is a schematic flow chart diagram of a transaction data processing method in yet another embodiment of the present description;

FIG. 5 is a schematic diagram of transaction risk management in an example scenario of the present specification;

FIG. 6 is a schematic flow diagram of transaction resources in transaction data processing in an example scenario of the present specification;

fig. 7 is a block diagram of an embodiment of a transaction data processing device provided in the present specification.

Fig. 8 is a block diagram of another embodiment of a transaction data processing device provided in the present specification.

Fig. 9 is a block diagram showing a hardware configuration of a transaction data processing server in one embodiment of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

With the development of computer technology, illegal users who utilize computer internet technology to carry out illegal activities are more and more, and many users are deceived deeply and cannot be found out in time, thereby causing loss. Still some users find that after being reported by cheat, the cheated funds are difficult to return, so that the safety of the users to the online transaction is reduced.

Fig. 1 is a schematic flow chart of an embodiment of a transaction data processing method provided in an embodiment of the present specification. Although the present specification provides the method steps or apparatus structures as shown in the following examples or figures, more or less steps or modules may be included in the method or apparatus structures based on conventional or non-inventive efforts. In the case of steps or structures which do not logically have the necessary cause and effect relationship, the execution order of the steps or the block structure of the apparatus is not limited to the execution order or the block structure shown in the embodiments or the drawings of the present specification. When the described method or module structure is applied to a device, a server or an end product in practice, the method or module structure according to the embodiment or the figures may be executed sequentially or in parallel (for example, in a parallel processor or multi-thread processing environment, or even in an implementation environment including distributed processing and server clustering).

In a specific embodiment of the transaction data processing method provided in this specification, as shown in fig. 1, the method may be applied to a payment platform or a risk management and control system, and specifically may be a terminal such as a computer, a tablet computer, a server, a smart phone, and the method may include the following steps:

step 102, when the risk threshold of the transaction to be processed is determined to be larger than the first risk threshold, transferring the transaction resource of the resource expenditure user in the transaction to be processed into an intermediate account, and setting the control time of the transaction resource in the intermediate account.

In a specific implementation process, a user may submit a pending transaction, a payment platform or a risk management and control system may perform risk identification on the pending transaction, and if it is identified that a risk threshold of the pending transaction is greater than a first risk threshold, it is determined that the pending transaction may have a risk. At this time, the transaction resources of the resource expenditure user in the pending transaction can be transferred to the intermediate account, wherein the resource expenditure user can be understood as a user who transfers funds in the pending transaction, that is, a payer, the transaction resources can be understood as a transaction amount of the pending transaction, and the intermediate account can be understood as a non-real account, can exist as a medium, does not belong to any person, has neutral and fair attributes, and is specially used for temporarily storing the transaction resources of the transaction with possible risks. After the transaction resources of the transaction to be processed are transferred to the intermediate account, the control time of the transaction resources in the intermediate account can be set, the control time can be understood as the time that the transaction resources need to be stored in the intermediate account, and the specific values of the control time can be set according to actual needs as follows: 2 hours, 12 hours, 24 hours, etc.

The method for identifying the risk of the transaction to be processed is not the key point of the embodiment of the specification, such as: a risk identification model and the like may be used, and this is not particularly limited in the embodiments of the present specification.

And step 104, setting the balance of the resource receiving account of the resource receiving user in the transaction to be processed to be increased by the amount corresponding to the transaction resource.

In a specific implementation process, after the transaction resource transferred by the resource expenditure user in the transaction to be processed is transferred to the intermediate account, the balance of the resource receiving account of the resource receiving user in the transaction to be processed can be increased by the amount corresponding to the transaction resource, such as: if the original account balance in the resource receiving account is 100 yuan and the transaction resource of the transaction to be processed is 30 yuan, then if the resource receiving user inquires the balance of the resource receiving account, 130 yuan is displayed. Therefore, the resource receiving user can inquire the resource of the transaction to be processed when inquiring the balance, so that the risk control processing resource receiving party of the transaction to be processed is not sensitive, the user experience is improved, and meanwhile, the phenomenon that the fund psychology of the transaction to be processed is panic if the resource receiving user cannot inquire the fund psychology of the transaction to be processed is avoided. Wherein the resource receives the user, i.e., the payee in the pending transaction.

It should be noted that although the resource receiving user can query the transaction resource corresponding to the pending transaction, the transaction resource is temporarily stored in the intermediate account, and cannot be used by the resource receiving user.

In some embodiments of this specification, after the setting of the balance of the resource receiving account of the resource receiving user in the transaction to be processed is increased by the amount corresponding to the transaction resource, the method further includes:

and sending a transaction risk existing in the transaction to be processed to the resource receiving user, wherein the transaction resource corresponding to the transaction to be processed is limited to use and prompt information within the control time.

In a specific implementation process, after transaction resources are added to the account balance of the resource receiving account, the use limiting prompt information can be sent to the resource receiving user at the same time, the resource receiving user, namely the payee, can be prompted to have a transaction risk in the current to-be-processed transaction, and the transaction resources corresponding to the to-be-processed transaction are limited to be used within the control time. Fig. 2 is a schematic diagram of a prompt information interface of the payee in an embodiment of the present disclosure, and as shown in fig. 2, the payee may be prompted to limit the reason for use, limit the resource information for use, and limit the time range for use. By sending the use limiting prompt information to the resource receiving user, the safety of the resource receiving user can be improved, the reason that the current transaction resource cannot be used temporarily is informed, and the public opinion risk is reduced. Of course, the use restriction prompting message may also include other contents according to actual use needs, such as: and the material submitting interface is used for facilitating the resource receiving user to provide materials to prove that the transaction is a safe transaction, and performing control analysis on transaction resources as soon as possible.

And 106, sending a risk transaction reporting interface to the resource expenditure user so that the resource expenditure user can carry out risk confirmation on the transaction to be processed.

In a specific implementation process, fig. 3 is an interface schematic diagram of a risk transaction reporting interface in an embodiment of this specification, and as shown in fig. 3, after transferring transaction resources of a transaction to be processed to an intermediate account, a risk transaction reporting interface may be sent to a resource expenditure user in the transaction to be processed, and in the risk transaction reporting interface, a risk may be prompted to exist in a current transaction to be processed, and a user is prompted to report through the risk transaction reporting interface within a control time.

In some embodiments of the present description, the method further comprises:

and if a risk reporting request submitted by the resource expenditure user is received within the control time and the risk reporting request is successfully reported, determining that the transaction to be processed has risk, and returning the transaction resources to the resource expenditure account of the resource expenditure user from the intermediate account.

In a specific implementation process, if the resource expenditure user submits the risk reporting request within the transaction resource control time, the report submitted by the user can be checked, and if the report is determined to be legal and qualified, the report of the risk reporting request can be determined to be successful, that is, the to-be-processed transaction really has a risk, at this time, the transaction resources related to the to-be-processed transaction can be returned to the resource expenditure account of the resource expenditure user from the intermediate account. By setting the intermediate account, when the pending transaction is determined to have a risk possibly, the transaction resources are temporarily stored in the intermediate account, and after the pending transaction is determined to have the risk indeed, the transaction resources are directly returned to the payer from the intermediate account without the need of recovering funds from the payee, so that the fund recovery cost and time of the risky transaction are reduced, and the safety of the online transaction is improved.

In some embodiments of the present description, the method further comprises:

after receiving a risk reporting request submitted by the resource expenditure user, prolonging the control time and guiding the resource expenditure user to submit reporting materials;

determining whether the risk reporting request is reported successfully based on the reporting material.

In a specific implementation process, general management and control time is short, inconvenience brought to a resource receiving user is avoided, after a risk reporting request submitted by a resource expenditure user is received, the resource expenditure user can be considered to have suspicion about the transaction, the possibility that the transaction has risk is high to a certain extent, at the moment, the management and control time of transaction resources of the transaction to be processed can be prolonged, so that sufficient time is provided for submitting reporting materials for the resource expenditure user and performing further risk identification on the transaction to be processed, and accuracy of transaction risk management and control and security of the transaction are ensured.

Generally, a resource expenditure user can submit a risk reporting request through a risk transaction reporting interface, and the risk transaction reporting interface can also guide reporting materials that the resource expenditure user needs to submit, and further risk identification is performed on a transaction to be processed based on the reporting materials submitted by the resource expenditure user so as to determine whether the transaction to be processed really has risk. If it is determined that the pending transaction does have a risk based on the reporting material, the risk reporting request submitted by the resource expenditure user may be considered successful, otherwise, the risk reporting request is determined to have failed.

In some embodiments of the present description, the method further comprises:

and if the risk reporting request is determined to be not reported successfully based on the reporting material, determining that the transaction to be processed has no risk, and transferring the transaction resource from the intermediate account to a resource receiving account of the resource receiving user.

In a specific implementation process, if it is found that the reporting material is not real and incomplete based on the reporting material submitted by the user, and it cannot be determined whether the transaction to be processed really has a risk, it can be considered that the risk reporting request is not successful, that is, the transaction to be processed does not have a risk, at this time, the transaction resource with the intermediate account can be transferred to the resource receiving account of the resource receiving user, that is, the limited use of the transaction resource is released, and the resource receiving user can use the transaction resource. By further verifying and auditing the reporting materials submitted by the resource expenditure users, deep identification and confirmation are carried out on whether the transaction risk exists in the transaction to be processed, and after the fact that the risk does not exist in the transaction to be processed is determined, the transaction resources of the transaction to be processed are immediately released, so that the resource receiving users can use the transaction resources in time, the transaction safety is improved, meanwhile, the user experience is improved, and the public opinion risk is reduced.

In some embodiments of the present description, the method further comprises:

and if the risk reporting request submitted by the resource expenditure user is not received within the control time, determining that the transaction to be processed has no risk, and transferring the transaction resource from the intermediate account to a resource receiving account of the resource receiving user.

In a specific implementation process, after the payment platform or the risk management and control system sends a risk transaction reporting interface to the resource expenditure user, if the resource expenditure user determines that the pending transaction has no risk, the risk reporting may not be performed. If the risk reporting request submitted by the resource expenditure user is not received within the control time of the transaction resource of the transaction to be processed, the transaction resource of the transaction to be processed is released immediately, and the transaction resource can be transferred from the intermediate account to the resource receiving account of the resource receiving user. The resource receiving user can use the transaction resource in time, the transaction safety is improved, meanwhile, the user experience is improved, and public opinion risks are reduced.

Of course, if the resource expenditure user determines that the pending transaction has no risk, the resource expenditure user may also send confirmation information to the payment platform or the risk management and control system through the risk transaction reporting interface to confirm that the pending transaction has no risk and is not reported, so that the transaction resources of the pending transaction can be released as soon as possible.

In the transaction data processing method provided in the embodiment of the present specification, by setting the intermediate account, when it is determined that the pending transaction may have a risk, the transaction resources are temporarily stored in the intermediate account, so that when it is determined that the pending transaction has a risk, the transaction resources of the pending transaction are not transferred by the resource receiving party, thus facilitating the fund recovery, improving the fund recovery efficiency and the transaction security in the risky transaction, and reducing the fund recovery cost of the risky transaction. Meanwhile, the resource receiving user can inquire the amount of money corresponding to the transaction resources added with the transaction to be processed in the resource receiving account of the resource receiving user, so that the perception of the resource receiving user in the whole process is reduced, the public opinion risk is reduced, and the user experience is improved.

On the basis of the above embodiments, in some embodiments of the present specification, the method further includes:

if the risk threshold of the transaction to be processed is larger than a second risk threshold, sending an outbound wake-up request to an external incoming call system so that the external incoming call system sends a wake-up call to the resource expenditure user; wherein the second risk threshold is greater than the first risk threshold.

In the specific implementation process, some users may be deceived deeply, and even if the risk transaction reporting interface is received, the users cannot be found in time and cannot report. For higher risk transactions, such as: if the risk threshold of the pending transaction is identified to be greater than the second risk threshold when the risk of the pending transaction is identified, the risk of the pending transaction may be considered to be relatively high. The second risk threshold is greater than the first risk threshold, and specific values of the first risk threshold and the second risk threshold may be set according to actual needs, which is not specifically limited in the embodiments of the present specification. Upon determining that the risk threshold for pending transactions is greater than the second risk threshold, an external call capability may be introduced, such as: the outbound wake-up request can be sent to the external incoming call system, so that the external incoming call system can remind relevant staff to send a wake-up call to the resource expenditure user, and the wake-up call can be understood as a manual active contact for the resource expenditure user, such as: the method has the advantages that the risk of the transaction of the resource expenditure user can be manually prompted during the awakening call by dialing the telephone or sending voice, the reason of the high risk or similar cases can be explained, the trust degree of the resource expenditure user is increased, and the alertness of the resource expenditure user to the transaction to be processed is improved.

Fig. 4 is a flow chart of a transaction data processing method in another embodiment of the present disclosure, which can be applied to a client of a payer, such as: in a computer, a smart phone, a tablet computer, and the like, as shown in fig. 4, in an embodiment of this specification, a method performed by a client of a payer may include:

step 402, submitting the transaction to be processed so that the payment platform carries out risk identification on the transaction to be processed.

In a specific implementation process, a payer, i.e., a resource expenditure user, may submit a pending transaction through a client thereof, where the pending transaction may include transaction resources, i.e., a transaction amount, users of both parties of the transaction, i.e., a resource expenditure user, and a resource receiving user, and may also include other transaction information such as: order number, transaction type, transaction goods, etc. The payment platform or the risk management and control system may perform risk identification on the to-be-processed transaction, and the method of risk identification is not a key point in the embodiments of the present specification, for example: a risk identification model and the like may be used, and this is not particularly limited in the embodiments of the present specification.

Step 404, receiving a risk transaction reporting interface sent by the payment platform after identifying that the risk threshold of the to-be-processed transaction is greater than a first risk threshold; after the payment platform determines that the risk threshold of the transaction to be processed is larger than a first risk threshold, transferring transaction resources of a resource expenditure user in the transaction to be processed into an intermediate account, and setting the control time of the transaction resources in the intermediate account.

In a specific implementation, the payment platform recognizes that the risk threshold of the pending transaction is greater than the first risk threshold, i.e., considers that the pending transaction may be at risk. At this time, the transaction resources of the resource expenditure user in the transaction to be processed can be transferred to the intermediate account, the control time of the transaction resources in the intermediate account is set, meanwhile, the payment platform can also send a risk transaction reporting interface to the resource expenditure user in the transaction to be processed, the risk transaction reporting interface can prompt that the current transaction to be processed has a risk, and the user is prompted to report through the risk transaction reporting interface within the control time. The description of the above embodiments may be referred to for setting the control time, and details are not repeated here.

Step 406, after determining that the pending transaction has a risk, submitting a risk reporting request to the payment platform through the risk transaction reporting interface within the control time.

In a specific implementation process, after receiving a risk transaction reporting interface sent by a payment platform, a resource expenditure user can perform preliminary risk confirmation on the transaction to be processed by himself, and if the resource expenditure user thinks that the transaction to be processed really has a risk, a risk reporting request can be submitted to the payment platform through the risk transaction reporting interface sent by the payment platform within a control time, so that the transaction to be processed is subjected to risk reporting. The resource expenditure user can submit corresponding reporting materials according to the guidance and the prompt of the risk transaction reporting interface, so that the payment platform can conveniently conduct further risk audit on the transaction to be processed.

And step 408, receiving resource return information returned by the transaction resources stored in the intermediate account by the payment platform after the risk reporting request is determined to be reported successfully.

In a specific implementation process, after the payment platform determines that the risk reporting request submitted by the resource expenditure user is successfully reported, the payment platform can think that the transaction to be processed really has a risk and needs to intercept in time, can return the transaction resources of the transaction to be processed, which are stored in the intermediate account, to the resource expenditure account of the resource expenditure user, and send resource return information to the resource expenditure user to prompt the user that the transaction resources of the transaction are returned.

In the transaction data processing method provided in the embodiment of the present specification, by setting the intermediate account, when it is determined that the pending transaction may have a risk, the transaction resources are temporarily stored in the intermediate account, so that when it is determined that the pending transaction has a risk, the transaction resources of the pending transaction are not transferred by the resource receiving party, thus facilitating the fund recovery, improving the fund recovery efficiency and the transaction security in the risky transaction, and reducing the fund recovery cost of the risky transaction.

receiving a wake-up call sent by the payment platform, and performing risk confirmation on the transaction to be processed based on the wake-up call; wherein the wake-up call is sent by the payment platform after determining that the risk threshold of the pending transaction is greater than a second risk threshold, which is greater than the first risk threshold.

Fig. 5 is a schematic diagram of a principle of transaction risk management in an example scenario of the present specification, fig. 6 is a schematic diagram of a flow of transaction resources in transaction data processing in an example scenario of the present specification, and a transaction processing procedure in the embodiment of the present specification is specifically described below with reference to fig. 5 to 6:

the embodiment of the specification is mainly applied to a cheater money collection link in which the user still enforces payment after being reminded when the fact that the user has the cheated risk in the transaction is identified. Once the cheated user successfully pays, funds are directly transferred to the intermediate account for a specified time according to the risk level. As shown in fig. 5, during the payment process of the payer, the transaction may be risk-controlled, and as shown in the figure, the payee may be controlled by the control device. If the transaction is recognized to be risky, the paying party completes payment, reveals the risk, pushes a risk reporting interface to guide reporting, prolongs the control time, namely the punishment duration in the graph, and prompts the paying party to submit reporting materials. If the risk is higher, the ability of calling out is also introduced in the process to wake up the user in time. The payee can check the fund, but the fund cannot be turned out within the control time. Once the user reports and the fraud fact is established, corresponding official instructions and materials are issued, the payee account judicial is frozen and the funds can be returned as they are. If the transaction is confirmed to be risk-free, the limit can be removed, and the payee can be released immediately, thereby reducing public opinion. The payee inquires the balance of the user and displays the balance of the primary account and the amount of the intermediate account, pushes a safety prompt and informs the reason to increase the safety of the payee user.

As shown in fig. 6, the flow of funds (i.e., transaction resources) for pending transactions in the practice of the present specification is as follows:

1) if the transaction is identified as risky, then funds flow into the intermediary account for a specified length of time. Reporting and establishing by the user within the control time, freezing the account judicial of the payee, and returning the fund to the payer; if the user does not report within the time period, the funds flow into the payee account.

2) If no risk is identified for the transaction, the funds flow directly into the payee account.

In the embodiment of the specification, after expenditure is based on a paying party, the suspected fraud account is controlled in the intermediate account, so that the loss of the thought payment after deep fraud can be intercepted, the reconciliation and the loss recovery can be completed after a case is set, the transaction safety is improved, and the cost of the risk transaction fund recovery is reduced.

In the present specification, each embodiment of the method is described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. The relevant points can be obtained by referring to the partial description of the method embodiment.

Based on the transaction data processing method, one or more embodiments of the present specification further provide a device for transaction data processing. The apparatus may include systems (including distributed systems), software (applications), modules, components, servers, clients, etc. that use the methods described in embodiments of the present specification in conjunction with any necessary apparatus to implement the hardware. Based on the same innovative conception, embodiments of the present specification provide an apparatus as described in the following embodiments. Since the implementation scheme of the apparatus for solving the problem is similar to that of the method, the specific apparatus implementation in the embodiment of the present specification may refer to the implementation of the foregoing method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.

Specifically, fig. 7 is a schematic block structure diagram of an embodiment of the transaction data processing apparatus provided in this specification, which may be understood as a payment platform or a risk management and control system in the foregoing embodiment, as shown in fig. 7, the transaction data processing apparatus provided in this specification may include:

the transaction resource management and control module 71 is configured to transfer a transaction resource of a resource expenditure user in a to-be-processed transaction to an intermediate account and set management and control time of the transaction resource in the intermediate account when it is determined that a risk threshold of the to-be-processed transaction is greater than a first risk threshold;

a balance display processing module 72, configured to set a balance of a resource receiving account of the resource receiving user in the transaction to be processed to be increased by an amount corresponding to the transaction resource;

a reporting interface sending module 73, configured to send a risk transaction reporting interface to the resource expenditure user, so that the resource expenditure user performs risk confirmation on the transaction to be processed.

The transaction data processing apparatus provided in the embodiment of the present specification, by setting the intermediate account, when it is determined that the pending transaction may have a risk, temporarily stores the transaction resources in the intermediate account, so that when it is determined that the pending transaction has a risk, the transaction resources of the pending transaction are not transferred by the resource receiving party, thereby facilitating the fund recovery, improving the fund recovery efficiency and the transaction security in the risky transaction, and reducing the fund recovery cost of the risky transaction. Meanwhile, the resource receiving user can inquire the amount of money corresponding to the transaction resources added with the transaction to be processed in the resource receiving account of the resource receiving user, so that the perception of the resource receiving user in the whole process is reduced, the public opinion risk is reduced, and the user experience is improved.

In some embodiments of the present specification, the apparatus further includes a resource return module configured to:

The transaction data processing device provided by the embodiment of the specification temporarily stores the transaction resources in the intermediate account when determining that the pending transaction may have a risk, and directly returns the transaction resources to the payer from the intermediate account after determining that the pending transaction really has a risk, without retrieving funds from the payee, reduces the cost and time for retrieving funds for the risky transaction, and improves the security of the online transaction.

In some embodiments of the present specification, the apparatus further comprises a resource decontrol module configured to:

In the transaction data processing apparatus provided in the embodiment of the present specification, if a risk report request submitted by a resource expenditure user is not received within the time for managing and controlling the transaction resources of the transaction to be processed, it may be considered that there is no risk in the transaction to be processed, the transaction resources of the transaction to be processed are immediately released, and the transaction resources may be transferred from the intermediate account to the resource receiving account of the resource receiving user. The resource receiving user can use the transaction resource in time, the transaction safety is improved, meanwhile, the user experience is improved, and public opinion risks are reduced.

Fig. 8 is a schematic block diagram of another embodiment of a transaction data processing apparatus provided in this specification, which can be understood as a client of a resource expenditure user in the above embodiment, and as shown in fig. 8, the transaction data processing apparatus provided in this specification may include:

a transaction submitting module 81, configured to submit a pending transaction, so that a payment platform performs risk identification on the pending transaction;

a reporting interface receiving module 82, configured to receive a risk transaction reporting interface sent by the payment platform after recognizing that a risk threshold of the to-be-processed transaction is greater than a first risk threshold; after the payment platform determines that the risk threshold of the transaction to be processed is larger than a first risk threshold, transferring transaction resources of a resource expenditure user in the transaction to be processed into an intermediate account, and setting the control time of the transaction resources in the intermediate account;

the risk reporting module 83 is configured to submit a risk reporting request to the payment platform through the risk transaction reporting interface within the control time after determining that the transaction to be processed has a risk;

a return resource receiving module 84, configured to receive resource return information returned by the transaction resource stored in the intermediate account by the payment platform after it is determined that the risk reporting request is reported successfully.

The transaction data processing apparatus provided in the embodiment of the present specification, by setting the intermediate account, when it is determined that the pending transaction may have a risk, temporarily stores the transaction resources in the intermediate account, so that when it is determined that the pending transaction has a risk, the transaction resources of the pending transaction are not transferred by the resource receiving party, thereby facilitating the fund recovery, improving the fund recovery efficiency and the transaction security in the risky transaction, and reducing the fund recovery cost of the risky transaction.

It should be noted that the above-mentioned apparatus may also include other embodiments according to the description of the corresponding method embodiment. The specific implementation manner may refer to the description of the above corresponding method embodiment, and is not described in detail herein.

An embodiment of the present specification further provides a transaction data processing device, including: at least one processor and a memory for storing processor-executable instructions, the processor implementing the transaction data processing method of the above embodiments when executing the instructions, such as:

Or,

An embodiment of the present specification further provides a transaction data processing system, including: the method comprises the following steps: the system comprises a payment platform, a resource expenditure terminal and a resource receiving terminal;

the resource expenditure terminal comprises at least one processor and a memory for storing processor executable instructions, and when the processor executes the instructions, the processor realizes the method executed by the resource expenditure client side and is used for sending the transaction to be processed to the payment platform;

the payment platform comprises at least one processor and a memory for storing processor executable instructions, and the processor executes the instructions to realize the method executed by the payment platform side;

It should be noted that the above description of the apparatus and system according to the method embodiments may also include other embodiments. The specific implementation manner may refer to the description of the related method embodiment, and is not described in detail herein.

The transaction data processing device provided by the specification can also be applied to various data analysis processing systems. The system or server or terminal or device may be a single server, or may include a server cluster, a system (including a distributed system), software (applications), actual operating devices, logical gate devices, quantum computers, etc. using one or more of the methods described herein or one or more embodiments of the system or server or terminal or device, in combination with necessary end devices implementing hardware. The system for checking for discrepancies may comprise at least one processor and a memory storing computer-executable instructions that, when executed by the processor, implement the steps of the method of any one or more of the embodiments described above.

The method embodiments provided by the embodiments of the present specification can be executed in a mobile terminal, a computer terminal, a server or a similar computing device. Taking the example of the operation on the server, fig. 9 is a block diagram of the hardware structure of the transaction data processing server in one embodiment of the present specification, and the computer terminal may be the transaction data processing server or the transaction data processing device in the above embodiment. As shown in fig. 9, the server 10 may include one or more (only one shown) processors 100 (the processors 100 may include, but are not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA, etc.), a non-volatile memory 200 for storing data, and a transmission module 300 for communication functions. It will be understood by those skilled in the art that the structure shown in fig. 9 is only an illustration and is not intended to limit the structure of the electronic device. For example, the server 10 may also include more or fewer components than shown in FIG. 9, and may also include other processing hardware, such as a database or multi-level cache, a GPU, or have a different configuration than shown in FIG. 9, for example.

The non-volatile memory 200 may be used to store software programs and modules of application software, such as program instructions/modules corresponding to the transaction data processing method in the embodiment of the present specification, and the processor 100 executes various functional applications and resource data updates by running the software programs and modules stored in the non-volatile memory 200. Non-volatile memory 200 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the non-volatile memory 200 may further include memory located remotely from the processor 100, which may be connected to a computer terminal through a network. Examples of such networks include, but are not limited to, the internet, intranets, office-to-network, mobile communication networks, and combinations thereof.

The transmission module 300 is used for receiving or transmitting data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider of the computer terminal. In one example, the transmission module 300 includes a Network adapter (NIC) that can be connected to other Network devices through a base station so as to communicate with the internet. In one example, the transmission module 300 may be a Radio Frequency (RF) module, which is used for communicating with the internet in a wireless manner.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The method or apparatus provided in this specification and described in the foregoing embodiments may implement service logic through a computer program and record the service logic on a storage medium, where the storage medium may be read and executed by a computer, and implement the effects of the solutions described in the embodiments of this specification, such as:

Or,

The storage medium may include a physical device for storing information, and typically, the information is digitized and then stored using an electrical, magnetic, or optical media. The storage medium may include: devices that store information using electrical energy, such as various types of memory, e.g., RAM, ROM, etc.; devices that store information using magnetic energy, such as hard disks, floppy disks, tapes, core memories, bubble memories, and usb disks; devices that store information optically, such as CDs or DVDs. Of course, there are other ways of storing media that can be read, such as quantum memory, graphene memory, and so forth.

The transaction data processing method or apparatus provided in the embodiments of the present specification may be implemented in a computer by a processor executing corresponding program instructions, for example, implemented in a PC end using a c + + language of a windows operating system, implemented in a linux system, or implemented in an intelligent terminal using android, iOS system programming languages, implemented in processing logic based on a quantum computer, or the like.

It should be noted that descriptions of the apparatus, the computer storage medium, and the system described above according to the related method embodiments may also include other embodiments, and specific implementations may refer to descriptions of corresponding method embodiments, which are not described in detail herein.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the hardware + program class embodiment, since it is substantially similar to the method embodiment, the description is simple, and the relevant points can be referred to only the partial description of the method embodiment.

The embodiments of the present description are not limited to what must be consistent with industry communications standards, standard computer resource data updating and data storage rules, or what is described in one or more embodiments of the present description. Certain industry standards, or implementations modified slightly from those described using custom modes or examples, may also achieve the same, equivalent, or similar, or other, contemplated implementations of the above-described examples. The embodiments using the modified or transformed data acquisition, storage, judgment, processing and the like can still fall within the scope of the alternative embodiments of the embodiments in this specification.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a vehicle-mounted human-computer interaction device, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

Although one or more embodiments of the present description provide method operational steps as described in the embodiments or flowcharts, more or fewer operational steps may be included based on conventional or non-inventive approaches. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When the device or the end product in practice executes, it can execute sequentially or in parallel according to the method shown in the embodiment or the figures (for example, in the environment of parallel processors or multi-thread processing, even in the environment of distributed resource data update). The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, the presence of additional identical or equivalent elements in a process, method, article, or apparatus that comprises the recited elements is not excluded. The terms first, second, etc. are used to denote names, but not any particular order.

For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. Of course, when implementing one or more of the present description, the functions of each module may be implemented in one or more software and/or hardware, or a module implementing the same function may be implemented by a combination of multiple sub-modules or sub-units, etc. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable resource data updating apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable resource data updating apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable resource data update apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable resource data update apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage, graphene storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

As will be appreciated by one skilled in the art, one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the present specification can also be practiced in distributed computing environments where tasks are performed by remote devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, and the relevant points can be referred to only part of the description of the method embodiments. In the description of the specification, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the specification. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

The above description is merely exemplary of one or more embodiments of the present disclosure and is not intended to limit the scope of one or more embodiments of the present disclosure. Various modifications and alterations to one or more embodiments described herein will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the present specification should be included in the scope of the claims.

Claims

1. A method of transaction data processing, the method comprising:

2. The method of claim 1, further comprising:

3. The method of claim 1, further comprising:

4. The method of claim 2, further comprising:

5. The method of claim 4, further comprising:

6. The method of claim 1, after the setting of the balance of the resource receiving account of the resource receiving user in the pending transaction is increased by the amount corresponding to the transaction resource, the method further comprises:

7. The method of claim 1, further comprising:

8. A transaction data processing method, comprising:

9. The method of claim 8, further comprising:

10. A transaction data processing apparatus comprising:

11. The apparatus of claim 10, the apparatus further comprising a resource return module to:

12. The apparatus of claim 10, the apparatus further comprising a resource decontrol module to:

13. A transaction data processing apparatus comprising:

14. A transaction data processing device comprising: at least one processor and a memory for storing processor-executable instructions, the processor implementing the method of any of claims 1-7 or 8-9 when executing the instructions.

15. A transaction data processing system comprising: the system comprises a payment platform, a resource expenditure terminal and a resource receiving terminal;

wherein the resource spending terminal comprises at least one processor and memory for storing processor-executable instructions which when executed by the processor implement the method of any one of claims 8 to 9 for sending a pending transaction to the payment platform;

the payment platform comprising at least one processor and a memory for storing processor-executable instructions that when executed by the processor implement the method of any one of claims 1-7;