CN108647950B

CN108647950B - Transfer request processing method, device and equipment

Info

Publication number: CN108647950B
Application number: CN201810477089.9A
Authority: CN
Inventors: 李�杰
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2018-05-18
Filing date: 2018-05-18
Publication date: 2022-01-28
Anticipated expiration: 2038-05-18
Also published as: CN108647950A

Abstract

The embodiment of the specification discloses a method, a device and equipment for processing a transfer request. Key information such as order number, payment account number, collection account number, amount, date and the like is extracted from a transfer request sent to a transfer system by a business system, and the key information is registered in a database. When the transfer system initiates transfer according to the request of the service system, the registration information is found through the order number, the amount of money is deducted, retransmission verification is executed, if the amount of money is not deducted enough, the transfer request is determined to be the retransmission transfer request, and the transfer system is informed not to transfer money.

Description

Transfer request processing method, device and equipment

Technical Field

The specification relates to the technical field of computers, in particular to a transfer request processing method, device and equipment.

Background

In the financial field, it is a common business practice to transfer money between accounts.

In the process, the transfer system directly operates the real funds according to the received transfer request, and once errors occur, the funds are directly lost. Therefore, it is indispensable to concurrently control the transfer request to prevent the same transfer from being performed a plurality of times. Currently, a third-party retransmission detection system is generally adopted to assist in retransmission detection, and transfer requests which are suspected to be retransmitted are sent back to the transfer system for confirmation.

Based on this, there is a need for a more convenient transfer request processing scheme.

Disclosure of Invention

The embodiment of the specification provides a method, a device and equipment for processing a transfer request, which are used for solving the following problems: a more convenient transfer request processing scheme.

Based on the above, the embodiment of the specification provides a transfer request processing method, which comprises the steps of

Intercepting transfer information contained in a first transfer request sent by a service system, wherein the transfer information at least comprises a transfer order number and a transfer amount;

and generating an information record containing the transfer information and storing the information record.

Receiving a second transfer request sent by a transfer system, wherein the second transfer request is the first transfer request or obtained by splitting according to the first transfer request;

locking operation is carried out on the information record, and the second transfer request is subjected to retransmission verification according to transfer information in the information record to generate a verification result;

and sending the verification result to the transfer system so that the transfer system can process the second transfer request according to the verification result.

Meanwhile, an embodiment of the present specification further provides a transfer request processing apparatus, including:

the information intercepting module intercepts transfer information contained in a first transfer request sent by a service system, wherein the transfer information at least comprises a transfer order number and a transfer amount;

and the generating and storing module is used for generating and storing an information record containing the transfer information.

The receiving module is used for receiving a second transfer request sent by the transfer system, wherein the second transfer request is the first transfer request or is obtained by splitting according to the first transfer request;

the verification module executes locking operation on the information record, and performs retransmission verification on the second transfer request according to the transfer information in the information record to generate a verification result;

and the sending module is used for sending the verification result to the transfer system so that the transfer system can process the second transfer request according to the verification result.

Correspondingly, an embodiment of the present specification further provides a transfer request processing apparatus, including:

a memory storing a transfer request processing program;

a processor calling the transfer request processing program in the memory and executing:

Correspondingly, embodiments of the present specification also provide a non-volatile computer storage medium storing computer-executable instructions configured to:

The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:

key information such as order number, payment account number, collection account number, amount, date and the like is extracted from a transfer request sent to a transfer system by a business system, and the key information is registered in a database. When the transfer system initiates transfer according to the request of the service system, the registration information is found through the order number, the amount of money is deducted, retransmission verification is executed, if the amount of money is not deducted enough, the transfer request is determined to be the retransmission transfer request, and the transfer system is informed not to transfer money. Therefore, the re-sending verification of the transfer system is avoided, the service decoupling is realized, and the method is more convenient. In addition, the component can be locally accessed to the transfer system in a configurable mode, the deployment cost is low, Remote Procedure Call (RPC) is not needed for the operation of the database, and the efficiency is higher.

Drawings

FIG. 1 is a diagram illustrating a system architecture involved in performing anti-replay detection in the prior art;

FIG. 2 is a schematic diagram of a system architecture provided by an embodiment of the present disclosure;

FIG. 3 is a flow diagram illustrating transfer request processing provided by embodiments of the present description;

fig. 4 is a schematic structural diagram of an information record provided in an embodiment of the present specification;

FIG. 5 is a timing diagram of transfer retransmission verification provided by embodiments of the present description;

FIG. 6 is a schematic diagram of the verification of information records provided by embodiments of the present description;

fig. 7 is a schematic structural diagram of a transfer request processing device provided in an embodiment of the present specification.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, 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 are within the scope of the present application.

In the prior art, in order to solve the problem of retransmission prevention, if the fund transfer system performs concurrency control, the fund transfer system frequently changes service codes, so that the fund transfer system frequently needs to be correspondingly modified, service coupling is caused, and concurrency control is easy to fail. One possible solution is to construct a separate retransmission detection system outside the money transfer system, which is requested to detect before each transfer request is initiated. The inside of the retransmission detection system can perform suspected retransmission judgment through the payment account number + the amount of money, if the current transfer message is completely the same as the payment account number, the collection account number, the amount of money, the request date and the like of the transfer request which has been successful before, retransmission is possible, at the moment, the retransmission detection system checks the transfer system again, the order number suspected to be retransmitted and the original successful transaction order number are transmitted to the fund transfer system, the fund transfer system judges whether the two orders are the same, and if the two orders are the same, the retransmission is performed.

Fig. 1 is a schematic diagram of a system architecture involved in performing retransmission-prevention detection in the prior art, as shown in fig. 1. In the scheme, the retransmission detection system cannot completely and independently judge whether the retransmission is carried out, and after the suspected retransmission is judged, the fund transfer system still needs to be checked back, and the fund transfer system judges whether the retransmission is carried out. If there is no time difference between the retransmission request and the original transaction request, the retransmission request is sent to the retransmission detection system at the same time, which may result in the retransmission detection system determining that there is no retransmission error result. In addition, after the retransmission detection system is added, the whole transfer link depends on one system, and the processing time consumption of the whole link is increased.

Based on this, the embodiment of the present specification provides a transfer request processing scheme, which intercepts a transfer request initiated by a service system, intercepts and stores transfer information therein, and then performs cancel verification according to pre-registered transfer information when receiving the transfer request initiated by the transfer system, thereby avoiding retransmission.

In the embodiment of the present specification, the transfer request processing scheme may adopt an architecture as shown in fig. 2, and fig. 2 is a schematic diagram of a system architecture provided by the embodiment of the present specification. In this architecture, the embodiments of the present specification provide an anti-replay component that includes information interception and amount verification. Integrated into the money transfer system, the component may interact with a database that is common to the money transfer system.

The following describes in detail a process of a transfer request processing method provided in an embodiment of the present specification based on a framework shown in fig. 2, where the process specifically includes the following steps, as shown in fig. 3, and fig. 3 is a schematic flow diagram of transfer request processing provided in the embodiment of the present specification, and includes:

s301, intercepting transfer information contained in a first transfer request sent by a service system, wherein the transfer information at least comprises a transfer order number and a transfer amount.

For the transfer request initiated by the business system, key information such as transfer order number, payment account number, collection account number, transfer amount, date and the like should be included. The transfer order number has uniqueness and can be used for inquiring and confirming the transfer request; the transfer amount is information that is central in preventing transfer service, and both are indispensable. Other information such as the payment account number, collection account number and date, etc. may be used to assist in the confirmation.

The information interception mode of the retransmission-preventing component can be information fishing from the first transfer request, or can be interception and analysis of the request to obtain the transfer order number and the transfer amount in the first transfer request, and various modes are available for intercepting the information, which does not form a limitation on the scheme.

And S303, generating an information record containing the transfer information and storing the information record.

Namely, the transfer order number and the transfer amount of the same service request are used as an information record and fall to a database. As shown in fig. 4, fig. 4 is a schematic structural diagram of information recording provided in the embodiment of the present specification. While the information records are shown as a relational data table, it will be appreciated that other data structures, such as key-value peer-to-peer relationships, are possible.

S305, receiving a second transfer request sent by the transfer system, wherein the second transfer request is the first transfer request itself or obtained by splitting according to the first transfer request.

It should be noted that, at present, the funds transfer system does not transfer funds immediately after receiving the transfer from the transaction system and requesting and accepting the transfer. In other words, the transfer system typically processes each transfer asynchronously. Preprocessing such as information checking, configuration lookup, message assembly, order stripping, etc. is also typically required in advance before the transfer is made. Thus, the second transfer request may be the previously received first transfer request, or may be a transfer message sent to the message interaction system, or other forms.

In some cases, the transfer is limited, for example, a small channel can only transfer X ten thousand blocks at a time, if the order exceeds X ten thousand, the transfer service request is divided into a plurality of pieces with the number less than X ten thousand for processing, otherwise, the transfer cannot be executed. For a first service request, the sum of the transfer amount in all the split second transfer requests is equal to the transfer amount in the first service request, and meanwhile, other information (such as payment account number, collection account number, transfer date and the like) is the same. In addition, the format of the second transfer request and the first transfer request may be the same or different, depending on the requirements of the actual service.

S307, locking operation is carried out on the information record, the second transfer request is subjected to retransmission verification according to the transfer information in the information record, and a verification result is generated.

This step is the aforementioned verification process. The locking operation is that for the information record, only one second transfer request can read and write the information record at a time. After the fund transfer system completes the preprocessing, a second transfer request (comprising a transfer order number and a transfer amount) is initiated, the retransmission-preventing component acquires the request, compares the request according to the pre-registered information records and performs retransmission verification. And generating a verification result.

The specific verification mode can be that subtraction verification is carried out on the amount of money saved in the information record according to the transfer order number of the second transfer request; or, according to the order number, adding the related record of the amount of the second transfer request in the information record, so as to accumulate according to the transfer amount, judge whether the accumulated amount exceeds the transfer amount in the information record, and the like. The generated verification result is generally a verification failure result or a verification failure result.

S309, sending the verification result to the transfer system so that the transfer system can process the second transfer request according to the verification result.

And when the transfer system receives the verification failure result, the transfer is interrupted, and if the verification success result is received, the transfer is executed locally in the transfer system. As shown in fig. 5, fig. 5 is a timing diagram of transfer retransmission verification provided by an embodiment of the present specification.

Through the scheme, key information such as order number, payment account number, collection account number, amount, date and the like is extracted from the transfer request sent to the transfer system by the business system, and the key information is registered in the database. When the transfer system initiates transfer according to the request of the service system, the transfer system is intercepted by the assembly and verified, so that the transfer system does not need to perform extra retransmission verification work, and service decoupling is realized. In addition, the component can be locally accessed to the transfer system in a configurable mode, the deployment cost is low, Remote Procedure Call (RPC) is not needed for the operation of the database, and the efficiency is higher.

In a practical application scenario, for the step S307, performing retransmission verification on the second transfer request according to the transfer information in the information record, and generating a verification result, the method includes the following steps:

acquiring a transfer order number and a transfer amount contained in the second transfer request; inquiring and acquiring information records containing the same transfer order number; subtracting the transfer amount contained in the second transfer request from the transfer amount in the information record to generate a difference value; if the difference is less than 0, determining that the verification fails and generating a verification failure result; if not less than 0, the verification is determined to be successful, a verification success result is generated, the value of the transfer amount in the information record is modified into the difference value, and the difference value is stored.

As previously described, the second transfer request includes both full and singleout transfers as opposed to the first transfer request. And in the process of verifying and canceling by using the subtraction method, locking operation is carried out for each second transfer request, the amount of the second transfer request is subtracted from the information record one by one, and the amount of money in the information record is modified and saved. It will be readily appreciated that in the absence of a retransmission, the amount of money in the information record will be modified one or more times to 0, during which the transfer request is deemed to have not been retransmitted and the verification is successful. If the difference between the two becomes a negative number smaller than 0, it is possible to confirm that the retransmission has occurred at this time, and the authentication has failed, and in the case of the authentication failure, the information record does not need to be modified.

For example, the transfer system receives a request to transfer a 1000-dollar transfer, and then splits it into two second 500-dollar transfer requests. In the information record in the database, the transfer amount has been saved as 1000 dollars. Therefore, after the first and second transfer requests are acquired by the retransmission-preventing component, the balance of the information record is deducted by 500 yuan; after the second transfer request is initiated and the retransmission component acquires the second transfer request, the balance of the information record is deducted by 500 yuan again, and the balance is changed into 0 at the moment. If the third time happens, the balance in the information record is found to be not enough to be deducted, the verification is directly confirmed to fail, and the transfer system is informed to interrupt the transfer process. Fig. 6 is a schematic diagram of verifying information records according to an embodiment of the present disclosure, as shown in fig. 6.

In practical applications, for step S303, generating and storing an information record containing the transfer information, the following method may be further included: and generating and storing an information record containing the transfer information and the state identifier, so that for the scheme, after the verification is determined to be successful, the method further comprises the following steps: and if the difference value is equal to 0, modifying the value of the state identifier into a value representing the end of the processing, and storing the value.

For example, the initial value of the status flag may be set to "initial" in the information record, the value may be modified to "transfer" after the first transfer amount is checked, and the value may be modified to "completed" when the transfer amount in the information record becomes 0. It will be readily appreciated that the values used herein to characterize a state can be in a variety of forms, such as a string or number, and the like, and are not specifically limited herein.

Thus, for performing a locking operation on the information record in S307, performing retransmission verification on the second transfer request according to the transfer information in the information record, and generating a verification result, the method may further include: and if the value of the state identifier in the information record is the value representing the end of the processing, determining that the verification fails and generating a verification failure result. That is, the status flag may be used to perform re-verification, and when the status flag in the information record indicates "completed", the verification failure may be directly determined, and if not, "completed", the difference verification may be performed again to perform verification. By performing the verification through the status identifier, the retransmission request can be detected more quickly.

Based on the same idea, the present invention further provides a transfer request processing apparatus, as shown in fig. 7, where fig. 7 is a schematic structural diagram of the transfer request processing apparatus provided in the embodiment of the present specification, and the transfer request processing apparatus includes:

the information intercepting module 701 intercepts transfer information contained in a first transfer request sent by a service system, wherein the transfer information at least comprises a transfer order number and a transfer amount;

and the generating and storing module 703 is used for generating and storing an information record containing the transfer information.

The receiving module 705 receives a second transfer request sent by the transfer system, wherein the second transfer request is the first transfer request itself or is obtained by splitting according to the first transfer request;

the verification module 707 performs a locking operation on the information record, performs retransmission verification on the second transfer request according to the transfer information in the information record, and generates a verification result;

the sending module 709 is configured to send the verification result to the transfer system, so that the transfer system processes the second transfer request according to the verification result.

Further, the verification module 707 obtains a transfer order number and a transfer amount included in the second transfer request; inquiring and acquiring information records containing the same transfer order number; subtracting the transfer amount contained in the second transfer request from the transfer amount in the information record to generate a difference value; if the difference is less than 0, determining that the verification fails and generating a verification failure result; if the value is not less than 0, the verification is determined to be successful, a verification success result is generated, and the information modification module 711 is further included for modifying the value of the transfer amount in the information record into the difference value and storing the difference value.

Further, the generating and storing module 703 generates and stores an information record containing the transfer information and the status identifier; and if the difference is equal to 0, the information modification module 711 modifies the value of the state identifier to a value representing the end of the processing, and stores the value.

Further, the verification module 707 determines that the verification fails if the value of the status identifier in the information record is the value representing the end of the processing, and generates a verification failure result.

Correspondingly, the embodiment of the application also provides a transfer request processing device, which comprises:

a memory storing a transfer request processing program;

Based on the same inventive concept, embodiments of the present application further provide a corresponding non-volatile computer storage medium, in which computer-executable instructions are stored, where the computer-executable instructions are configured to:

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. Especially, as for the device, apparatus and medium type embodiments, since they are basically similar to the method embodiments, the description is simple, and the related points may refer to part of the description of the method embodiments, which is not repeated here.

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 or modules 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.

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 cellular telephone, a camera phone, a smartphone, 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.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in one or more pieces of software and/or hardware when implementing the embodiments of the present description.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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.

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

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

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

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

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

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

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, 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, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

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, 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, 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 so forth) having computer-usable program code embodied therein.

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 transactions or implement particular abstract data types. Embodiments of the present description may also be practiced in distributed computing environments where transactions are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

Claims

1. A transfer request processing method, comprising:

generating and storing an information record containing the transfer information;

executing locking operation on the information record, performing retransmission verification on the second transfer request according to the transfer information in the information record, and generating a verification result, wherein the method specifically comprises the following steps:

according to the second transfer request, verifying and canceling transfer information in the information record to generate a verification result;

2. The method as recited in claim 1, verifying the second transfer request for retransmission based on transfer information in the information record, generating a verification result, comprising:

acquiring a transfer order number and a transfer amount contained in the second transfer request;

inquiring and acquiring information records containing the same transfer order number;

subtracting the transfer amount contained in the second transfer request from the transfer amount in the information record to generate a difference value;

if the difference is less than 0, determining that the verification fails and generating a verification failure result; if not less than 0, the verification is determined to be successful, a verification success result is generated, the value of the transfer amount in the information record is modified into the difference value, and the difference value is stored.

3. The method as recited in claim 2, generating and storing an information record containing the transfer information, comprising:

generating and storing an information record containing the transfer information and the state identifier;

after determining that the verification is successful, further comprising:

and if the difference value is equal to 0, modifying the value of the state identifier into a value representing the end of the processing, and storing the value.

4. The method as recited in claim 3, verifying the second transfer request for retransmission based on transfer information in the information record, generating a verification result, comprising:

and if the value of the state identifier in the information record is the value representing the end of the processing, determining that the verification fails and generating a verification failure result.

5. A transfer request processing apparatus comprising:

the generating and storing module is used for generating and storing an information record containing the transfer information;

the verification module executes locking operation on the information record, performs retransmission verification on the second transfer request according to the transfer information in the information record, and generates a verification result, and specifically includes:

6. The apparatus as claimed in claim 5, wherein the authentication module acquires a transfer order number and a transfer amount included in the second transfer request; inquiring and acquiring information records containing the same transfer order number; subtracting the transfer amount contained in the second transfer request from the transfer amount in the information record to generate a difference value; if the difference is less than 0, determining that the verification fails and generating a verification failure result; if not less than 0, the verification is determined to be successful, a verification success result is generated, and the method further comprises an information modification module which modifies the value of the transfer amount in the information record into the difference value and stores the difference value.

7. The apparatus as recited in claim 6, the generation and storage module to generate and store an information record containing the transfer information and status identification; and if the difference value is equal to 0, the information modification module modifies the value of the state identifier into a value representing the end of the processing and stores the value.

8. The apparatus of claim 7, wherein the verification module determines that the verification fails and generates a verification failure result if the value of the status flag in the information record is a value indicating that the processing is finished.

9. A transfer request processing apparatus comprising:

a memory storing a transfer request processing program;