CN112613980A

CN112613980A - Transaction processing method and device, electronic equipment and computer-readable storage medium

Info

Publication number: CN112613980A
Application number: CN202011531893.4A
Authority: CN
Inventors: 任丽; 王禹; 李培文; 国明阳
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-12-22
Filing date: 2020-12-22
Publication date: 2021-04-06

Abstract

The disclosure provides a transaction processing method and device, electronic equipment and a computer-readable storage medium, which can be used in the field of big data and cloud computing. The method comprises the following steps: in response to a loan request of a user, obtaining a trading order associated with the user from an order system; generating loan information of the user according to the contents of the transaction order, wherein the loan information at least comprises a loan amount; transferring loan funds corresponding to the loan amount into a financial account of the user so as to pay the transaction order by using the loan funds; and generating a record for characterizing the association between the trade order and the loan information.

Description

Transaction processing method and device, electronic equipment and computer-readable storage medium

Technical Field

The present disclosure relates to the field of big data and cloud computing technologies, and in particular, to a transaction processing method and apparatus, an electronic device, and a computer-readable storage medium.

Background

The credit business is also called credit property or loan business, is an important property business of a commercial bank, withdraws principal and interest through paying, deducts cost and obtains profit, so the credit is a main profit making means of the commercial bank. Because the loan is released from the control of the bank, the risk that the interest cannot be recovered on time is large, so a strict loan system is established for the credit on the basis of complying with the contract law and the general rules of loan, and the main contents are as follows: the method comprises the steps of establishing a loan relationship, applying for a loan, surveying before the loan, approving and issuing the loan, checking after the loan, withdrawing and extending the loan, and sanctioning the credit.

In the process of implementing the concept of the present disclosure, the inventor finds that the content of a loan system is more, the loan process is complicated, and each step needs to take more time, for example, pre-loan investigation needs to take more manpower and material resources to fully and carefully evaluate a borrower, post-loan inspection has poor real-time performance, and risk control cannot be better performed.

Disclosure of Invention

In view of the above, the present disclosure provides a transaction processing method and apparatus, an electronic device, and a computer-readable storage medium.

One aspect of the present disclosure provides a transaction processing method, including: in response to a loan request of a user, obtaining a trading order associated with the user from an order system; generating loan information of the user according to the contents of the transaction order, wherein the loan information at least comprises a loan amount; transferring loan funds corresponding to the loan amount into a financial account of the user so as to pay the transaction order by using the loan funds; and generating a record for characterizing the association between the trade order and the loan information.

According to an embodiment of the present disclosure, the loan information further includes a repayment deadline, and the method further includes: acquiring the fund of the refund of the financial account of the user in a preset time period, wherein the preset time period is a time period before the repayment deadline; and freezing the repayment funds in the financial account of the user to lock the repayment funds for repayment of the loan funds.

According to an embodiment of the present disclosure, the freezing of the fund refund in the financial account of the user includes: freezing funds in the financial account of the user equal to the loan funds if the fund returned is greater than the loan funds; and if the fund of the loan is less than or equal to the fund of the loan, all the fund of the fund.

According to an embodiment of the present disclosure, the method further includes: determining the loan times and/or loan funds of the user in the preset time period before freezing the fund refund in the financial account of the user; and if the loan times and/or loan funds of the financial account of the user in the preset time period meet preset conditions, freezing the fund refund in the financial account of the user.

According to an embodiment of the present disclosure, the method further includes: before the fund of the user is frozen, determining whether the financial account of the user has an abnormal repayment event within the preset time period; and

and if the financial account of the user has an abnormal repayment event within the preset time period, freezing the refund fund in the financial account of the user.

According to an embodiment of the present disclosure, the method further includes: determining the payment times of the user in the preset time period before the fund refund in the financial account of the user is frozen; and if the payment times are larger than or equal to the preset times, the fund refund in the financial account of the user is frozen. According to an embodiment of the disclosure, the method further comprises verifying the use of the loan funds based on the record.

Another aspect of the present disclosure provides a transaction processing apparatus including: the device comprises a first acquisition module, a first generation module, a transfer-in module and a second generation module.

The system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for responding to a loan request of a user and acquiring a trading order related to the user from an order system;

a first generation module, configured to generate loan information of the user according to content of the transaction order, where the loan information at least includes a loan amount;

a transfer module for transferring the loan fund corresponding to the loan amount into the financial account of the user so as to pay the transaction order by using the loan fund; and

and the second generation module is used for generating a record for representing the association relationship between the transaction order and the loan information.

Another aspect of the present disclosure provides an electronic device including: one or more processors; memory to store one or more instructions, wherein the one or more instructions, when executed by the one or more processors, cause the one or more processors to implement a method as described above.

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

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

According to an embodiment of the present disclosure, because a transaction order associated with a user is obtained in response to a loan request by the user; generating loan information of the user according to the content of the transaction order, wherein the loan information at least comprises a loan amount; transferring loan funds corresponding to the loan amount into a financial account of the user so as to pay the transaction order by using the loan funds; and the technical means for generating the record for representing the incidence relation between the transaction order and the loan information is used, so that the loan service and the payment service are combined, the record for representing the incidence relation is established between the transaction order and the loan information, and the use of the loan can be confirmed more accurately, so that the post-loan inspection can be performed more timely, the cost of manpower and material resources spent due to the inspection is reduced, the better risk control is achieved, and the technical effects of reducing the default risk are achieved. Therefore, the technical problems that the loan process is complicated and the actual use of the loan cannot be well verified in the related art are at least partially overcome.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an exemplary system architecture to which transaction processing methods and apparatus may be applied, according to an embodiment of the disclosure;

FIG. 2 schematically shows a flow diagram of a transaction processing method according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow diagram for freezing funds refund in a financial account of a user in accordance with an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow diagram for freezing funds refund in a financial account of a user according to another embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow diagram for freezing funds refund in a financial account of a user according to another embodiment of the disclosure;

FIG. 6 schematically illustrates a flow chart of a user making a loan or repayment, in accordance with an embodiment of the disclosure;

figure 7 schematically shows a block diagram of a transaction processing device according to an embodiment of the present disclosure; and

FIG. 8 schematically illustrates a block diagram of a computer system suitable for implementing the above-described method, according to an embodiment of the present disclosure.

Detailed Description

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

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

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

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

In the process of implementing the disclosure, it is found that the existing loan system has more contents, the loan process is complicated, and each step needs to take more time, for example, pre-loan investigation needs to take more manpower and material resources to fully and carefully evaluate a borrower, post-loan inspection has poor real-time performance, and risk control cannot be better performed. Moreover, the loan transaction is relatively independent of the actual transaction order of the user, and it is not clear which transaction the loan funds are specifically used for.

The embodiment of the disclosure provides a transaction processing method and device. The method comprises the steps of responding to a loan request of a user, and obtaining a trading order associated with the user; generating loan information of the user according to the content of the transaction order, wherein the loan information at least comprises a loan amount; transferring loan funds corresponding to the loan amount into a financial account of the user so as to pay the transaction order by using the loan funds; and generating a record for characterizing an association between the trade order and the loan information.

Fig. 1 schematically illustrates an exemplary system architecture 100 to which transaction processing methods and apparatus may be applied, according to an embodiment of the disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

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

terminal devices

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

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired and/or wireless communication links, and so forth.

The user may use the

terminal devices

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

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as a shopping-like application, a web browser application, a search-like application, an instant messaging tool, a mailbox client, and/or social platform software, etc. (by way of example only).

The

terminal devices

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

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

terminal devices

101, 102, 103. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

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

terminal devices

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

terminal devices

101, 102, 103 and/or the server 105. Alternatively, the transaction processing method provided by the embodiment of the present disclosure may also be executed by the

terminal device

101, 102, or 103, or may also be executed by another terminal device different from the

terminal device

101, 102, or 103. Accordingly, the transaction processing apparatus provided by the embodiment of the present disclosure may also be disposed in the

terminal device

101, 102, or 103, or in another terminal device different from the

terminal device

101, 102, or 103.

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

It should be noted that the transaction processing method and apparatus provided by the embodiment of the present disclosure may be used in loan-related services in the financial field, and may also be used in any field other than the financial field.

Fig. 2 schematically shows a flow chart of a transaction processing method according to an embodiment of the present disclosure.

As shown in fig. 2, the transaction processing method includes operations S201 to S204.

In operation S201, a trade order associated with a user is acquired from an order system in response to a loan request of the user.

In operation S202, loan information of the user is generated according to the content of the trade order, wherein the loan information at least includes a loan amount.

In operation S203, loan funds corresponding to the loan amount are transferred into the financial account of the user to pay the transaction order with the loan funds.

In operation S204, a record is generated for characterizing the association between the trade order and the loan information.

According to embodiments of the present disclosure, a trade order associated with each of a plurality of users may be included in an order system.

According to the embodiment of the disclosure, taking the example that a client applies for loan from a bank through a terminal, the bank generates loan information of the user according to the content of a transaction order, the loan fund is transferred into a financial account of the client after the bank approves, the client conducts fund expenditure from the financial account, and the transaction order is paid by utilizing the loan fund. The customer may pay for the transaction order with funds in the financial account and determine whether the account balance of the financial account is sufficient for the payment.

According to embodiments of the present disclosure, a trade order associated with a user may be a trade order generated by the user after conducting an online trade through an e-commerce platform.

According to an embodiment of the present disclosure, generating loan information of the user according to the content of the transaction order may be, for example, generating loan information of the user according to an amount required to be paid by the transaction order, and loan funds in the loan information may be equal to the amount required to be paid by the transaction order.

According to the embodiment of the disclosure, in addition to generating the loan information of the user according to the amount of money to be paid for the transaction order, the loan information of the user may be generated according to the transaction partner described in the transaction order.

For example, loan information is generated from the amount to be paid for the transaction order and the counterparty described in the transaction order. The loan information includes loan funds and the counterparty of the transaction. Through the embodiment of the disclosure, not only can the loan fund be limited, but also the transaction opponents can be limited, and the specific use of the loan fund in which transaction is specified is determined.

According to embodiments of the present disclosure, the user identity may also be verified before generating the user's loan information from the contents of the trade order.

According to an embodiment of the present disclosure, verifying the user identity may include, for example, verifying identity card information of the user, verifying electronic signature information of the user, and the like.

According to an embodiment of the present disclosure, before transferring loan funds corresponding to the loan amount into the financial account of the user, an electronic contract may be sent to the user, after the user signs the electronic contract, the user's signature is verified, and finally, the loan funds corresponding to the loan amount are transferred into the financial account of the user.

According to embodiments of the present disclosure, the purpose of the loan funds may be verified according to a record characterizing the association between the trade order and the loan information.

By the embodiment of the disclosure, for a fund provider of a borrowing contract, the specific and detailed use of funds can be specified, and the use direction of the funds is ensured to be consistent with the original intention of loan issuing.

Through the embodiment of the disclosure, for a borrower, the loan can be directly made during the loan use, the effective time of the loan contract is the actual using time of the fund, the borrowed fund has no idle time, and the condition of free payment interest can not occur.

According to the embodiment of the disclosure, the existing repayment is mainly based on account passive repayment, namely, a borrower deposits funds into a financial account, and a bank initiates deduction for repayment. The repayment fund source can not be controlled in advance, and the reject ratio can not be effectively reduced.

According to the embodiment of the disclosure, the loan information further includes a repayment deadline, and the transaction processing method provided by the embodiment of the disclosure further includes: acquiring fund of repayment of a financial account of a user within a preset time period, wherein the preset time period is a time period before a repayment deadline; and freezing the refund funds in the financial account of the user to lock the repayment funds for repayment of the loan funds.

According to an embodiment of the present disclosure, for example, the payment deadline of the user is 2021, 10 months and 31 days. The preset time period is a period of time before 10/31/2021, for example, 8/31/2021 to 10/31/2021.

According to the embodiment of the disclosure, the fund refund of the financial account of the user in the period from 8 months 31 days in 2021 to 10 months 31 days in 2021 can be acquired, and the fund refund in the period can be frozen.

Through the embodiment of the disclosure, the repayment fund is preliminarily locked before the loan is due according to the collection condition of the borrower, the loan contract is ensured to be due, such as repayment, and the probability of default is reduced.

According to the embodiment of the disclosure, the fund of the repayment in the financial account of the user is frozen to lock the repayment fund for repaying the loan fund, and the repayment fund can be agreed with the borrower in advance.

According to an embodiment of the present disclosure, freezing the refund funds in the user's financial account includes the following policy.

If the fund of the repayment in the financial account of the user is larger than the loan fund, the fund equal to the loan fund in the financial account of the user is frozen.

If the fund of the withdrawal in the financial account of the user is less than or equal to the loan fund, all the fund of the withdrawal in the financial account of the user is frozen.

According to the embodiment of the disclosure, for post-loan management, the fund refund can be monitored and locked at any time according to the fund use target of a borrower, and the loan reject ratio is reduced.

The method shown in fig. 2 is further described with reference to fig. 3-5 in conjunction with specific embodiments.

It should be noted that, unless explicitly stated that there is an execution sequence between different operations or there is an execution sequence between different operations in technical implementation, the execution sequence between multiple operations may not be sequential, or multiple operations may be executed simultaneously in the flowchart in this disclosure.

FIG. 3 schematically illustrates a flow diagram for freezing funds refund in a financial account of a user, according to an embodiment of the disclosure.

As shown in fig. 3, the method includes operations S301 to S302.

In operation S301, the number of loans and/or loan funds of the user within a preset time period is determined before the fund refund in the financial account of the user is frozen.

In operation S302, if the number of loans and/or the loan funds of the financial account of the user within a preset time period satisfy a preset condition, the fund refund in the financial account of the user is frozen.

According to an embodiment of the present disclosure, the preset condition may include a loan number threshold and/or a loan amount threshold, which may be set according to business requirements. For example, the loan number threshold and/or the loan amount threshold may be determined based on the borrower's reputation, the borrower's property status, and the like.

According to embodiments of the disclosure, for example, the loan number threshold may be 10 and the loan fund threshold may be 10 ten thousand. Of course, embodiments of the present disclosure do not limit the specific values of the loan number threshold and/or the loan amount threshold.

According to an embodiment of the present disclosure, for example, the payment deadline of the user is 2021, 08 months and 31 days. The preset time period is a period of time before 31/08/2021, for example, 31/05/2021 to 31/08/2021.

According to the embodiment of the disclosure, fund returns of the financial account of the user in 31 days 05 and 31 days 2021 and 08 and 31 days 2021 can be acquired.

According to an embodiment of the present disclosure, for example, if the number of loans of the financial account of the user within 31 days 05-31 days 08-31 days 2021 is greater than or equal to 10, the fund of the refund in the financial account of the user is frozen.

According to an embodiment of the present disclosure, for example, if the loan amount of the financial account of the user is greater than 10 ten thousand in the range of 31/05/2021 to 31/08/2021, the fund for the refund in the financial account of the user is frozen.

According to an embodiment of the present disclosure, for example, if the number of loans of the financial account of the user within 31 days 05 and 31 days 2021 and 31 days 08 and 2021 is greater than or equal to 10 times and the loan amount is greater than 10 ten thousand, the fund for withdrawal in the financial account of the user is frozen.

According to the embodiment of the disclosure, the repayment fund is preliminarily locked before the loan is due according to the collection condition and the loan condition of the borrower, the loan contract is ensured to be due, such as repayment, and the probability of default is reduced.

FIG. 4 schematically illustrates a flow diagram for freezing fund withdrawals in a financial account of a user according to another embodiment of the present disclosure.

As shown in fig. 4, the method includes operations S401 to S402.

In operation S401, before the fund refund in the financial account of the user is frozen, it is determined whether an abnormal repayment event occurs in the financial account of the user within a preset time period.

In operation S402, if an abnormal repayment event occurs in the financial account of the user within a preset time period, the fund refund in the financial account of the user is frozen.

According to an embodiment of the present disclosure, reference may be made to the above description for the description of the preset time period, which is not repeated herein.

According to an embodiment of the present disclosure, an abnormal repayment event may include, for example, a greater number of outstanding loans, or a greater number of outstanding loans, and so on.

According to the embodiment of the disclosure, repayment funds are preliminarily locked before the loan is due according to the collection condition and the abnormal repayment event of the borrower, the loan contract due capacity is ensured to be as large as repayment, and the probability of default is reduced.

FIG. 5 schematically shows a flow diagram for freezing fund withdrawals in a financial account of a user according to another embodiment of the present disclosure.

As shown in fig. 5, the method includes operations S501 to S502.

In operation S501, before the fund refund in the financial account of the user is frozen, the number of payments made by the user within a preset time period is determined.

In operation S502, if the payment number is greater than or equal to the preset number, the fund refund in the financial account of the user is frozen.

According to the embodiment of the disclosure, if the payment times of the user in the preset time period are too many, the amount of the payment is also large, and there may be a case that the liability is relatively high, and in order to reduce the risk, if the payment times are greater than or equal to the preset times, the fund of the refund in the financial account of the user is frozen.

According to the embodiment of the disclosure, the preset times can be set according to business requirements. For example, the preset number of times may be determined according to the transaction habits of the borrower, the credit of the borrower, and the property status of the borrower. The preset number of times may be, for example, 50 times or 80 times, and so on.

Through the embodiment of the disclosure, the repayment fund is preliminarily locked before the loan is due according to the collection condition and the payment times of the borrower, the loan contract is ensured to be due, such as repayment, and the probability of default is reduced.

According to the embodiment of the present disclosure, the blocking of the fund refund in the financial account of the user includes, but is not limited to, the manners described in fig. 3 to 5, and may also include other manners besides the manners described in fig. 3 to 5.

It should be noted that the modes described in fig. 3 to 5 may be combined arbitrarily. For example, the number of loans and/or loan funds of the user within a preset time period is determined, whether an abnormal repayment event occurs in the financial account of the user within the preset time period is determined, and the number of payments of the user within the preset time period is determined. And if the loan times and/or loan funds of the financial account of the user in a preset time period meet preset conditions, abnormal repayment events occur, and the payment times are greater than or equal to the preset times, freezing the refund funds in the financial account of the user.

And if the loan times and/or loan funds of the financial account of the user in the preset time period do not meet the preset conditions, the financial account of the user does not have an abnormal repayment event in the preset time period, and the payment times are less than the preset times, the repayment funds in the financial account of the user are not frozen.

For another example, only whether an abnormal repayment event occurs to the financial account of the user within a preset time period and the number of payments made by the user within the preset time period are determined. And if the financial account of the user has an abnormal repayment event within a preset time period and the payment times are greater than or equal to the preset times, freezing the refund fund in the financial account of the user.

And if the financial account of the user does not have an abnormal repayment event in the preset time period and the payment times are less than the preset times, the fund refund in the financial account of the user is not frozen.

Fig. 6 schematically illustrates a flow chart of a user making a loan or a repayment, according to an embodiment of the disclosure.

As shown in fig. 6, the method includes operations S601 to S606.

In operation S601, a login password input by a user is obtained, and password authentication is performed.

In operation S602, after the verification passes, the loan page is entered.

In operation S603, a loan application is entered. The user may enter the loan amount, loan term, and loan due date, selecting a repayment method. The user may query for a recommended amount, a remaining amount, a maximum duration of the loan contract, a minimum duration of the loan contract, a repayment method, and a loan application. The user may query the loan interest rate to budget the loan interest. And carrying out real name signing on the loan contract, the authorization book and the withdrawal notice book. According to embodiments of the present disclosure, a loan contract may be associated with an order generated by a user's online transaction, generating a record characterizing the association between the transaction order and the loan contract.

In operation S604, a loan query is entered. Query loan contracts, query loans, and the like.

In operation S605, a detail query is entered.

In operation S606, a payment application is entered. The bank account number is automatically paid or the credit wallet is paid after being withdrawn, name tags are required to be paid in advance, the payment result is inquired, and judgment is carried out according to the state.

Fig. 7 schematically shows a block diagram of a transaction processing device according to an embodiment of the present disclosure.

As shown in fig. 7, the transaction processing device 700 includes: a first acquisition module 710, a first generation module 720, a transfer-in module 730, and a second generation module 740.

A first obtaining module 710, configured to obtain a trade order associated with a user from an order system in response to a loan request of the user;

a first generating module 720, configured to generate loan information of the user according to the content of the transaction order, where the loan information at least includes a loan amount;

a transfer module 730, configured to transfer the loan funds corresponding to the loan amount into the financial account of the user, so as to pay the transaction order by using the loan funds; and

a second generating module 740, configured to generate a record for characterizing an association between the trade order and the loan information.

According to an embodiment of the present disclosure, the loan information further includes a repayment term, and the transaction processing device 700 further includes: a second acquisition module and a freezing module.

And the second acquisition module is used for acquiring fund withdrawal of the financial account of the user within a preset time period, wherein the preset time period is a time period before the repayment deadline.

And the freezing module is used for freezing the repayment funds in the financial account of the user so as to lock repayment funds for repaying the loan funds.

According to an embodiment of the present disclosure, the freezing module includes: a first freezing unit and a second freezing unit.

And the first freezing unit is used for freezing the fund which is equal to the loan fund in the financial account of the user if the fund of the repayment is larger than the loan fund.

And the second freezing unit is used for freezing all the fund refund in the financial account of the user if the fund refund is less than or equal to the loan fund.

According to an embodiment of the present disclosure, the transaction processing device 700 further includes: the first determination module is used for determining the loan times and/or loan funds of the user in the preset time period before the returned funds in the financial account of the user are frozen.

The freezing module is used for freezing the fund of repayment in the financial account of the user if the loan times and/or loan funds of the financial account of the user in the preset time period meet preset conditions.

According to an embodiment of the present disclosure, the transaction processing device 700 further includes: and the second determination module is used for determining whether an abnormal repayment event occurs in the financial account of the user within the preset time period before the fund refund in the financial account of the user is frozen.

The freezing module is used for freezing the fund refund in the financial account of the user if the financial account of the user has an abnormal repayment event within the preset time period.

According to an embodiment of the present disclosure, the transaction processing device 700 further includes: and the third determination module is used for determining the payment times of the user in the preset time period before the fund refund in the financial account of the user is frozen.

The freezing module is used for freezing the fund of the fund withdrawal in the financial account of the user if the payment times are larger than or equal to the preset times.

According to an embodiment of the present disclosure, the transaction processing device 700 further includes: and the verification module is used for verifying the use of the loan fund according to the record.

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

For example, any plurality of the first obtaining module 710, the first generating module 720, the transferring-in module 730, and the second generating module 740 may be combined and implemented in one module/unit/sub-unit, or any one of the modules/units/sub-units may be split into a plurality of modules/units/sub-units. Alternatively, at least part of the functionality of one or more of these modules/units/sub-units may be combined with at least part of the functionality of other modules/units/sub-units and implemented in one module/unit/sub-unit. According to an embodiment of the present disclosure, at least one of the first obtaining module 710, the first generating module 720, the transferring module 730, and the second generating module 740 may be at least partially implemented as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware, and firmware, or by a suitable combination of any of them. Alternatively, at least one of the first obtaining module 710, the first generating module 720, the transferring module 730 and the second generating module 740 may be at least partially implemented as a computer program module, which when executed may perform a corresponding function.

It should be noted that, the transaction processing device portion in the embodiment of the present disclosure corresponds to the transaction processing method portion in the embodiment of the present disclosure, and the description of the transaction processing device portion specifically refers to the transaction processing method portion, which is not described herein again.

According to an embodiment of the present disclosure, there is also provided an electronic apparatus including: one or more processors; memory to store one or more instructions, wherein the one or more instructions, when executed by the one or more processors, cause the one or more processors to implement a method as described above.

There is also provided, in accordance with an embodiment of the present disclosure, a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to implement the method as described above.

There is also provided, in accordance with an embodiment of the present disclosure, a computer program product, including a computer program comprising computer executable instructions for implementing the method as described above when executed. FIG. 8 schematically illustrates a block diagram of a computer system suitable for implementing the above-described method, according to an embodiment of the present disclosure. The computer system illustrated in FIG. 8 is only one example and should not impose any limitations on the scope of use or functionality of embodiments of the disclosure.

As shown in fig. 8, a computer system 800 according to an embodiment of the present disclosure includes a processor 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. The processor 801 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 801 may also include onboard memory for caching purposes. The processor 801 may include a single processing unit or multiple processing units for performing different actions of the method flows according to embodiments of the present disclosure.

In the RAM 803, various programs and data necessary for the operation of the system 800 are stored. The processor 801, the ROM 802, and the RAM 803 are connected to each other by a bus 804. The processor 801 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 802 and/or RAM 803. Note that the programs may also be stored in one or more memories other than the ROM 802 and RAM 803. The processor 801 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

System 800 may also include an input/output (I/O) interface 805, also connected to bus 804, according to an embodiment of the disclosure. The system 800 may also include one or more of the following components connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program, when executed by the processor 801, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, downloaded and installed through the communication section 509, and/or installed from the removable medium 511. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

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

According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium. Examples may include, but are not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 802 and/or RAM 803 described above and/or one or more memories other than the ROM 802 and RAM 803.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions. Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A transaction processing method, comprising:

in response to a loan request of a user, obtaining a trade order associated with the user from an order system;

generating loan information of the user according to the content of the transaction order, wherein the loan information at least comprises a loan amount;

transferring loan funds corresponding to the loan amount into a financial account of the user so as to pay the transaction order by using the loan funds; and

generating a record for characterizing an association between the trade order and the loan information.

2. The method of claim 1, wherein the loan information further comprises a repayment deadline, the method further comprising:

acquiring fund of repayment of the financial account of the user within a preset time period, wherein the preset time period is a time period before the repayment deadline; and

blocking the repayment funds in the user's financial account to lock the repayment funds for repayment of the loan funds.

3. The method of claim 2, wherein the freezing of the refund funds in the user's financial account comprises:

freezing funds in the user's financial account equal to the loan funds if the fund of the rebate is greater than the loan funds;

and if the fund of the repayment is less than or equal to the loan fund, freezing all the fund of the repayment in the financial account of the user.

4. The method of claim 2, further comprising:

determining the loan times and/or loan funds of the user in the preset time period before freezing the fund refund in the financial account of the user;

and if the loan times and/or loan funds of the financial account of the user in the preset time period meet preset conditions, freezing the fund refund in the financial account of the user.

5. The method of claim 2, further comprising:

before the fund refund in the financial account of the user is frozen, determining whether an abnormal repayment event occurs in the financial account of the user within the preset time period; and

6. The method of claim 2, further comprising:

determining the payment times of the user in the preset time period before the fund refund in the financial account of the user is frozen;

and if the payment times are larger than or equal to the preset times, the fund refund in the financial account of the user is frozen.

7. The method of claim 1, further comprising:

verifying the use of the loan funds based on the record.

8. A transaction processing device comprising:

a first obtaining module, configured to obtain a trade order associated with a user from an order system in response to a loan request of the user;

the first generation module is used for generating loan information of the user according to the content of the transaction order, wherein the loan information at least comprises a loan amount;

a transfer module for transferring the loan funds corresponding to the loan amount into the financial account of the user so as to pay the transaction order by using the loan funds; and

9. An electronic device, comprising:

one or more processors;

a memory to store one or more instructions that,

wherein the one or more instructions, when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.

10. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to carry out the method of any one of claims 1 to 7.

11. A computer program product comprising a computer program, wherein the computer program comprises computer executable instructions for implementing the method of any one of claims 1 to 7 when executed.