CN113222573A

CN113222573A - Transaction processing method and device

Info

Publication number: CN113222573A
Application number: CN202110584325.9A
Authority: CN
Inventors: 雷健; 于天; 周文杰; 马树东; 田敬川; 龚炜; 董文超; 黎峰
Original assignee: Zhejiang eCommerce Bank Co Ltd
Current assignee: Zhejiang eCommerce Bank Co Ltd
Priority date: 2021-05-27
Filing date: 2021-05-27
Publication date: 2021-08-06

Abstract

An embodiment of the present specification provides a transaction processing method and a device, wherein the transaction processing method includes: performing guarantee transaction based on transaction information of a first transaction party and a second transaction party, and obtaining a bill to be received of the second transaction party; performing transaction processing of the second transaction party and a third transaction party according to a bill voucher generated by the target institution based on the bill to be collected; and after the receivable condition of the receivable bill is triggered, resource transfer from the first trading party to the second trading party and from the second trading party to the target institution is carried out.

Description

Transaction processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a transaction processing method and apparatus.

Background

With the development of internet technology and the popularization of mobile terminals, more and more services begin to extend to online scenes, such as resource transfer of payment, payment or transfer, the online scenes become more and more frequent and convenient, a credit-based guarantee transaction mode appears, and with the continuous enrichment of application scenes, the requirement for diversification of the resource transfer on the lines is higher and higher.

Disclosure of Invention

One or more embodiments of the present specification provide a transaction processing method, including: and carrying out guarantee transaction based on the transaction information of the first transaction party and the second transaction party, and obtaining the bill receivable of the second transaction party. And carrying out transaction processing on the second transaction party and the third transaction party according to the bill voucher generated by the target institution based on the bill to be collected. And after the receivable condition of the receivable bill is triggered, resource transfer from the first trading party to the second trading party and from the second trading party to the target institution is carried out.

One or more embodiments of the present specification provide a transaction processing device, including: the system comprises a guarantee transaction module and a payment processing module, wherein the guarantee transaction module is configured to conduct guarantee transaction based on transaction information of a first transaction party and a second transaction party and obtain receivable bills of the second transaction party. And the transaction processing module is configured to perform transaction processing of the second transaction party and a third transaction party according to the bill voucher generated by the target institution based on the bill to be billed. And after the receivable condition of the receivable bill is triggered, resource transfer from the first trading party to the second trading party and from the second trading party to the target institution is carried out.

One or more embodiments of the present specification provide a server, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and carrying out guarantee transaction based on the transaction information of the first transaction party and the second transaction party, and obtaining the bill receivable of the second transaction party. And carrying out transaction processing on the second transaction party and the third transaction party according to the bill voucher generated by the target institution based on the bill to be collected. And after the receivable condition of the receivable bill is triggered, resource transfer from the first trading party to the second trading party and from the second trading party to the target institution is carried out.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and carrying out guarantee transaction based on the transaction information of the first transaction party and the second transaction party, and obtaining the bill receivable of the second transaction party. And carrying out transaction processing on the second transaction party and the third transaction party according to the bill voucher generated by the target institution based on the bill to be collected. And after the receivable condition of the receivable bill is triggered, resource transfer from the first trading party to the second trading party and from the second trading party to the target institution is carried out.

Drawings

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

FIG. 1 is a flow diagram of a transaction processing method provided in one or more embodiments of the present disclosure;

fig. 2 is a processing flow diagram of a first transaction processing method applied to a transaction scenario, according to one or more embodiments of the present disclosure;

fig. 3 is a processing flow diagram of a second transaction processing method applied to a transaction scenario, provided in one or more embodiments of the present disclosure;

FIG. 4 is a schematic diagram of a transaction processing device according to one or more embodiments of the present disclosure;

fig. 5 is a schematic structural diagram of a transaction processing device according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

The embodiment of a transaction processing method provided by the specification comprises the following steps:

referring to fig. 1, which shows a processing flow chart of a transaction processing method provided by the present embodiment, referring to fig. 2, which shows a processing flow chart of a transaction processing method applied to a transaction scenario provided by the present embodiment, referring to fig. 3, which shows a processing flow chart of a transaction processing method applied to a transaction scenario provided by the second embodiment.

Referring to fig. 1, the transaction processing method provided in this embodiment specifically includes steps S102 to S104.

Step S102, carrying out guarantee transaction based on the transaction information of the first transaction party and the second transaction party, and obtaining the bill to be received of the second transaction party.

The transaction processing method provided by this embodiment introduces credit guarantee and warranty service in a transaction system, obtains a bill due to the intermediate transaction party by performing credit guarantee on a transaction between a downstream transaction party and the intermediate transaction party, and in a process of performing a transaction between the intermediate transaction party and an upstream transaction party, submits the bill due to the intermediate transaction party to a warranty organization, so that the warranty service is provided for the transactions between the intermediate transaction party and the upstream transaction party by the warranty organization, specifically, a receipt voucher generated based on the bill due to be received is transferred from the intermediate transaction party to the upstream transaction party, so that the receipt voucher is used as a voucher for resource redemption by the upstream transaction party, and after detecting that a condition to be received of the bill due to be received is triggered, resource transfer is performed from the downstream transaction party to the intermediate transaction party and from the intermediate transaction party to the warranty organization, so as to complete resource circulation related to the downstream transaction party, thereby realizing, The transaction closed loop of the intermediate transaction part and the transaction closed loop of the upstream transaction part improve the resource utilization efficiency in the transaction process and reduce the resource risk in the transaction process.

In this embodiment, the first transaction part, the second transaction part and the third transaction part refer to the parties involved in the transaction. Optionally, the first transaction part includes a downstream transaction part in a transaction link, the third transaction part includes an upstream transaction part in the transaction link, and the second transaction part includes an intermediate transaction part between the downstream transaction part and the upstream transaction part in the transaction link. For example, in a supply chain scenario, an upstream trading party is a supplier, an intermediate trading party is a wholesaler supplied with goods by the wholesaler, and both parties trade for the goods supply; the downstream transaction party is a merchant who wholesalers goods from the wholesalers or a subordinate wholesaler, and the two parties trade goods for wholesale.

In a specific implementation, a credit guarantee is introduced in a transaction process of a first transaction party and a second transaction party, so as to reduce resource pressure of the first transaction party in the transaction process, and for the second transaction party, the credit guarantee of a guarantee platform can ensure that a corresponding transaction resource can be obtained from the first transaction party after the transaction is completed, or the guarantee platform can be used for bearing the transaction resource which is due by the first transaction party, so as to avoid resource loss of the second transaction party, specifically, in an optional implementation manner provided by this embodiment, the guarantee transaction of the first transaction party and the second transaction party is performed in the following manner:

detecting whether the transaction amount contained in the transaction information is less than or equal to a credit guarantee amount of the first transaction party determined by a guarantee platform;

if the credit guarantee limit granted to the first trading party by the guarantee platform is enough to bear the current trading amount of the first trading party and the second trading party for carrying out guarantee trading, carrying out guarantee trading of the first trading party and the second trading party based on the trading information, obtaining the bill to be received and issuing the bill to the second trading party;

if not, the credit guarantee amount granted to the first trading party by the guarantee platform is not enough to bear the current trading amount of the first trading party and the second trading party for guarantee trading, the trading of the two parties is split, so that the first trading party can reasonably utilize the credit guarantee amount granted by the guarantee platform, and particularly, the following optional implementation modes are adopted for carrying out trading splitting processing: splitting the transaction amount into a vouching sub-amount and a payment sub-amount based on the credit vouching amount; and carrying out the guarantee transaction of the first transaction party and the second transaction party based on the guarantee sub-limit, generating a bill receivable corresponding to the guarantee sub-limit, and transferring the resource corresponding to the payment sub-limit from the account of the first transaction party to the account of the second transaction party.

Wherein, the amount to be collected of the bill to be collected is determined according to the transaction amount contained in the transaction information or the credit guarantee amount of the first transaction party; if the transaction amount is less than or equal to the credit guarantee amount, determining the amount to be collected of the bill to be collected based on the transaction amount; if the transaction amount is greater than the credit guarantee amount, the due amount of the due bill is determined based on the credit guarantee amount.

In practical application, delivery or transfer of a transaction object is often involved in a transaction process, for example, in a supply chain scenario, in a process of a transaction between a wholesaler and a supplier, the wholesaler needs to supply the transaction object to the wholesaler, and in a process of a transaction between a merchant or a next-level wholesaler and the wholesaler, the wholesaler needs to supply the transaction object to the merchant or the next-level wholesaler, for this reason, in an optional implementation manner provided in this embodiment, a transaction manner of the delivery of the transaction object in the transaction process is provided, and specifically, a guarantee transaction performed by a first transaction party and a second transaction party in the transaction manner is implemented in the following manner:

creating a first transaction order of a first transaction object according to transaction information of the first transaction object carried in a transaction request submitted by the first transaction party, and generating a receivable bill corresponding to the first transaction order based on guarantee of a credit guarantee platform; the receivable bill is the bill of the receivable account;

and issuing the bill due to the second transaction party so that the second transaction party distributes the first transaction object to the first transaction party based on the bill due to the second transaction party.

For example, in the process of performing a goods transaction between a merchant and an upstream wholesaler in a supply chain scenario, after transaction information of the goods transaction submitted by the merchant is acquired, a corresponding goods transaction order is created for the currently transacted goods, the goods transaction order is submitted to a credit guarantee platform, the goods transaction order is guaranteed by the credit guarantee platform according to the credit of the merchant, an account receivable bill of the goods transaction order is generated, the generated account receivable bill is sent to the wholesaler, so that the wholesaler takes the account receivable bill as a credential for subsequently collecting the goods from the merchant, and meanwhile, after receiving the account receivable bill, the wholesaler delivers the currently transacted goods to the merchant.

In addition to the above-mentioned transaction method for transaction delivery during transaction, in order to avoid backlog of transaction obtained by downstream transaction party from transaction of upstream transaction party, therefore, resource pressure and even resource loss of downstream transaction parties are caused, in another alternative embodiment provided by this embodiment, a transaction mode for transaction reservation is provided, it should be noted that, in the transaction mode of the transaction reservation, the transfer or assignment of the transaction object is performed after the transaction between the first transaction party and the second transaction party and the transaction between the second transaction party and the third transaction party are completed, optionally, after the transaction processing of the second transaction party and the third transaction party is completed, generating a transaction object distribution instruction and executing the transaction object distribution instruction, so that the third transaction party distributes the transaction object to the second transaction party and the transaction object is distributed by the second transaction party to the first transaction party.

Specifically, the guarantee transaction performed by the first transaction party and the second transaction party in the transaction mode is realized in the following mode:

creating a transaction application order of the transaction object according to the transaction application information of the transaction object carried in the transaction request submitted by the first transaction party;

and submitting the transaction application order to the guarantee platform, and acquiring a bill to be received corresponding to the transaction application order generated by the guarantee platform.

For example, in the process of reserving goods by a merchant and an upstream wholesaler in a supply chain scene, the merchant and the upstream wholesaler achieve a transaction for goods reservation, specifically, in the transaction process, after transaction information for goods reservation submitted by the merchant is acquired, a corresponding goods reservation order is created for the currently transacted goods, the goods reservation order is submitted to a credit guarantee platform, the credit guarantee platform guarantees the goods reservation order according to the credit of the merchant, an account receivable of the goods reservation order is generated for the wholesaler, a subsequent transaction between the wholesaler and the supplier is completed until the wholesaler obtains the goods from the supplier, and the merchant delivers the corresponding goods.

And step S104, performing transaction processing of the second transaction party and a third transaction party according to a bill voucher generated by the target institution based on the bill to be collected.

In this embodiment, a warranty service is introduced into a transaction process between a second transaction party and a third transaction party, so as to improve flexibility of the third transaction party in resource redemption related to transactions, and there is no need to obtain resources after the second transaction party obtains transaction resources from the first transaction party, specifically, in an optional implementation manner provided in this embodiment, the transaction process between the second transaction party and the third transaction party is performed according to a ticket credential generated by a target institution based on the bill to be received, and the process includes:

submitting the bill to be collected to a warranty organization, and acquiring a bill voucher generated by the warranty organization aiming at the bill to be collected;

transferring the ticket voucher from the second transaction part to the third transaction part to perform transaction processing of the second transaction part and the third transaction part. Wherein the target institution comprises a third party institution providing warranty services, such as a third party warranty institution, a third party financial institution. The ticket voucher refers to a voucher with redemption effectiveness, such as a ticket or ticket that a supplier can redeem transaction funds with a third-party warranty agency, a third-party financial institution.

It should be noted that the receivable bills provided by the second transaction party in the transaction process with the third transaction party may be the receivable bills obtained by the second transaction party performing the security transaction with one first transaction party, or may be a plurality of receivable bills obtained by performing the security transaction with a plurality of first transaction parties; in other words, the second party may provide one or more accounts receivable bills to the warranty agency during the transaction with the third party, and the warranty agency may generate and transfer a voucher to the third party based on the one or more accounts receivable bills provided by the second party. In addition, where the second transaction party provides multiple accounts receivable to the warranty institution, the warranty institution may also generate and transfer to a third transaction party a corresponding multiple-instrument voucher based on the multiple accounts receivable provided by the second transaction party.

As described above, in the transaction mode of delivering the transaction object during the transaction process, the transaction processing between the second transaction party and the third transaction party is implemented by the following optional implementation modes:

according to the transaction information of the second transaction object carried in the transaction request submitted by the second transaction party, submitting the transaction information of the second transaction object and the bill to be received to a warranty organization;

and acquiring a bill voucher corresponding to the bill to be collected, which is returned by the warranty organization, and transferring the bill voucher from the second transaction party to the third transaction party, so that the third transaction party distributes the second transaction object to the second transaction party based on the bill voucher.

For example, in the process of goods transaction between a wholesaler and an upstream supplier in a supply chain scenario, the wholesaler submits a bill for receivable payment obtained by a guarantee transaction with the merchant to a warranty after proposing a goods transaction with the supplier, the warranty issues a bill corresponding to the bill for receivable payment to the wholesaler after receiving the bill for receivable payment submitted by the wholesaler, the issued bill is transferred to the supplier, and the supplier delivers the goods involved in the transaction to a second transaction party after obtaining the bill.

In order to increase the transaction achievement rate and improve the resource utilization efficiency of the second transaction party and the third transaction party during the second-stage transaction between the second transaction party and the third transaction party, in an optional implementation manner provided by this embodiment, the warranty organization performs transaction processing based on the transaction amount of the bill to be collected during the process of generating the bill to be collected certificate, and if the transaction amount of the bill to be collected (i.e., the transaction amount of the first-stage transaction between the first transaction party and the second transaction party) is less than or equal to the transaction amount of the second transaction object (i.e., the transaction amount of the second-stage transaction between the second transaction party and the third transaction party), generates the bill to be collected certificate and gives the bill to the third transaction party; and if the transaction amount of the bill to be collected is larger than the transaction amount of the second transaction object, splitting the transaction amount of the second transaction object, generating a bill voucher corresponding to the bill to be collected based on the first sub-amount obtained by splitting, calling a guarantee platform to carry out guarantee transaction on the second sub-amount obtained by splitting, and endowing the bill voucher and the second bill to be collected obtained by guarantee transaction to the third transaction party.

Specifically, after receiving the transaction information of the second transaction object and the bill to be collected, the warranty agency performs the following operations:

judging whether the transaction amount of the bill to be received is less than or equal to the transaction amount of the second transaction object;

if so, generating a bill voucher corresponding to the bill to be collected and returning the bill voucher to the third transaction party;

if not, calculating the residual transaction amount of the second transaction party based on the transaction amount of the bill to be collected and the transaction amount of the second transaction object;

generating a bill voucher corresponding to the bill to be collected based on the transaction amount of the bill to be collected and returning the bill voucher to the third transaction party, and calling a guarantee platform to execute guarantee transaction of the second transaction party and the third transaction party; the wager amount of the wager transaction is consistent with the remaining transaction amount.

As described above, in a predetermined transaction mode, after the transaction processing between the second transaction part and the third transaction part is completed, a transaction object distribution instruction is generated and executed, so that the third transaction part distributes the transaction object to the second transaction part and the second transaction part distributes the transaction object to the first transaction part; the method for processing a transaction between a first transaction party and a second transaction party includes performing a transaction processing between the second transaction party and a third transaction party on the basis of a bill to be received corresponding to a transaction application order generated by a first transaction party and the second transaction party through a guarantee transaction, specifically, performing a transaction processing between the second transaction party and the third transaction party according to a receipt credential generated by a target institution based on the bill to be received, and includes:

submitting the bill to be collected corresponding to the transaction application order to a warranty agency, and acquiring a bill voucher generated by the warranty agency based on the bill to be collected corresponding to the transaction application order;

transferring the instrument voucher from the second counterparty to the third counterparty.

For example, in the process of reserving goods between a merchant and an upstream wholesaler in a supply chain scene, an account receivable bill of the wholesaler is submitted to a warranty organization, the warranty organization generates a bill corresponding to the account receivable bill and transfers the generated bill to the supplier, after the supplier obtains the bill, the supplier delivers the reserved goods to the wholesaler, and then the wholesaler delivers the reserved goods to the merchant.

In specific implementation, after the transactions between the first transaction party and the second transaction party and between the second transaction party and the third transaction party are completed, the second transaction party obtains a bill to be received, the third transaction party obtains a bill voucher corresponding to the bill to be received, and corresponding resource transfer is performed according to a condition to be received in the bill to be received, wherein the condition to be received comprises that the application time expires, or the guarantee platform performs resource deduction successfully in a resource deduction process of an account of the first transaction party in a polling manner. Specifically, after the receivable condition of the receivable bill is triggered, resource transfer from the first transaction party to the second transaction party and from the second transaction party to the target institution is performed. Specifically, the resource transfer from the first transaction part to the second transaction part and from the second transaction part to the target institution includes:

transferring the credit guarantee amount or the resource corresponding to the transaction amount from the account of the first transaction party to the account of the second transaction party based on the credit guarantee amount or the transaction amount recorded in the bill to be billed;

transferring the resource corresponding to the resource amount from the account of the second transaction party to the account of the warranty organization according to the resource amount recorded in the bill voucher; or, resource deduction is performed by the warranty agency from an account of the second transaction party according to the resource amount.

Here, when the receipt voucher is redeemed before the receivable condition of the receivable bill is triggered, the resource transfer from the first transaction part to the second transaction part and the resource transfer from the second transaction part to the target institution may be performed; wherein, the cashing and paying process of the bill voucher specifically comprises the following steps: acquiring a pre-settlement resource honored by the warranty organization based on the bill and certificate corresponding to the certificate identification according to the pre-settlement request submitted by the third transaction direction to the warranty organization and containing the certificate identification; transferring the pre-paid resource into an account of the third transaction party, and updating the cashing state of the bill voucher corresponding to the voucher identification from the un-cashing state to the cashing state;

and under the condition that the bill voucher is not cashed before the receivable condition of the bill to be received is triggered, after resource transfer from the first transaction party to the second transaction party and from the second transaction party to the target institution is carried out, transferring the resource corresponding to the resource amount from the account of the warranty institution to the account of the third transaction party, and completing the resource transfer from the warranty institution to the third transaction party.

In addition to the above-mentioned resource transfer implementation, the resource transfer processing may be performed according to a redeemed state of the ticket voucher, and if the ticket voucher is in a redeemed state, the resource transfer from the first transaction party to the second transaction party and from the second transaction party to the target institution is performed; and if the transaction is in the non-cashing state, transferring resources from the first transaction party to the second transaction party, from the second transaction party to the target mechanism and from the target mechanism to the third transaction party.

In this embodiment, a first trading party, a second trading party, and a third trading party are all parties involved in a trade, and the trade process is described by taking a downstream trading party in a trade link as the first trading party, an upstream trading party in the trade link as the third trading party, and an intermediate trading party between the downstream trading party and the upstream trading party in the trade link as the second trading party as an example; similarly, the second transaction part and the third transaction part can both perform the guarantee transaction with the transaction part upstream of the first transaction part in the role of the first transaction part, for example, the guarantee transaction between the second transaction part and the third transaction part is performed by the provided invoking guarantee platform; the first trading party and the second trading party can also perform trading processing with trading parties downstream of the first trading party and the second trading party in the role of the first trading party.

In addition, when there are other transaction parties in the transaction link, the other transaction parties in the transaction link may also be incorporated into the transaction system provided in this embodiment, for example, the following transaction processes of the third transaction party and the fourth transaction party are provided:

according to the bill voucher submitted by the third trading party, carrying out transaction processing on the third trading party and a fourth trading party; and after the receivable condition of the receivable bill is triggered, resource transfer from a third trading party to the target institution and from the target institution to the fourth trading party is carried out.

Alternatively, the first and second electrodes may be,

according to a bill voucher mirror image generated by a warranty organization based on the bill voucher, transaction processing of the third transaction party and the fourth transaction party is carried out; and after the receivable condition of the receivable bill is triggered, resource transfer from a third trading party to the warranty agency and from the warranty agency to a fourth trading party is carried out.

The following further describes the transaction processing method provided in this embodiment by taking an application of the transaction processing method provided in this embodiment in a transaction scenario as an example, referring to fig. 2, the transaction processing method applied in the transaction scenario specifically includes steps S202 to S212.

Step S202, based on the transaction information of the downstream transaction party and the intermediate transaction party, a guarantee platform is called to carry out guarantee transaction, and the bill to be received of the intermediate transaction party is obtained.

Wherein, under an online implementation scenario, the intermediate trading party delivers the first transaction to the downstream trading party after obtaining the bill to be collected. And under an online implementation scene, generating and executing a delivery instruction of the first transaction object after the bill to be received of the intermediate transaction party is obtained, so that the intermediate transaction party delivers the first transaction object to the downstream transaction party.

And step S204, submitting the bill to be billed of the intermediate transaction party to the warranty organization, and acquiring a bill voucher generated by the warranty organization aiming at the bill to be billed.

Step S206, the bill voucher is transferred from the intermediate trading party to the upstream trading party so as to carry out the trading processing of the intermediate trading party and the upstream trading party.

And in the online implementation scene, the upstream trading party delivers the second trading object to the intermediate trading party after obtaining the bill voucher. And under an online implementation scene, generating a delivery instruction of the second transaction object after the bill and voucher are transferred and executing the delivery instruction so that the upstream transaction party delivers the second transaction object to the intermediate transaction party.

And step S208, acquiring a pre-settlement resource for bill and certificate redemption corresponding to the certificate identification by the warranty agency according to the fact that the pre-settlement request submitted by the upstream transaction direction to the warranty agency contains the certificate identification.

Step S210, transferring the pre-paid resource into an account of an upstream transaction party, and updating the bill voucher corresponding to the voucher identification from the non-cashed state to the cashed state.

Step S212, after detecting that the condition of the bill receivable is triggered, the resource transfer from the downstream transaction party to the intermediate transaction party and from the intermediate transaction party to the warranty agency is performed.

The following further describes the transaction processing method provided in this embodiment by taking an application of the transaction processing method provided in this embodiment in a transaction scenario as an example, referring to fig. 3, the transaction processing method applied in the transaction scenario specifically includes steps S302 to S312.

Step S302, a trade application order is created according to the trade application information of the trade object carried in the trade request of the first trading party to submit and the second trading party.

Step S304, the transaction application order is submitted to the guarantee platform, and the bill to be received corresponding to the transaction application order generated by the guarantee platform is obtained.

And step S306, submitting the bill to be collected to the warranty organization, and acquiring a bill voucher generated by the warranty organization based on the bill to be collected.

Step S308, the bill voucher is transferred from the second trading party to a third trading party.

Step S310, generating a transaction object distribution instruction and executing the transaction object distribution instruction so that the third transaction party distributes the transaction object to the second transaction party and the second transaction party distributes the transaction object to the first transaction party.

Step S312, after the receivable condition of the bill to be received is triggered, the resource is transferred according to the cashing state of the bill voucher.

If the bill voucher is in a paid state, transferring resources from the first transaction party to the second transaction party and from the second transaction party to the target mechanism;

if the bill voucher is in an un-cashed state, resource transfer is carried out from the first trading party to the second trading party, from the second trading party to the warranty agency, and from the warranty agency to the third trading party.

The embodiment of a transaction processing device provided by the present specification is as follows:

in the above embodiments, a transaction processing method is provided, and a transaction processing apparatus is provided, which is described below with reference to the accompanying drawings.

Referring to fig. 4, a schematic diagram of a transaction processing device provided in this embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The embodiment provides a transaction processing device, comprising:

a guaranteed transaction module 402 configured to conduct a guaranteed transaction based on transaction information of a first transaction party and a second transaction party, obtaining an account receivable of the second transaction party;

a transaction processing module 404 configured to perform transaction processing between the second transaction party and a third transaction party according to a ticket voucher generated by the target institution based on the billable bill; and after the receivable condition of the receivable bill is triggered, resource transfer from the first trading party to the second trading party and from the second trading party to the target institution is carried out.

The embodiment of a transaction processing device provided by the specification is as follows:

corresponding to the above-described transaction processing method, based on the same technical concept, one or more embodiments of the present specification further provide a transaction processing device, which is configured to execute the above-described provided transaction processing method, and fig. 5 is a schematic structural diagram of a transaction processing device provided in one or more embodiments of the present specification.

The embodiment provides a transaction processing device, which comprises:

as shown in fig. 5, the transaction processing device may have a large difference due to different configurations or performances, and may include one or more processors 501 and a memory 502, and one or more stored applications or data may be stored in the memory 502. Memory 502 may be, among other things, transient or persistent storage. The application program stored in memory 502 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a transaction processing device. Still further, the processor 501 may be arranged in communication with the memory 502 to execute a series of computer executable instructions in the memory 502 on the transaction processing device. The transaction processing device may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input/output interfaces 505, one or more keyboards 506, and the like.

In one particular embodiment, the transaction processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the transaction processing apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

performing guarantee transaction based on transaction information of a first transaction party and a second transaction party, and obtaining a bill to be received of the second transaction party;

performing transaction processing of the second transaction party and a third transaction party according to a bill voucher generated by the target institution based on the bill to be collected;

and after the receivable condition of the receivable bill is triggered, resource transfer from the first trading party to the second trading party and from the second trading party to the target institution is carried out.

An embodiment of a storage medium provided in this specification is as follows:

in response to the above-described transaction processing method, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the transaction processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described 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 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 30 s of the 20 th century, improvements in a technology could clearly be distinguished 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: the ARC625D, 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 multiple software and/or hardware when implementing the embodiments of the present description.

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

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. 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 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, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks 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.

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. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A transaction processing method, comprising:

2. The transaction processing method of claim 1, further comprising:

acquiring a pre-settlement resource honored by the warranty organization based on the bill and certificate corresponding to the certificate identification according to the pre-settlement request submitted by the third transaction direction to the warranty organization and containing the certificate identification;

and transferring the pre-paid resource into an account of the third transaction party, and updating the cashing state of the bill voucher corresponding to the voucher identification from the un-cashing state to the cashing state.

3. The transaction processing method of claim 1, wherein the conducting a vouching transaction based on transaction information of a first transaction party and a second transaction party, obtaining an account receivable of the second transaction party, comprises:

and if so, carrying out the guarantee transaction of the first transaction party and the second transaction party based on the transaction information, obtaining the bill to be received and issuing the bill to the second transaction party.

4. The transaction processing method according to claim 3, if the result of the execution after the sub-step of detecting whether the transaction amount included in the transaction information is less than or equal to the credit guarantee amount of the first transaction party determined by the guarantee platform is negative, performing the following operations:

splitting the transaction amount into a vouching sub-amount and a payment sub-amount based on the credit vouching amount;

and carrying out the guarantee transaction of the first transaction party and the second transaction party based on the guarantee sub-limit, generating a bill receivable corresponding to the guarantee sub-limit, and transferring the resource corresponding to the payment sub-limit from the account of the first transaction party to the account of the second transaction party.

5. The transaction processing method of claim 1, wherein the processing of the transaction between the second transaction party and a third transaction party according to the instrument voucher generated by the target institution based on the billable bill comprises:

transferring the ticket voucher from the second transaction part to the third transaction part to perform transaction processing of the second transaction part and the third transaction part.

6. The transaction-processing method of claim 1, the resource transfer from the first counterparty to the second counterparty, the second counterparty to the target institution, comprising:

7. The transaction processing method of claim 1, further comprising, after completion of the operation of resource transfer from the first counterparty to the second counterparty and the second counterparty to the target institution:

and transferring the resource corresponding to the resource amount from the account of the warranty agency to the account of the third transaction party.

8. The transaction processing method of claim 1, wherein the conducting a vouching transaction based on transaction information of a first transaction party and a second transaction party, obtaining an account receivable of the second transaction party, comprises:

creating a first transaction order of a first transaction object according to transaction information of the first transaction object carried in a transaction request submitted by the first transaction party, and generating a receivable bill corresponding to the first transaction order based on guarantee of a credit guarantee platform;

9. The transaction processing method of claim 1, wherein the processing of the transaction between the second transaction party and a third transaction party according to the instrument voucher generated by the target institution based on the billable bill comprises:

10. The transaction processing method of claim 9, wherein the warranty authority performs the following operations after receiving the transaction information of the second transaction object and the receivable bill:

11. The transaction processing method of claim 1, upon completion of the transaction processing, generating and executing a transaction object distribution instruction to cause the third transaction party to distribute the transaction object to the second transaction party and to distribute the transaction object to the first transaction party by the second transaction party.

12. The transaction processing method of claim 11, wherein the conducting a vouching transaction based on transaction information of a first transaction party and a second transaction party, obtaining an account receivable of the second transaction party, comprises:

13. The transaction processing method of claim 12, wherein the processing of the transaction between the second transaction party and a third transaction party according to the instrument voucher generated by the target institution based on the billable bill comprises:

14. The transaction processing method of claim 1, the first transaction party comprising a downstream transaction party in a transaction link, the third transaction party comprising an upstream transaction party in the transaction link, the second transaction party comprising an intermediate transaction party between the downstream and upstream transaction parties in the transaction link.

15. The transaction processing method of claim 1, further comprising:

according to the bill voucher submitted by the third trading party, carrying out transaction processing on the third trading party and a fourth trading party;

and after the receivable condition of the receivable bill is triggered, resource transfer from a third trading party to the target institution and from the target institution to the fourth trading party is carried out.

16. The transaction processing method of claim 1, further comprising:

according to a bill voucher mirror image generated by a warranty organization based on the bill voucher, transaction processing of the third transaction party and the fourth transaction party is carried out;

and after the receivable condition of the receivable bill is triggered, resource transfer from the third trading party to the warranty agency and from the warranty agency to the fourth trading party is performed.

17. A transaction processing device comprising:

the system comprises a guaranteed transaction module, a first transaction module and a second transaction module, wherein the guaranteed transaction module is configured to conduct guaranteed transaction based on transaction information of a first transaction party and a second transaction party and obtain receivable bills of the second transaction party;

the transaction processing module is configured to perform transaction processing of the second transaction party and a third transaction party according to a bill voucher generated by a target institution based on the bill to be collected; and after the receivable condition of the receivable bill is triggered, resource transfer from the first trading party to the second trading party and from the second trading party to the target institution is carried out.

18. A transaction processing device comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

19. A storage medium storing computer-executable instructions that when executed implement the following: