CN110264358A

CN110264358A - A kind of transaction processing method and device

Info

Publication number: CN110264358A
Application number: CN201910509764.6A
Authority: CN
Inventors: 刘明; 江旻; 吴磊; 岳华明
Original assignee: WeBank Co Ltd
Current assignee: WeBank Co Ltd
Priority date: 2019-06-13
Filing date: 2019-06-13
Publication date: 2019-09-20

Abstract

The present embodiments relate to financial technology (Fintech) technical fields, disclose a kind of transaction processing method and device, wherein method includes: the Transaction Information for receiving the first transaction that transaction first party is sent, it include the value of the corresponding transaction feature of the first transaction in the Transaction Information of first transaction, the value of the corresponding transaction feature of first transaction is matched with a plurality of trading rules, target transaction rule is obtained, and executes the first transaction between transaction first party and transaction second party using target transaction rule.A kind of general transaction processing method is developed in the embodiment of the present invention, the multi-exchange that can be submitted to multiple business system is handled, it is suitable for the target transaction rule of each transaction by determining, target transaction rule can be used and accurately execute each transaction, without developing transaction code again, so as to reduce cost, the efficiency of trading processing is improved.

Description

A kind of transaction processing method and device

Technical field

The present invention relates to financial technology (Fintech) technical field more particularly to a kind of transaction processing methods and device.

Background technique

With the development of computer technology, more and more technical applications are in financial field, and traditional financial industry is also Gradually change to financial technology (Fintech), however, due to the safety of financial industry, requirement of real-time, so that financial technology To technology, more stringent requirements are proposed in field.It would generally be related to multi-exchange, such as money transfer transactions, loan in financial technology field Money transaction, insurance transaction etc., multi-exchange is safeguarded by being responsible for the operation system of multi-exchange respectively.For example, it is responsible for turning If the operation system A of account transaction receives a transferred account service of user's submission, operation system A can be directed to the pen and transfer accounts Downstream system (such as bank) proposes transfer request to business, can be according in this way, down-stream system is after receiving transfer request Transfer request executes transfer operation, and transfer result (success or failure) can be sent to operation system A.However, every kind of industry Business system can may receive up to ten thousand or hundreds of thousands of service requests daily, therefore, if operation system often receives an industry Business request then resets implementation procedure of successively trading, it will usually so that the treatment effeciency of transaction is lower.

Based on this, it is contemplated that same class business generally has more similitude, and therefore, the prior art is typically based on specifically Business demand setting transaction executive mode.For example, Fig. 1 a is the stream that transaction of making loans is executed in the first operation system of one kind Journey schematic diagram, Fig. 1 b are the flow diagram that transaction of making loans is executed in the second operation system of one kind；As illustrated in figs. 1A and ib, exist In first operation system, transaction of making loans needs first to collect guarantee fund, and collects successfully the executable operation of making loans in rear in guarantee fund, And in the second operation system, transaction of making loans is without collecting guarantee fund, it can directly executes operation of making loans.With the first business system For system, in the above method, the first operation system is based on specific business demand (the i.e. responsible industry of making loans of the first operation system Business demand) the corresponding transaction processing method of setting leads to the so that transaction processing method is coupled with specific business demand The transaction processing method of making loans that two operation systems are not available the first operation system executes transaction of making loans.In this way, the second business system System needs transaction processing method of making loans according to the loan service demand of oneself setting, lower so as to cause the efficiency of trading processing, And the different a large amount of similar codes of operation system overlapping development, so that development cost is higher.

To sum up, a kind of transaction processing method is needed at present, to improve the efficiency of trading processing, and reduces development cost.

Summary of the invention

The embodiment of the present invention provides a kind of transaction processing method, to improve the efficiency of trading processing, and reduce exploitation at This.

In a first aspect, a kind of transaction processing method provided in an embodiment of the present invention, which comprises

The Transaction Information for the first transaction that transaction first party is sent is received, includes institute in the Transaction Information of first transaction The value of the corresponding transaction feature of the first transaction is stated, and then the value of the corresponding transaction feature of first transaction and a plurality of transaction are advised It is then matched, obtains target transaction rule；It include at least one transaction in every trading rules of a plurality of trading rules The value of feature, the transaction corresponding with first transaction of the value at least one transaction feature that the target transaction rule includes are special The matching degree of the value of sign is greater than the first preset threshold；Further, using the target transaction rule in the transaction first First transaction is executed between side and transaction second party.

In above-mentioned design, the transaction feature that includes by presetting multi-exchange rule and multi-exchange rule Value, the value for the corresponding transaction feature that can be traded according to a certain item and the matching degree of a plurality of trading rules are determined for executing this The target transaction rule of transaction, and then target transaction rule can be used and execute the transaction；That is, above-mentioned design and develop A kind of general transaction processing method, the multi-exchange that can be submitted to multiple business system are handled, are applicable in by determining In the target transaction rule of each transaction, target transaction rule can be used and accurately execute each transaction, without developing again Transaction code improves the efficiency of trading processing so as to reduce cost.

It is described to use the target transaction rule in the transaction first party and transaction second in a kind of possible design First transaction is executed between side, comprising: obtain corresponding the first~the N of the target transaction rule and execute process, if institute It states the first transaction and meets the described first execution condition for executing process, then using the value of the corresponding transaction feature of first transaction It executes described first and executes process, obtain described first and execute the corresponding implementing result of process；And it is directed to described second~ N executes the I in process and executes process, if the I -1 executes the corresponding implementing result of process and meets I execution process Execution condition then executes the I using the value of the corresponding transaction feature of first transaction and executes process, obtains the I Execute the corresponding implementing result of process；Wherein, I > 1.

In above-mentioned design, by the corresponding execution process of every trading rules of setting, it can be advised determining target transaction After then, the corresponding quantity for executing process of pending transaction is got, in this way, a complicated transaction can be split as multiple Process is executed, by multiple implementing results for executing process and executes condition realization to the implementation procedure of complex transaction；Namely It says, above-mentioned design, can be to financial section by the way that a plurality of trading rules and the corresponding execution process of a plurality of trading rules is arranged Any one transaction in skill field is handled, so that transaction processing method more meets actual needs, and applies model It encloses wider.

In a kind of possible design, the value using the corresponding transaction feature of first transaction executes the I Execute process, comprising: it is corresponding that the mark and the I for obtaining the corresponding transaction second party of the I execution process execute process Type of transaction, the I is obtained from the corresponding transaction feature of first transaction, and to execute the corresponding target transaction of process special Sign；Further, the mark that the corresponding transaction second party of process is executed according to the I, sends to the transaction second party and hands over Easily request；The transaction request includes mark and the target transaction spy that the I executes the corresponding transaction second party of process The value of sign；If it is isochronous transaction type that the I, which executes the corresponding type of transaction of process, the transaction second party is waited to execute The I executes process, and receives the implementing result that the I that the transaction second party is sent executes process；If the I Executing the corresponding type of transaction of process is asynchronous transaction type, then in the acknowledgement instruction for receiving the transaction second party transmission Afterwards, the execution state that the I executes process is monitored, and after the completion of determining that the I executes process execution, from the transaction Second party obtains the I and executes the corresponding implementing result of process, the acknowledgement instruction be used to indicate the transaction second party at Function receives the transaction request.

In above-mentioned design, by the corresponding executive mode of setting type of transaction, so that the transaction of different type of transaction can To be realized by unified interface, in this way, the transaction of isochronous transaction type and the transaction of asynchronous transaction type can lead to The transaction processing method crossed in above-mentioned design is implemented；By the normal executive condition of the transaction to different type of transaction, different Normal executive condition is packaged processing, can be adapted for all kinds of abnormal execution scenes in financial technology field, so as to so that It obtains transaction processing method and more meets actual needs.

In a kind of possible design, the method also includes: if it is to hold that the I, which executes the corresponding implementing result of process, Row failure then determines the need for retracting to I execution process, if really according to scene belonging to first transaction It is fixed to need to retract to I execution process, then it is corresponding that the I execution process is obtained from the target transaction rule Default rollback mode, and using the default rollback mode to the I execute process retract.

In above-mentioned design, by configuring the corresponding default rollback mode of each execution process in target transaction rule, When a certain execution process executes failure, it may not need artificial determine how and retract, so as to automatically realize friendship Tractable process；And when a certain execution process executes failure, determined the need for pair according to scene belonging to the first transaction The execution process retracts, user can be arranged according to actual scene the corresponding trading processing mode of the execution process (such as Retract, re-execute, abandoning execution etc.), so that transaction processing method is more in line with actual conditions.

In a kind of possible design, the method also includes: if it is to transfer accounts that the I, which executes process, described in acquisition I executes the corresponding side's of the producing account information of process and the side's of being transferred to account information, and establishes the default side's of producing Account Type and institute The corresponding relationship for stating the side's of producing account information, the default side's of being transferred to Account Type and the side's of being transferred to account information, obtains account and matches Set table；Using default transfer accounts program and the account allocation list execution I execution process, wrapped in the default program of transferring accounts Include the default side's of producing Account Type and the default side's of being transferred to Account Type.

Above-mentioned design proposes a kind of general transfer account method, can by the way that Account Type is arranged in default program of transferring accounts To complete the money transfer transactions of different scenes by the corresponding account information of account classification in more New Account allocation list；Compared to existing Technology by the way of configuring specific account information for, can simplify transfer process, improve the efficiency for processing of transferring accounts.

In a kind of possible design, the value and a plurality of trading rules by the corresponding transaction feature of first transaction It is matched, obtains target transaction rule, comprising: by the value and a plurality of transaction of the corresponding transaction feature of first transaction Rule is matched, and the matching journey of the value of transaction feature corresponding with first transaction is obtained from a plurality of trading rules Degree is greater than the alternative trading rules of the first preset threshold；Further, a plurality of alternative trading rules if it exists, then from described a plurality of Select the alternative trading rules of highest priority as target transaction rule in alternative trading rules.

It, then can be according to the preferential of trading rules if it exists with a plurality of trading rules of deals match in above-mentioned design Grade uniquely determines a target trading rules, so as to ensure to execute transaction using most matched target transaction rule；And it hands over The priority of easily rule can determine during the experiment to be obtained, so as to improve the accuracy of trading processing.

Second aspect, a kind of traction processing apparatus provided in an embodiment of the present invention, described device include:

Transceiver module, for receiving the Transaction Information for the first transaction that transaction first party is sent, the friendship of first transaction It include the value of the corresponding transaction feature of first transaction in easy information；

Matching module, for the value of the corresponding transaction feature of first transaction to be matched with a plurality of trading rules, Obtain target transaction rule；It include the value of at least one transaction feature, institute in every trading rules of a plurality of trading rules State of the value of the value transaction feature corresponding with first transaction at least one transaction feature that target transaction rule includes It is greater than the first preset threshold with degree；

Transaction modules, for being executed between the transaction first party and transaction second party using the target transaction rule First transaction.

In a kind of possible design, the transaction modules are specifically used for: obtaining target transaction rule corresponding the One~the N executes process, if first transaction meets the described first execution condition for executing process, hands over using described first The value of easy corresponding transaction feature executes described first and executes process, obtains described first and executes the corresponding implementing result of process； And be directed to the I that the second~the N is executed in process and execute process, if the I -1 executes the corresponding execution of process As a result meet the execution condition that I executes process, then execute the I using the value of the corresponding transaction feature of first transaction Process is executed, the I is obtained and executes the corresponding implementing result of process；Wherein, I > 1.

In a kind of possible design, the transaction modules are specifically used for: obtaining the I and execute the corresponding transaction of process The mark of second party and the I execute the corresponding type of transaction of process, obtain from the corresponding transaction feature of first transaction The I is taken to execute the corresponding target transaction feature of process；The mark of the corresponding transaction second party of process is executed according to the I Know, sends transaction request to the transaction second party；The transaction request includes that the I executes the corresponding transaction second of process The mark of side and the value of the target transaction feature；If it is isochronous transaction type that the I, which executes the corresponding type of transaction of process, It then waits the transaction second party to execute the I and executes process, and receive the I that the transaction second party is sent and execute The implementing result of process；If the I executes process, corresponding type of transaction is asynchronous transaction type, is receiving the friendship After the acknowledgement instruction that easy second party is sent, the execution state that the I executes process is monitored, and determining that the I executes stream After the completion of Cheng Zhihang, the I is obtained from the transaction second party and executes the corresponding implementing result of process, the acknowledgement instruction is used The transaction request is successfully received in the instruction transaction second party.

In a kind of possible design, the transaction modules are also used to: if the I executes the corresponding implementing result of process To execute failure, then determine the need for retracting to I execution process according to scene belonging to first transaction, It retracts if it is determined that needing to execute process to the I, then obtains the I from the target transaction rule and execute process Corresponding default rollback mode, and process is executed to the I using the default rollback mode and is retracted.

In a kind of possible design, the transaction modules are also used to: if it is to transfer accounts that the I, which executes process, being obtained The I executes the corresponding side's of the producing account information of process and the side's of being transferred to account information, and establishes the default side's of producing Account Type With the corresponding relationship of the side's of producing account information, the default side's of being transferred to Account Type and the side's of being transferred to account information, account is obtained Family allocation list；Use default transfer accounts program and the account allocation list execution I execution process, the default program of transferring accounts In include the default side's of producing Account Type and the default side's of being transferred to Account Type.

In a kind of possible design, the matching module is used for: by the value of the corresponding transaction feature of first transaction It is matched with a plurality of trading rules, it is special that transaction corresponding with first transaction is obtained from a plurality of trading rules The matching degree of the value of sign is greater than the alternative trading rules of the first preset threshold；Further, a plurality of alternative transaction is advised if it exists Then, then select the alternative trading rules of highest priority as target transaction rule from a plurality of alternative trading rules.

Fourth aspect, a kind of computer readable storage medium provided in an embodiment of the present invention, including instruction, when it is being calculated When being run on machine so that computer execute as above-mentioned first aspect or first aspect arbitrarily as described in transaction processing method.

5th aspect, a kind of computer program product provided in an embodiment of the present invention make when run on a computer Computer execute as above-mentioned first aspect or first aspect arbitrarily as described in transaction processing method.

The aspects of the invention or other aspects can more straightforwards in the following description.

Detailed description of the invention

To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment Attached drawing is briefly introduced, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this For the those of ordinary skill in field, without any creative labor, it can also be obtained according to these attached drawings His attached drawing.

Fig. 1 a is that one kind provided in an embodiment of the present invention is made loans the flow diagram of transaction in the prior art；

Fig. 1 b is the flow diagram of another transaction of making loans in the prior art provided in an embodiment of the present invention；

Fig. 2 is a kind of corresponding flow diagram of transaction processing method provided in an embodiment of the present invention；

Fig. 3 is a kind of structural schematic diagram of traction processing apparatus provided in an embodiment of the present invention.

Specific embodiment

To make the objectives, technical solutions, and advantages of the present invention clearer, below in conjunction with attached drawing to the present invention make into It is described in detail to one step, it is clear that described embodiments are only a part of the embodiments of the present invention, rather than whole implementation Example.Based on the embodiments of the present invention, obtained by those of ordinary skill in the art without making creative efforts All other embodiment, shall fall within the protection scope of the present invention.

Financial technology (Fintech), which refers to, behind information technology involvement financial field, to be that financial field bring is a kind of new Creative Science and Technology Co. Ltd, assist realizing that financial operation, transaction execute and financial system is improved by using advanced information technology, can To promote treatment effeciency, the business scale of financial system, and cost and financial risks can be reduced.In general, financial technology Field would generally be related to largely trading, for example, the loan transaction of credit operation system, selling operation system sell card transaction, How the money transfer transactions etc. of payment transaction system are excavated required for financial field from a large amount of transaction using the means of science and technology Feature, be always financial technology field pursue target.

In one possible implementation, each operation system in financial technology field can be traded with independent design and be advised Then, for example, loan transaction usually may include the business for first collecting guarantee fund's re-lending and the business of direct loan, both industry Business can be responsible for by different operation systems.Under a kind of possible scene, the first operation system is responsible for first collecting guarantee fund The business of re-lending, the second operation system are responsible for the business of direct loan, if user to the first operation system application loan transaction, Then the first operation system can be according to first collecting guarantee fund to user, then executes and make loans to user；If user is to the second business system System application loan transaction, then the second operation system can directly execute user and make loans.

Fig. 1 a is a kind of execution flow diagram of trading rules of making loans of the first operation system design, as shown in Figure 1a, If the first operation system receives the loan service application of user, it can star guarantee fund and collect program of transferring accounts, in this way, passing through Guarantee fund collects the available guarantee fund side of the producing a of program of transferring accounts₁Account information and the guarantee fund side of being transferred to a₂Account information, And then it can be with the collateral security gold side of producing a₁Account in produce the guarantee fund of preset cost to the guarantee fund side of being transferred to a₂Account in. Specifically transfer accounts during, can according to the information in loan service application determine from current row performance bonding collect or from He manages it performance bonding and collects, if collecting from current row performance bonding, the interface collateral security gold of transferring accounts of current row can be called to turn Side a out₁Account in produce the guarantee fund of preset cost to the guarantee fund side of being transferred to a₂Account in, if manageing it performance bonding from him It collects, then can be manageed it by current row to him and send transfer request, him is allowed to manage it the interface collateral security gold of transferring accounts for calling him to manage it The side of producing a₁Account in produce the guarantee fund of preset cost to the guarantee fund side of being transferred to a₂Account in, and then current row is receiving After the transfer result that he manages it, determine to transfer accounts whether succeed.Further, however, it is determined that guarantee fund's program of transferring accounts runs succeeded, then and One operation system can star program of transferring accounts of making loans, in this way, passing through the available loan side of the producing a of program that transfers accounts that makes loans₃Account Family information and the loan side of being transferred to a₄Account information, and then can be from the loan side of producing a₃Account in produce the loan of preset cost Money to loan the side of being transferred to a₄Account in；Correspondingly, however, it is determined that guarantee fund's program of transferring accounts executes failure, then can call and manually hold Row works after sale, such as by manually by the guarantee fund side of being transferred to account a₂The guarantee fund received transfers back to the guarantee fund side of producing account Family a₁In.

Fig. 1 b is a kind of execution flow diagram of trading rules of making loans of the second operation system design, as shown in Fig. 2, the If two operation systems receive the loan service application of user, program of transferring accounts of making loans can star, in this way, transferring accounts by making loans The available loan side of the producing a of program₅Account information and the loan side of being transferred to a₆Account information, and then can be produced from loan Square a₅Account in produce the loan of preset cost to the loan side of being transferred to a₆Account in.

According to above content it is found that the first operation system and the second operation system have separately designed trading rules of making loans, if User provides a loan to the first operation system application, then makes loans automatically according to the trading rules execution of making loans of the first operation system design, If user provides a loan to the second operation system application, put automatically according to the trading rules execution of making loans of the second operation system design Money.According to fig. 1a with Fig. 1 b it is found that the trading rules of making loans of the first operation system design are made loans with what the second operation system designed There are more duplicated codes in trading rules, so that the efficiency that may result in trading processing is lower using this kind of implementation, Development cost is higher.

Based on this, the present invention provides a kind of transaction processing method, for improving the efficiency of trading processing, reduce exploitation at This.

Fig. 2 is a kind of corresponding flow diagram of transaction processing method provided in an embodiment of the present invention, this method comprises:

Step 201, the Transaction Information for the first transaction that transaction first party is sent is received.

By taking bank as an example, transaction first party can refer to any one operation system in advance department door, for example can be The second operation system in the first operation system, Fig. 1 b in Fig. 1 a, or may be any one business of payment department Any one operation system of system, insurance department etc..In specific implementation, transaction first party can pass through the transaction of calling bank Interface executes transaction；For example, withholing if transaction first party determination will execute the account of user, the transaction of bank can be called Capital, interest and the default interest of interface captures user, so as to withhold respectively to capital execution, interest execution is withholdd, default interest is held Row is withholdd；For another example, if transaction first party receives the credit card application request of user, the transaction interface of bank can be called The fund and credit situation of user are obtained, and then card rear line can be opened in bank and carry out hair fastener.

In the embodiment of the present invention, transaction first party is traded if it is determined that executing first, then can send first to regulation engine The Transaction Information of transaction.Wherein, regulation engine is the executing subject of transaction processing method in the embodiment of the present invention, and regulation engine can Think a hardware device, such as server, or may be the node in a virtual unit, such as server；If rule Then engine is server, then regulation engine can be connect with transaction first party and transaction second party respectively, such as can be by having Line mode connect with transaction first party and transaction second party, or first party and can also trade the with trading wirelessly Two sides connection, is specifically not construed as limiting.

It correspondingly, may include the value of the corresponding transaction feature of the first transaction in the Transaction Information of the first transaction, transaction is special Sign can be the feature of type belonging to characterization transaction, such as mark, transaction scene codes, the transaction second party of transaction platform Mark, the number of product, the mark of application entity, transaction execution condition, transaction execute type, batch-processed files type etc.. Wherein, the combination of different transaction features can be used for distinguishing type belonging to different transaction, for example, if transaction second party Be identified as row in deposit core system DEP, transaction scene be encoded to 00001 (corresponding to scene of transferring accounts), then illustrate the transaction To execute the transaction transferred accounts by current row；If transaction second party is identified as him and manages it and unify payment system UPP, scene codes of trading For 00001 (corresponding to scene of transferring accounts), then illustrate that the transaction is to manage it the transaction for executing and transferring accounts by him.

In the embodiment of the present invention, the corresponding transaction feature of the first transaction may include any in above-mentioned 8 transaction features One or any number of transaction features, such as the corresponding transaction feature of the first transaction may include the mark and transaction of transaction platform The coding of scene or the corresponding transaction feature of the first transaction may include the mark of transaction platform, the coding for scene of trading, friendship The mark or the corresponding transaction feature of the first transaction that easily execute type and second party of trading may include the mark of transaction platform Know, transaction scene codes, the mark for second party of trading, the number of product, the mark of application entity, transaction execution condition, transaction Type, batch-processed files type are executed, is specifically not construed as limiting.

Step 202, the value of the corresponding transaction feature of the first transaction is matched with a plurality of trading rules, obtains target friendship Easily rule.

A plurality of trading rules can be set in specific implementation, in regulation engine, every transaction in a plurality of trading rules Rule may include the value of at least one transaction feature.Wherein, any two trading rules in a plurality of trading rules include Transaction feature can be identical, or can also be different, for example, every trading rules can include transaction feature in above-mentioned 8 Value；Alternatively, a certain trading rules include the value of the mark of transaction platform and the value of transaction scene codes, another trading rules The value of mark including second party of trading and the number of product.

In one example, the value at least one transaction feature that a plurality of trading rules respectively include can store default In database.Table 1 is that a kind of schematic table of possible presetting database can store friendship as shown in table 1 in presetting database Easy rule B₁~trading rules B₄Including at least one transaction feature value, with trading rules B₁For, trading rules B₁It can be with Value including 4 transaction features, be respectively as follows: platform identification be 1, transaction code 00001, transaction second party be identified as UPP, hand over Easily executing type is that expectation retries.

A kind of table 1: signal of possible presetting database

Trading rules	Platform identification	Transaction code	Transaction second party	Execute type
					B₁	1	00001	UPP	It is expected that retrying
B₂	3	00003
					B₃	1	00001	DEP	Do not allow failure
B₄	2	00005

It should be noted that table 1 is only a kind of illustrative simple declaration, cited by trading rules quantity and The value at least one transaction feature that trading rules include is merely for convenience and purposes of illustration of scheme, does not constitute the restriction to scheme. In specific implementation, the trading rules stored in presetting database can be far longer than 4, for example can be 100 or more； Correspondingly, the quantity for the transaction feature that every trading rules include can be far longer than 4, for example, can for 5 or 5 with On, specifically it is not construed as limiting.

The trading rules B illustrated below according to table 1₁~trading rules B₄For describe determine target transaction rule tool Body realizes process.

In specific implementation, the friendship that the value of the first corresponding transaction feature of transaction and a plurality of trading rules can be respectively included The value of easy feature is matched, to select the transaction corresponding with the first transaction of the value of transaction feature special in a plurality of trading rules The value matching degree of sign is greater than the alternative trading rules of the first preset threshold；An alternative trading rules if it exists can then incite somebody to action For the alternative trading rules of this as the corresponding target transaction rule of the first transaction, a plurality of if it exists (i.e. two or more) is standby Trading rules are selected, then can select the alternative trading rules of highest priority as target transaction from a plurality of alternative trading rules Rule.

For example, if the first corresponding transaction feature of transaction are as follows: platform identification 2, transaction code 00005, then it can be with Obtain trading rules B₁~trading rules B₄The All Activity rule that middle platform identification is 2, transaction code is 00005, due in table 1 Only trading rules B₄Corresponding platform identification is 2, transaction code 00005, therefore trading rules B₄It can be corresponded to for the first transaction Target transaction rule.Correspondingly, if the corresponding transaction feature of the first transaction are as follows: platform identification 1, transaction code 00001, then Available trading rules B₁~trading rules B₄The All Activity rule that middle platform identification is 1, transaction code is 00001, that is, trade Regular B₁With trading rules B₃；Due to trading rules B₁With trading rules B₃It is alternative trading rules, therefore, can obtains respectively Take trading rules B₁Priority and trading rules B₃Priority, if trading rules B₁Priority be greater than trading rules B₃'s Priority, then can be by trading rules B₁As the corresponding target transaction rule of the first transaction, if trading rules B₁Priority it is small In trading rules B₃Priority, then can be by trading rules B₃As the corresponding target transaction rule of the first transaction.

It should be noted that the priority of trading rules can be rule of thumb configured by those skilled in the art, or Person can also determine according to experiment, specifically be not construed as limiting.In the embodiment of the present invention, any two transaction rule in a plurality of trading rules Priority then can be different, in this way, a plurality of matching degree is greater than the alternative trading rules of the first preset threshold if it exists, then by It is different in the priority of a plurality of alternative trading rules, so as to select the standby of highest priority in a plurality of alternative trading rules Select trading rules as target transaction rule.In one example, the priority of trading rules can carry out table in the form of weight Show, the corresponding weight of different trading rules can be different；In this way, when there are a plurality of alternative trading rules, by a plurality of alternative The weight of trading rules can uniquely determine a target trading rules, so as to ensure to advise using most matched target transaction Then execute transaction；And the priority of trading rules can be determined during the experiment and be obtained, so as to improve at transaction The accuracy of reason.

Step 203, the first transaction is executed between transaction first party and transaction second party using target transaction rule.

In one possible implementation, target transaction rule can correspond to multiple execution processes, target transaction rule In the corresponding execution condition of each execution process can be set；Wherein, a certain execution condition for executing process can be only with the The Transaction Information of one transaction is related, perhaps can also be only related to the implementing result of other processes or can also be with the first friendship Easy Transaction Information is related simultaneously to the implementing result of other processes, is specifically not construed as limiting.

Description uses the first transaction of target transaction rule execution for making loans after the first transaction is to collect guarantee fund below Process.

In one example, if the first transaction is to make loans after collecting guarantee fund, the corresponding target transaction rule of the first transaction It may include collecting guarantee fund's process and process of making loans in then, collecting the corresponding execution condition of guarantee fund's process can be the side of producing Account information and the side's of being transferred to account information are correct, and the corresponding execution condition of process of making loans can be to collect the success of guarantee fund's process It executes.In this way, process of making loans can be executed if collecting guarantee fund's process successful execution, held if guarantee fund's process fails Row then can carry out subsequent execution work according to according to the execution type traded in target transaction rule；For example, if target transaction Rule is trading rules B₁, then if it is determined that collecting the failure of guarantee fund's process, then can attempt to re-execute to collect guarantee fund's process, If target transaction rule is trading rules B₃, then if it is determined that collecting the failure of guarantee fund's process, then can be sent to transaction first party The information of Fail Transaction.

Using target transaction rule as trading rules B₃For, in specific implementation, can first it be believed according to the transaction of the first transaction Breath obtains the guarantee fund side of producing account information and the guarantee fund side of being transferred to account information, due to trading rules B₃Middle transaction second party It is identified as DEP (current row), therefore, the transaction interface of current row can be called the default guarantee fund gold in the guarantee fund side of producing account Volume is transferred in the guarantee fund side of being transferred to account.In general, the process that current row is transferred accounts can be real-time, it can get at any time Therefore the time of day transferred accounts if getting the successful information of transferring accounts of current row transmission, can determine and collect guarantee fund's process Successful execution.Correspondingly, if getting the information of the failure of transferring accounts of current row transmission, transaction can be sent to transaction first party and lost The information lost.

Further, however, it is determined that collect guarantee fund's process successful execution, then can start to execute process of making loans.Specifically It says, the loan side's of producing account information and the loan side of being transferred to account information first can be obtained according to the Transaction Information of the first transaction, into And it can call the transaction interface of current row that the default amount of the loan in the side's of producing account of providing a loan is transferred in the loan side of being transferred to account. If receiving the successful information of transferring accounts of current row transmission, it can really determine loan process and run succeeded, in this way, can be to transaction the One side sends successful information of trading；Correspondingly, if receiving the information of the failure of transferring accounts of current row transmission, it is determined that loan process Failure is executed, in this way, in one example, can retract to collecting guarantee fund's process reverse execution and collect guarantee fund's process, i.e., It can call the transaction interface of current row that the default guarantee fund's amount of money received in the guarantee fund side of being transferred to account is transferred to guarantee fund to produce In square account, and then the information of Fail Transaction can be sent to transaction first party.

In the embodiment of the present invention, in the failure of a certain execution process, pass through the simultaneously previous process of reverse execution that retracts, Ke Yibao Card process of exchange is gone on smoothly, and guarantees that both parties' is fair and just, is automatically performed the subsequent of Fail Transaction and is returned money work, It avoids manually returning money, so as to improve the treatment effeciency of transaction.

It should be noted that above-mentioned is only the trading processing described in the embodiment of the present invention for collecting guarantee fund and making loans Method, it is possible to understand that ground may include 3 or 3 or more execution processes (such as 50) in target transaction rule, work as satisfaction 50 can execute the execution process when executing any execution condition for executing process in process, and can be used 50 and execute stream Any one or any number of execution processes in journey execute the first transaction, are specifically not construed as limiting.

It for example, include the 1st~50th execution process in target transaction rule, if the 1st executes the execution knot of process Fruit meets the 3rd and executes the corresponding execution condition of process, and is unsatisfactory for the corresponding execution condition of the 2nd execution process, then can be direct Execute the 3rd execution process；Correspondingly, if the implementing result of the 1st process and the 3rd execution process meets the corresponding execution of the 50th process Condition then can directly execute the 50th execution process.

In the embodiment of the present invention, by the corresponding execution process of every trading rules of setting, target transaction can be being determined After rule, the corresponding quantity for executing process of pending transaction is got, in this way, a complicated transaction can be split as more A execution process by multiple implementing results for executing process and executes condition realization to the implementation procedure of complex transaction；Also It is to say, the embodiment of the present invention, can be right by the way that a plurality of trading rules and the corresponding execution process of a plurality of trading rules is arranged Any one transaction in financial technology field is handled, so that transaction processing method more meets actual needs, and Application range is wider.

In one possible implementation, by taking a certain execution process is money transfer transactions as an example, regulation engine passes through bank The process for executing the execution process can be as shown in step a~step e1 or step e2:

Step a, regulation engine obtains the side's of producing account information from the Transaction Information of the first transaction and the side's of being transferred to account is believed Breath.

Herein, the side's of producing account information and the side's of being transferred to account information may include bank belonging to account and account identification.

Step b, regulation engine establish the default side's of producing Account Type and the side's of producing account information, the default side's of being transferred to account class The corresponding relationship of type and the side's of being transferred to account information obtains account allocation list.

The embodiment of the present invention establishes a kind of model of uniformly transferring accounts, specifically, abstract according to the account purposes in transaction The mark of a variety of account classifications out, for example, the corresponding mark of current row Account Type can be W, the corresponding mark of supervision Account Type Knowing to be R, and the corresponding mark of partner's Account Type can be S；In this way, in a money transfer transactions, if from a certain current row Account transfer is to a certain supervision account, then it is W1-R1 that the relationship of transferring accounts, which can be set, if from a certain supervision account transfer to a certain Partner's account, then it is R2-S2 that the relationship of transferring accounts, which can be set,.

Further, regulation engine is getting the side's of producing account information 000000000 and the side's of being transferred to account information After 000000001, if the side's of producing account is current row Account Type, the side's of being transferred to Account Type is supervision Account Type, then can build Account allocation list shown in vertical table 2.

A kind of table 2: signal of account allocation list

Account information	The corresponding mark of Account Type
		000000000	W1
000000001	R1

It in the embodiment of the present invention, is obtained by setting account allocation list, executing can believe in process with specific account Breath decoupling；That is, the embodiment of the present invention is provided with a kind of general transfer account method, by being arranged in default program of transferring accounts Account Type can complete the friendship of transferring accounts of different scenes by the corresponding account information of account classification in more New Account allocation list Easily；Compared with the prior art by the way of configuring specific account information for, can simplify transfer process, raising is transferred accounts place The efficiency of reason.

Step c, regulation engine transfer accounts program and the generation of account allocation list is transferred accounts message according to default.

Herein, presetting in program of transferring accounts may include the side of producing Account Type W1 and the side's of being transferred to Account Type R1, in this way, in advance If the information in program of transferring accounts and account allocation list, which carries out synthesis, can be obtained required complete information of transferring accounts.

In one example, regulation engine can also be generated according to default program of transferring accounts, account allocation list and additional information It transfers accounts message, wherein additional information can be transaction summarization code, it can to scene belonging to the transaction, purposes, implementation procedure It is briefly described；In this way, bank transfers accounts after message obtains additional information in parsing, can be relatively sharp execute transaction, mention The treatment effeciency of height transaction.

Step d, the regulation engine message that will transfer accounts are sent to down-stream system.

Herein, down-stream system can be DEP, or can be UPP.Correspondingly down-stream system receives transfer accounts message after, Transfer operation can be executed.

Further, if down-stream system is DEP, can be executed according to step e1, it, can be with if down-stream system is UPP It is executed according to step e2.

Step e1, regulation engine determine that the corresponding type of transaction of the money transfer transactions is isochronous transaction type, and calling, which synchronizes, to be connect Mouth executes the money transfer transactions.

In specific implementation, regulation engine can wait DEP to execute money transfer transactions after the message that will transfer accounts is sent to DEP, and After the transfer result for receiving DEP transmission, follow-up process is executed according to transfer result.Specifically, if DEP transmission is transferred accounts It as a result is success of transferring accounts, then regulation engine can determine which subsequent process executed according to transfer result；What if DEP was sent Transfer result is to transfer accounts unsuccessfully, then regulation engine can retract and a process executed in reverse execution；What if DEP was sent Transfer result is time-out of transferring accounts, then regulation engine can determine subsequent implementation procedure according to executive mode, for example, if a certain friendship Easy executive mode is to guarantee to run succeeded, then regulation engine can retry always up to success of transferring accounts, if a certain transaction is held Line mode is to have three tries ends, then regulation engine can retract a supreme process executed after the 3rd execution is overtime.

Step e2, regulation engine determine that the corresponding type of transaction of the money transfer transactions is asynchronous transaction type, call asynchronous connect Mouth executes the money transfer transactions.

In specific implementation, regulation engine is after the message that will transfer accounts is sent to DEP, if DEP is successfully received message of transferring accounts, Acknowledgement instruction can be sent to regulation engine.Correspondingly, regulation engine can monitor DEP in real time after receiving acknowledgement instruction Execution state obtain transfer result from DEP and after the completion of determining that money transfer transactions execute, and then can be according to transfer result Execute follow-up process.

It is carried out it should be noted that regulation engine is referred to step e1 according to the process that transfer result executes follow-up process It realizes, is specifically not construed as limiting.

In the embodiment of the present invention, by the corresponding executive mode of setting type of transaction, so that the transaction of different type of transaction It can be realized by unified interface, in this way, the transaction of isochronous transaction type and the transaction of asynchronous transaction type can be with Transaction processing method in by above-mentioned design is implemented；By the normal executive condition of the transaction to different type of transaction, Abnormal executive condition is packaged processing, can be adapted for all kinds of abnormal execution scenes in financial technology field, so as to So that transaction processing method more meets actual needs.

In embodiments of the present invention, general calculation method, the general calculating side can also be defined in regulation engine Method can support the independent assortment calculation based on remaining sum ingredient and the merging based on grouping remaining sum ingredient to combine calculation. Both calculations are described for withholing to a certain user below.

Independent assortment calculation based on remaining sum ingredient

According to the independent assortment calculation based on remaining sum ingredient, the capital of user, interest can be obtained respectively and is penalized Breath, and then execute capital from the corresponding account of capital and withhold, interest is executed from the corresponding account of interest withholds, it is corresponding from default interest Account in execute default interest and withhold and withhold with other expenditure.In this way, the independent assortment calculation based on remaining sum ingredient can expire The following calculation formula of foot:

Pricinpal+Interest+Penalty

Wherein, Pricinpal can be capital, and Interest can be interest, and Penalty can be default interest.

Calculation is combined in merging based on grouping remaining sum ingredient

According to the independent assortment calculation based on remaining sum ingredient, then can classify in advance to remaining sum, Jin Erzhen It withholds for every a kind of remaining sum.

For example, regulation engine can incorporate remaining sum into as normal category N, overdue classification O and compensatory classification C, in this way, By combining capital, interest and the default interest of each classification, available user is corresponding to withhold.Conjunction based on grouping remaining sum ingredient And it combines calculation and can satisfy following calculation:

N.Pricinpal+N.Interest+O.Penalty

In one possible implementation, regulation engine can be during executing each and executing process according to holding Row process generates dynamic account flowing water, for example, if performing the 1st altogether in corresponding 1st~the 50th execution process of target transaction rule Process, the 3rd execution process and the 50th execution process are executed, and is executed the 1st and generates 3 articles of dynamic account processes in process, is executed the 3rd 1 dynamic account flowing water is generated in process, generates 0 article of dynamic account flowing water in the 50th execution process, then regulation engine is executing first 4 dynamic account flowing water are generated during transaction altogether, and this 4 dynamic account flowing water can be stored, in order to subsequent calls.

In the above embodiment of the present invention, the Transaction Information for the first transaction that transaction first party is sent, the first transaction are received Transaction Information in include the first corresponding transaction feature of transaction value, and then by the value of the corresponding transaction feature of the first transaction with A plurality of trading rules are matched, and target transaction rule is obtained；It include at least one in every trading rules of a plurality of trading rules The value of a transaction feature, the value at least one transaction feature that target transaction rule includes transaction feature corresponding with the first transaction Value matching degree be greater than the first preset threshold；Further, using target transaction rule in transaction first party and transaction the The first transaction is executed between two sides.In the embodiment of the present invention, by presetting multi-exchange rule and multi-exchange rule packet The value of the transaction feature included, the value of corresponding transaction feature that can be traded according to a certain item and the matching degree of a plurality of trading rules It determines the target transaction rule for executing the transaction, and then target transaction rule can be used and execute the transaction；That is, The embodiment of the present invention develops a kind of general transaction processing method, can carry out to the multi-exchange that multiple business system is submitted Processing is suitable for the target transaction rule of each transaction by determining, target transaction rule can be used and accurately execute each friendship Easily, without developing transaction code again, so as to reduce cost, the efficiency of trading processing is improved.

For above method process, the embodiment of the present invention also provides a kind of traction processing apparatus, the particular content of the device It is referred to above method implementation.

Fig. 3 is a kind of traction processing apparatus provided in an embodiment of the present invention, which includes:

Transceiver module 301, for receiving the Transaction Information for the first transaction that transaction first party is sent, first transaction It include the value of the corresponding transaction feature of first transaction in Transaction Information；

A matching module 302, for carrying out the value of the corresponding transaction feature of first transaction and a plurality of trading rules Match, obtains target transaction rule；It include the value of at least one transaction feature in every trading rules of a plurality of trading rules, The value of the value at least one transaction feature that the target transaction rule includes transaction feature corresponding with first transaction Matching degree is greater than the first preset threshold；

Transaction modules 303, for using the target transaction rule between the transaction first party and transaction second party Execute first transaction.

Optionally, the transaction modules 303 are specifically used for:

It obtains corresponding the first~the N of target transaction rule and executes process, if first transaction meets described the One executes the execution condition of process, then executes described first using the value of the corresponding transaction feature of first transaction and execute stream Journey obtains described first and executes the corresponding implementing result of process；And it is directed to the I in the second~the N execution process Process is executed, if the I -1 executes the corresponding implementing result of process and meets the execution condition that I executes process, uses institute The value for stating the corresponding transaction feature of the first transaction executes the I and executes process, obtains the I and executes the corresponding execution of process As a result；Wherein, I > 1.

Optionally, the transaction modules 303 are specifically used for:

Obtain mark and the corresponding transaction of I execution process that the I executes the corresponding transaction second party of process Type obtains the I from the corresponding transaction feature of first transaction and executes the corresponding target transaction feature of process；

The mark that the corresponding transaction second party of process is executed according to the I sends transaction to the transaction second party and asks It asks；The transaction request includes the mark and the target transaction feature that the I executes the corresponding transaction second party of process Value；

If the I executes process, corresponding type of transaction is isochronous transaction type, and the transaction second party is waited to hold The row I executes process, and receives the implementing result that the I that the transaction second party is sent executes process；If described It is asynchronous transaction type that I, which executes the corresponding type of transaction of process, then refers in the acknowledgement for receiving the transaction second party transmission After showing, the execution state that the I executes process is monitored, and after the completion of determining that the I executes process execution, from the friendship Easy second party obtains the I and executes the corresponding implementing result of process, and the acknowledgement instruction is used to indicate the transaction second party It is successfully received the transaction request.

Optionally, the transaction modules 303 are also used to:

If it is to execute failure that the I, which executes the corresponding implementing result of process, according to field belonging to first transaction Scape determines the need for retracting to I execution process, however, it is determined that it needs to retract to I execution process, The I then is obtained from the target transaction rule and executes the corresponding default rollback mode of process, and is preset back using described Mode is moved back to retract to I execution process.

Optionally, the transaction modules 303 are also used to:

If it is to transfer accounts that the I, which executes process, obtains the I and execute the corresponding side's of the producing account information of process and turn The side's of entering account information, and establish the default side's of producing Account Type and the side's of producing account information, the default side's of being transferred to Account Type With the corresponding relationship of the side's of being transferred to account information, account allocation list is obtained；Use default transfer accounts program and account configuration The table execution I execution process, described preset in program of transferring accounts includes that the default side's of producing Account Type is preset with described The side's of being transferred to Account Type.

Optionally, the matching module 302 is used for:

The value of the corresponding transaction feature of first transaction is matched with a plurality of trading rules, from described a plurality of The matching degree that the value of transaction feature corresponding with first transaction is obtained in trading rules is greater than the standby of the first preset threshold Select trading rules；

A plurality of alternative trading rules if it exists then select the alternative of highest priority from a plurality of alternative trading rules Trading rules are as target transaction rule.

It can be seen from the above: in the above embodiment of the present invention, receiving the first transaction that transaction first party is sent Transaction Information, include the value of the corresponding transaction feature of first transaction in the Transaction Information of first transaction, and then will Described first value for trading corresponding transaction feature is matched with a plurality of trading rules, obtains target transaction rule；It is described more It include the value of at least one transaction feature in every trading rules of trading rules, the target transaction rule includes at least The matching degree of the value of the value of one transaction feature transaction feature corresponding with first transaction is greater than the first preset threshold；Into One step, first transaction is executed between the transaction first party and transaction second party using the target transaction rule. It, can be with by presetting the value for the transaction feature that multi-exchange rule and multi-exchange rule include in the embodiment of the present invention According to a certain item trade corresponding transaction feature value and a plurality of trading rules matching degree determine for executing the transaction Target transaction rule, and then target transaction rule can be used and execute the transaction；That is, the embodiment of the present invention develops one The general transaction processing method of kind, the multi-exchange that can be submitted to multiple business system handle, be suitable for by determination The target transaction rule of each transaction, can be used target transaction rule and accurately executes each transaction, without developing friendship again Easy code improves the efficiency of trading processing so as to reduce cost.

Based on the same inventive concept, the embodiment of the invention also provides a kind of computer readable storage mediums, including instruct, When run on a computer, so that computer executes such as the described in any item transaction processing methods of Fig. 2 or Fig. 2.

Based on the same inventive concept, the embodiment of the invention also provides a kind of computer program products, when it is in computer When upper operation, so that computer executes such as the described in any item transaction processing methods of Fig. 2 or Fig. 2.

It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method or computer program product. Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the present invention Form.It is deposited moreover, the present invention can be used to can be used in the computer that one or more wherein includes computer usable program code The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) Formula.

The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.

Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as It selects embodiment and falls into all change and modification of the scope of the invention.

Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies Within, then the present invention is also intended to include these modifications and variations.

Claims

1. a kind of transaction processing method, which is characterized in that the described method includes:

The Transaction Information for the first transaction that transaction first party is sent is received, includes described the in the Transaction Information of first transaction The value of the corresponding transaction feature of one transaction；

The value of the corresponding transaction feature of first transaction is matched with a plurality of trading rules, obtains target transaction rule； It include the value of at least one transaction feature in every trading rules of a plurality of trading rules, the target transaction rule includes The matching degree of value of value transaction feature corresponding with first transaction of at least one transaction feature to be greater than first default Threshold value；

First transaction is executed between the transaction first party and transaction second party using the target transaction rule.

2. the method according to claim 1, wherein it is described using the target transaction rule in the transaction the First transaction is executed between one side and transaction second party, comprising:

It obtains corresponding the first~the N of the target transaction rule and executes process, if first transaction meets described first and holds The execution condition of row process then executes described first using the value of the corresponding transaction feature of first transaction and executes process, obtains The corresponding implementing result of process is executed to described first；And it is directed to the I that the second~the N is executed in process and executes Process uses described the if the I -1 executes the corresponding implementing result of process and meets the execution condition that I executes process The value of the one corresponding transaction feature of transaction executes the I and executes process, obtains the I and executes that process is corresponding to execute knot Fruit；Wherein, I > 1.

3. according to the method described in claim 2, it is characterized in that, described using the corresponding transaction feature of first transaction Value executes the I and executes process, comprising:

Mark and the corresponding type of transaction of I execution process that the I executes the corresponding transaction second party of process are obtained, The I, which is obtained, from the corresponding transaction feature of first transaction executes the corresponding target transaction feature of process；

The mark that the corresponding transaction second party of process is executed according to the I sends transaction request to the transaction second party；Institute Stating transaction request includes that the I executes the mark of the corresponding transaction second party of process and the value of the target transaction feature；

If it is isochronous transaction type that the I, which executes the corresponding type of transaction of process, the transaction second party is waited to execute institute It states I and executes process, and receive the implementing result that the I that the transaction second party is sent executes process；If the I is held The corresponding type of transaction of row process is asynchronous transaction type, then after receiving the acknowledgement instruction that the transaction second party is sent, The execution state that the I executes process is monitored, and after the completion of determining that the I executes process and executes, from the transaction the Two sides obtain the I and execute the corresponding implementing result of process, and the acknowledgement instruction is used to indicate the transaction second party success Receive the transaction request.

4. according to the method described in claim 3, it is characterized in that, the method also includes:

It is true according to scene belonging to first transaction if it is to execute failure that the I, which executes the corresponding implementing result of process, It is fixed whether need to execute process to the I retract, however, it is determined that need to execute process to the I and retract, then from The I is obtained in the target transaction rule and executes the corresponding default rollback mode of process, and uses the default rollback side Formula executes process to the I and retracts.

5. the method according to claim 1, wherein the method also includes:

If it is to transfer accounts that the I, which executes process, obtains the I and execute the corresponding side's of the producing account information of process and the side of being transferred to Account information, and establish the default side's of producing Account Type and the side's of producing account information, the default side's of being transferred to Account Type and institute The corresponding relationship for stating the side's of being transferred to account information obtains account allocation list；Program is transferred accounts and the account allocation list is held using default The I of going executes process, includes that the default side's of producing Account Type is transferred to described preset in the default program of transferring accounts Square Account Type.

6. the method according to any one of claims 1 to 5, which is characterized in that described that first transaction is corresponding The value of transaction feature is matched with a plurality of trading rules, obtains target transaction rule, comprising:

The value of the corresponding transaction feature of first transaction is matched with a plurality of trading rules, from a plurality of transaction The matching degree that the value of transaction feature corresponding with first transaction is obtained in rule is greater than the alternative friendship of the first preset threshold Easily rule；

A plurality of alternative trading rules if it exists then select the alternative transaction of highest priority from a plurality of alternative trading rules Rule is as target transaction rule.

7. a kind of traction processing apparatus, which is characterized in that described device includes:

Transceiver module, for receiving the Transaction Information for the first transaction that transaction first party is sent, the transaction letter of first transaction It include the value of the corresponding transaction feature of first transaction in breath；

Matching module is obtained for matching the value of the corresponding transaction feature of first transaction with a plurality of trading rules Target transaction rule；It include the value of at least one transaction feature, the mesh in every trading rules of a plurality of trading rules The matching journey of the value of the value transaction feature corresponding with first transaction at least one transaction feature that mark trading rules include Degree is greater than the first preset threshold；

Transaction modules, described in being executed between the transaction first party and transaction second party using the target transaction rule First transaction.

8. device according to claim 7, which is characterized in that the transaction modules are specifically used for:

9. device according to claim 8, which is characterized in that the transaction modules are specifically used for:

10. device according to claim 9, which is characterized in that the transaction modules are also used to:

11. device according to claim 7, which is characterized in that the transaction modules are also used to:

12. device according to any one of claims 7 to 11, which is characterized in that the matching module is used for:

13. a kind of computer readable storage medium, which is characterized in that including instruction, when it runs on the processor of computer When, so that the processor of computer executes such as method as claimed in any one of claims 1 to 6.

14. a kind of computer program product, which is characterized in that when run on a computer, so that computer is executed as weighed Benefit requires 1 to 6 described in any item methods.