CN110930607A - Transaction result judgment method and device, computer equipment and storage medium - Google Patents

Transaction result judgment method and device, computer equipment and storage medium Download PDF

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Publication number
CN110930607A
CN110930607A CN201911044511.2A CN201911044511A CN110930607A CN 110930607 A CN110930607 A CN 110930607A CN 201911044511 A CN201911044511 A CN 201911044511A CN 110930607 A CN110930607 A CN 110930607A
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Prior art keywords
transaction
record
data
result
transaction result
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李伟锋
李凤
陈文俊
褚圆圆
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Zhejiang Dasou Vehicle Software Technology Co Ltd
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Zhejiang Dasou Vehicle Software Technology Co Ltd
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Priority to CN201911044511.2A priority Critical patent/CN110930607A/en
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    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07GREGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00Cash registers
    • G07G1/12Cash registers electronically operated
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The application relates to a method and a device for judging a transaction result, computer equipment and a storage medium. The method comprises the following steps: acquiring a data set of an application terminal; analyzing the transaction data and the log record data to obtain a transaction record; and judging a transaction result based on the transaction record. The transaction result judging method, the transaction result judging device, the computer equipment and the storage medium are assisted by the data result of the terminal, so that the transaction result of the current transaction notification can be judged immediately and effectively, the cost loss caused by the hysteresis of the correction message is avoided, the result can be obtained when the transaction notification is received, and the efficiency is high.

Description

Transaction result judgment method and device, computer equipment and storage medium
Technical Field
The present application relates to the field of payment technologies, and in particular, to a method and an apparatus for determining a transaction result, a computer device, and a storage medium.
Background
With the progress of science and technology, people's payment mode is more and more diversified. On the basis of the traditional cash payment, a plurality of payment modes such as card swiping payment, code scanning payment and the like are developed successively. At present, the large payment mode in the consumer market is mainly card payment. Card swiping payment usually involves three parties, the merchant, the POS renter, and the POS issuer. The fund link relationship of the three is as follows: the buyer goes to the merchant to purchase the goods for consumption by swiping the card, the real fund is issued by the POS machine with the fund clearing quality, the POS renter is responsible for paying the virtual account for the merchant, and the merchant can perform cash-withdrawing action according to the balance of the virtual wallet of the merchant at the POS renter to withdraw the fund consumed by the buyer to the bank card of the merchant.
One scenario that is often encountered during a payment transaction using a swipe card is: the settlement period of the POS issuer to the POS renter is T +1, namely the funds are paid out in the second working day, but the acceptance of the POS renter to the merchant is that the buyer swipes the card for consumption on the same day, and the merchant can be brought up on the same day. In the process of using the POS, the conflict is a common exception handling scene, and the transaction result notifications of the POS issuer and the three-party customer are interacted by using messages, and the messages are characterized by non-real time and disorder. There may be a long time between two messages that are either before or after the positive message is compared to the transaction success message and due to uncertainties such as network reasons.
The transaction flow of the POS renter is that after the successful transaction message of the POS issuer comes, the POS renter accounts the account, and when the positive message comes, the amount of the previous successful account is subtracted (the account is cancelled); in order to allow the merchant to pay for cash in real time, once the POS renter receives a transaction success message, the POS renter immediately accounts the merchant, and the merchant immediately takes cash after seeing that the mobile wallet arrives at the account, namely if the correction message comes late in the scene, the merchant cash is successfully paid, the balance of the merchant wallet is not enough to meet the requirement of the amount of the cash when the POS renter goes to sell the account, namely the POS renter pays the additional cash to the merchant, and the company capital loss is caused.
At present, in order to solve the fund influence caused by liquidation, most of POS renters with merchant real-time liquidation requirements enter the merchant into the frozen balance after receiving a successful transaction notification of the POS issuer, at this time, the merchant can see the amount of the entered account and cannot immediately perform a liquidation action, and after 5-10 minutes, if the liquidation notification is not received, the frozen amount is transferred into the liftable balance. However, due to the hysteresis of the correction message, the POS renter cannot immediately determine the transaction result of the current transaction notification, and there is still a risk of loss of resources, and the posting time of all transactions is delayed, which is inefficient.
Disclosure of Invention
Based on this, it is necessary to provide a transaction result determination method, an apparatus, a computer device, and a storage medium for solving the technical problems that a POS renter cannot determine a transaction result notified by a current transaction in real time due to hysteresis of a correction message, or has a risk of loss of resources, and that an entry time of all transactions is delayed, which is inefficient.
A transaction result judgment method is applied to positive judgment of POS machine card swiping transaction, and comprises the following steps:
acquiring a data set of an application terminal, wherein the data set comprises transaction data and log record data of the application terminal;
analyzing the transaction data and the log record data to obtain a transaction record;
and judging a transaction result based on the transaction record.
In one of the embodiments, the first and second electrodes are,
the acquiring the data set of the application terminal comprises:
receiving a data set sent by an application program of the application terminal at fixed time;
or;
and after receiving the transaction notification, receiving a data set sent by an application program of the application terminal.
In one of the embodiments, the first and second electrodes are,
after the determining the transaction result based on the transaction record, the method further comprises:
and executing the posting operation based on the transaction result.
In one of the embodiments, the first and second electrodes are,
the transaction result is judged based on the transaction record, and the executing of the posting operation based on the transaction result comprises the following steps:
and if the transaction record comprises the receipt record, the transaction result is the transaction success, and the posting operation is executed based on the transaction notice.
In one of the embodiments, the first and second electrodes are,
the transaction result is judged based on the transaction record, and the executing of the posting operation based on the transaction result comprises the following steps:
and if the transaction record comprises a transaction failure record or a transaction correction record, the transaction result is transaction failure, and the transaction notice is ignored.
In one of the embodiments, the first and second electrodes are,
the transaction result is judged based on the transaction record, and the executing of the posting operation based on the transaction result comprises the following steps:
and if the transaction record comprises a transaction success record but no receipt record, the transaction result is pending, and the amount to be credited is frozen.
In one of the embodiments, the first and second electrodes are,
the transaction result is judged based on the transaction record, and the executing of the posting operation based on the transaction result comprises the following steps:
and if the data set is not received, buffering and posting, and waiting for positive notification.
A transaction result determination apparatus, the apparatus comprising:
the acquisition module is used for acquiring a data set of the application terminal, wherein the data set comprises transaction data and log record data of the application terminal;
the analysis module is used for analyzing the transaction data and the log record data to obtain a transaction record;
and the judging module is used for judging a transaction result based on the transaction record.
A computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the following steps when executing the computer program:
acquiring a data set of an application terminal, wherein the data set comprises transaction data and log record data of the application terminal;
analyzing the transaction data and the log record data to obtain a transaction record;
and judging a transaction result based on the transaction record.
A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of:
acquiring a data set of an application terminal, wherein the data set comprises transaction data and log record data of the application terminal;
analyzing the transaction data and the log record data to obtain a transaction record;
and judging a transaction result based on the transaction record.
The transaction result judging method, the transaction result judging device, the computer equipment and the storage medium are realized by acquiring a data set of the application terminal; analyzing the transaction data and the log record data to obtain a transaction record; the method for judging the transaction result based on the transaction record is assisted by the data result of the terminal, can immediately and effectively judge the transaction result of the current transaction notification, avoids the resource loss caused by the hysteresis of the positive-going message, can obtain the result when receiving the transaction notification, and has high efficiency.
Drawings
FIG. 1 is a diagram illustrating a transaction result determination method according to an embodiment of the present invention;
FIG. 2 is a diagram illustrating a transaction result determination method according to another embodiment of the present invention;
FIG. 3 is a block diagram of a transaction result determination apparatus according to an embodiment of the present invention;
FIG. 4 is a block diagram of a transaction result determination apparatus according to another embodiment of the present invention;
FIG. 5 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
With the progress of science and technology, people's payment mode is more and more diversified. On the basis of the traditional cash payment, a plurality of payment modes such as card swiping payment, code scanning payment and the like are developed successively. At present, the large payment mode in the consumer market is mainly card payment. Card swiping payment usually involves three parties, the merchant, the POS renter, and the POS issuer. The fund link relationship of the three is as follows: the buyer goes to the merchant to purchase the goods for consumption by swiping the card, the real fund is issued by the POS machine with the fund clearing quality, the POS renter is responsible for paying the virtual account for the merchant, and the merchant can perform cash-withdrawing action according to the balance of the virtual wallet of the merchant at the POS renter to withdraw the fund consumed by the buyer to the bank card of the merchant.
One scenario that is often encountered during a payment transaction using a swipe card is: the settlement period of the POS issuer to the POS renter is T +1, namely the funds are paid out in the second working day, but the acceptance of the POS renter to the merchant is that the buyer swipes the card for consumption on the same day, and the merchant can be brought up on the same day. In the process of using the POS, the conflict is a common exception handling scene, and the transaction result notifications of the POS issuer and the three-party customer are interacted by using messages, and the messages are characterized by non-real time and disorder. There may be a long time between two messages that are either before or after the positive message is compared to the transaction success message and due to uncertainties such as network reasons.
The transaction flow of the POS renter is that after the successful transaction message of the POS issuer comes, the POS renter accounts the account, and when the positive message comes, the amount of the previous successful account is subtracted (the account is cancelled); in order to allow the merchant to pay for cash in real time, once the POS renter receives a transaction success message, the POS renter immediately accounts the merchant, and the merchant immediately takes cash after seeing that the mobile wallet arrives at the account, namely if the correction message comes late in the scene, the merchant cash is successfully paid, the balance of the merchant wallet is not enough to meet the requirement of the amount of the cash when the POS renter goes to sell the account, namely the POS renter pays the additional cash to the merchant, and the company capital loss is caused.
Referring to fig. 1, fig. 1 is a schematic diagram illustrating a transaction result determination method according to an embodiment of the invention.
In this embodiment, the transaction result determining method includes:
step 100, acquiring a data set of the application terminal, wherein the data set comprises transaction data and log record data of the application terminal.
Illustratively, the data set is received via http or other communication means.
And step 110, analyzing the transaction data and the log record data to obtain a transaction record.
As can be appreciated, the transaction record corresponding to the transaction notification is obtained from the transaction data and the log record data to determine the transaction result.
Step 120, determining a transaction result based on the transaction record.
Specifically, the transaction result is transaction success, transaction failure or pending.
The transaction result judging method comprises the steps of obtaining a data set of an application terminal; analyzing the transaction data and the log record data to obtain a transaction record; the method for judging the transaction result based on the transaction record is assisted by the data result of the terminal, can immediately and effectively judge the transaction result of the current transaction notification, avoids the resource loss caused by the hysteresis of the positive-going message, can obtain the result when receiving the transaction notification, and has high efficiency.
Referring to fig. 2, fig. 2 is a schematic diagram illustrating a transaction result determination method according to another embodiment of the invention.
Step 200, receiving a transaction notification, wherein the transaction notification comprises a transaction message generated by a POS machine issuer after a transaction occurs at a POS machine terminal.
Illustratively, the transaction notification is a transaction message sent by the POS issuer to the POS renter after the consumer swipes the card at the POS terminal.
Step 210, acquiring a data set of the application terminal, wherein the data set comprises transaction data and log record data of the application terminal.
Specifically, the POS terminal has its own small database for storing on-side transaction data (non-MYSQL, ORACLE, etc.); meanwhile, the POS terminal has a log record of each transaction, inquiry and other operation, and the operation log and the result are printed in a log file.
In this embodiment, the data set of the application terminal is transmitted by the application program of the application terminal. Specifically, the application is developed and installed on the POS terminal for a server, that is, a POS renter, and the POS renter may perform point burying on the application, for example, to perform a timing polling, a user trigger action, and the like to trigger the application on the terminal to perform a corresponding operation, for example, to pull transaction data or send all log files to the server after analyzing them, and the server of the POS renter analyzes the received data from the POS terminal into required data and stores the required data in a local database.
In this embodiment, the application program pulls the data set of the application terminal after receiving the notification generated by the transaction. In other embodiments, the application program may pull the data set of the application terminal in a set time period in a timing manner.
As can be understood, the acquiring the data set of the application terminal includes: receiving a data set sent by an application program of the application terminal at fixed time; or receiving the data set sent by the application program of the application terminal after receiving the transaction notification.
Step 220, analyzing the transaction data and the log record data to obtain a transaction record.
As will be appreciated, the transaction records include records of ticketing, transaction failure, transaction success, hedge, and the like.
Step 230, determining a transaction result based on the transaction record.
Illustratively, if the transaction record comprises a receipt record, the transaction result is a transaction success; if the transaction record comprises a transaction failure record, the transaction result is transaction failure; if the transaction record comprises a transaction success record but no receipt record, the transaction result is pending; and if the transaction record comprises the correction record, the transaction result is failure.
In step 240, a posting operation is performed based on the transaction result.
Illustratively, the determining a transaction result based on the transaction record, and the performing an accounting operation based on the transaction result includes performing an accounting operation based on the transaction notification if the transaction record includes a receipt record, the transaction result being a transaction success.
Illustratively, the determining a transaction result based on the transaction record and the performing an accounting operation based on the transaction result further includes, if the transaction record includes a transaction failure record, determining that the transaction result is a transaction failure and ignoring the transaction notification.
Illustratively, the determining a transaction result based on the transaction record and the executing an account posting operation based on the transaction result further include that if the transaction record includes a transaction success record but no receipt record, the transaction result is pending and the amount to be credited is frozen. It can be understood that after the amount to be credited is frozen, the subsequent processing is performed after whether the subsequent inquiry is positive or not. Specifically, the merchant can perform operations such as transaction inquiry or card swiping for 1 minute on the POS machine terminal by sending a short message to the merchant to trigger transaction and positive charge notification so as to verify whether the transaction is positive charge, so that the integrity of a mechanism is guaranteed, and meanwhile, the hysteresis of manual communication and information transmission is saved.
For example, the determining a transaction result based on the transaction record and the performing an accounting operation based on the transaction result further include, if the transaction record includes a transaction record, the transaction result is a failure, buffering accounting, and waiting for an accounting notification.
Illustratively, if the transaction notification arrives before the conflict notification, the conflict record is stored in the database to be processed, the transaction notification is waited for, and if the conflict record is included in the transaction record after the transaction notification is received, the transaction notification is ignored, and no account posting operation is performed on the merchant.
In other embodiments, if the POS terminal is disconnected, the data on the POS terminal cannot be synchronized to the server, and theoretically, the transaction cannot be performed, that is, the user cannot perform card-swiping consumption. Illustratively, if the user is disconnected after the card is swiped, the entry is buffered and the positive notification is waited for.
It should be understood that although the various steps in the flow charts of fig. 1-2 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 1-2 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternating with other steps or at least some of the sub-steps or stages of other steps.
In one embodiment, as shown in fig. 3, there is provided a transaction result determination apparatus including: an obtaining module 300, an analyzing module 310, and a determining module 320, wherein:
the obtaining module 300 is configured to obtain a data set of the application terminal, where the data set includes transaction data and log record data of the application terminal.
And the analysis module 310 is configured to analyze the transaction data and the log record data to obtain a transaction record.
A determining module 320, configured to determine a transaction result based on the transaction record.
In one embodiment, as shown in fig. 4, there is provided a transaction result determination apparatus including: a notification receiving module 300, an obtaining module 310, an analyzing module 320, a determining module 330, and an executing module 340, wherein:
the notification receiving module 300 is configured to receive a transaction notification, where the transaction notification includes a transaction message generated by a POS issuer after a transaction occurs at a POS terminal.
The obtaining module 310 is configured to obtain a data set of the application terminal, where the data set includes transaction data and log record data of the application terminal.
And the analysis module 320 is configured to analyze the transaction data and the log record data to obtain a transaction record.
The determining module 330 is configured to determine a transaction result based on the transaction record.
And the execution module 340 is configured to execute an posting operation based on the transaction result.
The execution module 340 is further configured to, if the transaction record includes a receipt record, determine that the transaction result is a successful transaction, and execute an accounting operation based on the transaction notification.
The executing module 340 is further configured to ignore the transaction notification if the transaction record includes a transaction failure record, and the transaction result is a transaction failure.
The executing module 340 is further configured to, if the transaction record includes a transaction success record but does not include a receipt record, determine that the transaction result is pending, and freeze the amount to be credited.
And the execution module 340, if the transaction record includes a transaction record, the transaction result is a failure, and the transaction result is buffered for posting and waits for a transaction notification.
The execution module 340, if the transaction record includes a transaction record and the transaction notification has been received, the transaction result is transaction failure and the transaction notification is ignored.
And the execution module 340 buffers the posting if the data set is not received, and waits for a positive notification.
For the specific limitation of the transaction result determination device, reference may be made to the above limitation on the transaction result determination method, which is not described herein again. All or part of the modules in the transaction result judging device can be realized by software, hardware and the combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 5. The computer device includes a processor, a memory, a network interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a transaction result determination method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.
Those skilled in the art will appreciate that the architecture shown in fig. 5 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program:
acquiring a data set of an application terminal, wherein the data set comprises transaction data and log record data of the application terminal;
analyzing the transaction data and the log record data to obtain a transaction record;
and judging a transaction result based on the transaction record.
Receiving a data set sent by an application program of the application terminal at fixed time;
or;
and after receiving the transaction notification, receiving a data set sent by an application program of the application terminal.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
and executing the posting operation based on the transaction result.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
and if the transaction record comprises the receipt record, the transaction result is the transaction success, and the posting operation is executed based on the transaction notice.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
and if the transaction record comprises a transaction failure record or a transaction correction record, the transaction result is transaction failure, and the transaction notice is ignored.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
and if the transaction record comprises a transaction success record but no receipt record, the transaction result is pending, and the amount to be credited is frozen.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
and if the data set is not received, buffering and posting, and waiting for positive notification.
In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:
acquiring a data set of an application terminal, wherein the data set comprises transaction data and log record data of the application terminal;
analyzing the transaction data and the log record data to obtain a transaction record;
and judging a transaction result based on the transaction record.
In one embodiment, the computer program when executed by the processor further performs the steps of:
receiving a data set sent by an application program of the application terminal at fixed time;
or;
and after receiving the transaction notification, receiving a data set sent by an application program of the application terminal.
In one embodiment, the computer program when executed by the processor further performs the steps of:
and executing the posting operation based on the transaction result.
In one embodiment, the computer program when executed by the processor further performs the steps of:
and if the transaction record comprises the receipt record, the transaction result is the transaction success, and the posting operation is executed based on the transaction notice.
In one embodiment, the computer program when executed by the processor further performs the steps of:
and if the transaction record comprises a transaction failure record or a transaction correction record, the transaction result is transaction failure, and the transaction notice is ignored.
In one embodiment, the computer program when executed by the processor further performs the steps of:
and if the transaction record comprises a transaction success record but no receipt record, the transaction result is pending, and the amount to be credited is frozen.
In one embodiment, the computer program when executed by the processor further performs the steps of:
and if the data set is not received, buffering and posting, and waiting for positive notification.
The transaction result judging method, the transaction result judging device, the computer equipment and the storage medium are realized by acquiring a data set of the application terminal; analyzing the transaction data and the log record data to obtain a transaction record; the method for judging the transaction result based on the transaction record is assisted by the data result of the terminal, can immediately and effectively judge the transaction result of the current transaction notification, avoids the resource loss caused by the hysteresis of the positive-going message, can obtain the result when receiving the transaction notification, and has high efficiency.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims (10)

1. A transaction result judgment method is applied to positive judgment of POS machine card swiping transaction, and comprises the following steps:
acquiring a data set of an application terminal, wherein the data set comprises transaction data and log record data of the application terminal;
analyzing the transaction data and the log record data to obtain a transaction record;
and judging a transaction result based on the transaction record.
2. The method of claim 1, wherein the obtaining the data set of the application terminal comprises:
receiving a data set sent by an application program of the application terminal at fixed time;
or;
and after receiving the transaction notification, receiving a data set sent by an application program of the application terminal.
3. The method of claim 1, wherein determining a transaction result based on the transaction record further comprises:
and executing the posting operation based on the transaction result.
4. The method of claim 3, wherein determining a transaction result based on the transaction record, wherein performing an posting operation based on the transaction result comprises:
and if the transaction record comprises the receipt record, the transaction result is the transaction success, and the posting operation is executed based on the transaction notice.
5. The method of claim 3, wherein determining a transaction result based on the transaction record, wherein performing an posting operation based on the transaction result comprises:
and if the transaction record comprises a transaction failure record or a transaction correction record, the transaction result is transaction failure, and the transaction notice is ignored.
6. The method of claim 3, wherein determining a transaction result based on the transaction record, wherein performing an posting operation based on the transaction result comprises:
and if the transaction record comprises a transaction success record but no receipt record, the transaction result is pending, and the amount to be credited is frozen.
7. The method of claim 3, wherein determining a transaction result based on the transaction record, wherein performing an posting operation based on the transaction result comprises:
and if the data set is not received, buffering and posting, and waiting for positive notification.
8. A transaction result determination apparatus, characterized in that the apparatus comprises:
the acquisition module is used for acquiring a data set of the application terminal, wherein the data set comprises transaction data and log record data of the application terminal;
the analysis module is used for analyzing the transaction data and the log record data to obtain a transaction record;
and the judging module is used for judging a transaction result based on the transaction record.
9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor implements the steps of the method of any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.
CN201911044511.2A 2019-10-30 2019-10-30 Transaction result judgment method and device, computer equipment and storage medium Pending CN110930607A (en)

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CN105512886A (en) * 2015-12-04 2016-04-20 成都中联信通科技股份有限公司 NFC technology-based financial IC card on-line payment method
CN105761069A (en) * 2016-04-22 2016-07-13 深圳市新国都支付技术有限公司 POS terminal communication method and system thereof
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CN109583873A (en) * 2017-09-28 2019-04-05 北京三快在线科技有限公司 Transaction communications method, server, POS machine and electronic equipment
CN110046199A (en) * 2019-04-24 2019-07-23 北京阿尔山金融科技有限公司 Synchronous method, device and the electronic equipment of transaction data

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Publication number Priority date Publication date Assignee Title
CN1558362A (en) * 2004-02-05 2004-12-29 中国工商银行 Method and system for real-time payment of cheque
US20170236116A1 (en) * 2014-10-06 2017-08-17 Emo Oil Ltd Apparatus, system and method for creating a restricted use payment card
CN105512886A (en) * 2015-12-04 2016-04-20 成都中联信通科技股份有限公司 NFC technology-based financial IC card on-line payment method
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