CN111402038A - Transaction message generation method and device and electronic equipment - Google Patents
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Abstract
The embodiment of the specification provides a transaction message generation method and device and electronic equipment. The method comprises the following steps: acquiring one-way transaction data generated by a target client within preset time, and writing the one-way transaction data into a first transaction list and a second transaction list respectively; the one-way transaction data written in the first transaction list is transaction data corresponding to transactions of which the transaction amount is larger than a preset average transaction amount, and the one-way transaction data written in the second transaction list is transaction data corresponding to transactions of which the transaction amount is smaller than or equal to the preset average transaction amount; creating a temporary list, selecting one or more unidirectional transaction data corresponding to one or more transaction places from the first transaction list and/or the second transaction list, writing the unidirectional transaction data into the temporary list, so that the total transaction amount corresponding to the unidirectional transaction data in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list meeting the first preset condition.
Description
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to a method and an apparatus for generating a transaction packet, and an electronic device.
Background
In the process of risk review of the client, in order to implement supervision of the financial institution client, a third party authority needs to identify a potential transaction risk of the financial institution client, for example, the third party authority analyzes a transaction message from the financial institution to find a client risk behavior, such as money laundering behavior, fraud behavior, and the like, which may exist in the transaction message. Because the third-party authority has certain requirements on the transaction message reported by the financial institution, for example, certain limits are placed on the number of transactions in a single message and the numerical value of the total amount of the unidirectional transactions in the single message, when the transaction amount generated by the financial institution is very large every day, the transaction is necessary to be split into a plurality of messages before the successful report is possible, otherwise, the transaction message reported by the financial institution is not qualified, so that the third-party authority cannot complete the supervision on the transaction.
In the prior art, transactions are usually packaged into a plurality of messages in the following way, and a first random splitting way is used for packaging into one message as long as the number of transaction strokes meets the requirement, but random splitting can cause the total amount of one-way transactions of a plurality of messages to be smaller than a specified value; the second mode of sequencing transaction amounts from large to small is that as long as the total transaction amount meets the requirement, the transaction amount is packed into a message, but the mode can only report the part of transaction data with larger transaction amount successfully, and the report fails when the transaction amount is smaller.
Based on the prior art, a transaction message generation scheme capable of maximally reporting transaction success generated by a financial institution needs to be provided.
Disclosure of Invention
The embodiment of the specification provides a transaction message generation method, a transaction message generation device and electronic equipment, so as to solve the problem that the transaction message cannot be reported successfully to the maximum extent in the prior art.
In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:
in a first aspect, a method for generating a transaction message provided in an embodiment of the present specification includes:
acquiring one-way transaction data generated by a target customer within preset time, wherein the one-way transaction data comprises inflow transaction data or outflow transaction data;
writing the one-way transaction data into a transaction list, the transaction list comprising a first transaction list and a second transaction list; the unidirectional transaction data written in the first transaction list is transaction data corresponding to transactions of which the transaction amount is greater than a preset average transaction amount, and the unidirectional transaction data written in the second transaction list is transaction data corresponding to transactions of which the transaction amount is less than or equal to the preset average transaction amount;
creating a temporary list, selecting one or more unidirectional transaction data corresponding to one or more transaction places from the first transaction list and/or the second transaction list, writing the unidirectional transaction data into the temporary list, so that the total transaction amount corresponding to the unidirectional transaction data in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list meeting the first preset condition.
In a second aspect, an embodiment of the present specification provides a transaction packet generating apparatus, where the apparatus includes:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring one-way transaction data generated by a target client within preset time, and the one-way transaction data comprises inflow transaction data or outflow transaction data;
the write-in module is used for writing the one-way transaction data into a transaction list, wherein the transaction list comprises a first transaction list and a second transaction list; the unidirectional transaction data written in the first transaction list is transaction data corresponding to transactions of which the transaction amount is greater than a preset average transaction amount, and the unidirectional transaction data written in the second transaction list is transaction data corresponding to transactions of which the transaction amount is less than or equal to the preset average transaction amount;
and the generation module is used for creating a temporary list, selecting one or more unidirectional transaction data corresponding to the transaction from the first transaction list and/or the second transaction list, writing the unidirectional transaction data into the temporary list, so that the total transaction amount corresponding to the unidirectional transaction data in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list meeting the first preset condition.
In a third aspect, an embodiment of the present specification provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the method described in the first aspect when executing the program.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:
the method comprises the steps that unidirectional transaction data generated by a target client in preset time are obtained and written into a first transaction list and a second transaction list respectively; the one-way transaction data written in the first transaction list is transaction data corresponding to transactions of which the transaction amount is larger than the preset average transaction amount, and the one-way transaction data written in the second transaction list is transaction data corresponding to transactions of which the transaction amount is smaller than or equal to the preset average transaction amount; creating a temporary list, selecting one or more one-way transaction data corresponding to the transaction places from the first transaction list and/or the second transaction list, writing the one-way transaction data into the temporary list, so that the total transaction amount corresponding to the one-way transaction data in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list meeting the first preset condition. Based on the scheme, the one-way transaction data are respectively processed, the condition that the total amount of a single message meets the requirement but the one-way transaction amounts do not meet the requirement is avoided, a plurality of temporary lists meeting the requirement are generated in a mode that transaction data in a large transaction list (a first transaction list) and transaction data in a small transaction list (a second transaction list) are mutually combined, the condition that only data with larger transaction amounts are reported is avoided, and reporting failure is avoided if the transaction data are smaller, so that the aim of successfully reporting the transaction messages to the maximum is fulfilled.
Drawings
In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.
Fig. 1 is a schematic flow chart of a transaction message generation method provided in an embodiment of the present specification;
fig. 2 is a flow chart of a transaction message generation process provided in an embodiment of the present disclosure;
fig. 3 is a schematic flowchart of a process of generating a transaction message based on splitting and packaging bidirectional transaction data according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of a transaction message generation apparatus according to an embodiment of the present disclosure.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any inventive step based on the embodiments of the present disclosure, shall fall within the scope of protection of the present application.
The method comprises the steps that a client of a regulated financial institution needs to report large-amount transactions when the total amount of one-way transactions exceeds a regulated value within one day, the client can be a personal user or an institution user (such as an enterprise, a merchant and the like), and taking an internet commerce bank as an example, the numerical value specified for reporting the large-amount transactions can be 50 thousands of personal transactions and 200 thousands of merchant transactions; and because the third party authority system has a certain limit on the number of transactions in the received single message, for example, the maximum number of transactions in the single message is limited to 9999, when the total amount of the unidirectional transactions (incoming transactions or outgoing transactions) in the single message (each message contains 9999 transactions at most) is smaller than a specified value, it is prompted that the reported transaction message is unqualified.
Because a large merchant of a network merchant bank may have hundreds of thousands of transactions per day, the large merchant needs to be split into a plurality of messages to be reported, if a random splitting mode is adopted (as long as the transaction number reaches 9999, the messages are packaged into one message), the total amount of a plurality of messages flowing into the transactions and flowing out of the transactions is smaller than a specified value (such as 200 thousands) and is unqualified, even in an extreme case, all messages of a client are reported unsuccessfully, and if a transaction amount sorting mode is adopted (as long as the transaction amount is sorted from large to small, the messages are packaged into one message as long as the transaction total amount reaches a requirement), only transaction data with a large transaction amount may be reported successfully, and if the transaction amount is small, the messages are reported unsuccessfully. Therefore, an algorithm is needed to reasonably split and package transaction data of a large merchant into messages, so that the transaction number can be reported to the maximum.
In practical applications, the algorithm corresponding to the scheme can be operated in the anti-money laundering messaging system of each financial institution in a software or computer program mode, and the scheme of the specification is described in detail based on the scene by taking the application of the scheme in the anti-money laundering messaging system of the internet commerce bank as an example.
Fig. 1 is a schematic flow chart of a transaction message generation method provided in an embodiment of the present specification, where the method specifically includes the following steps:
in step S110, one-way transaction data generated by the target customer within a predetermined time is acquired, and the one-way transaction data includes inflow transaction data or outflow transaction data.
In one or more embodiments of the present disclosure, the target customer may also be considered as a target user or a target merchant, and the one-way transaction data of the target customer may be obtained from a database of a background system of a financial institution (e.g., an internet banking system), and specifically, the full-volume transaction data generated by the target customer within a predetermined time may be obtained from the database, and then the one-way transaction data may be screened from the full-volume transaction data. The predetermined time may be a specific day or a plurality of consecutive days, and may also be a time period, where the predetermined time range is not limited too much.
In addition, after the full-volume transaction data of the target customer is obtained, data cleaning may be performed on the full-volume transaction data, only the dimension features used for generating the transaction message are reserved, and for example, the dimension features related to the transaction scenario in the transaction data may be cleaned, and the transaction data obtained after cleaning may include, but is not limited to, the following contents: transaction amount, transaction flow direction, transaction time, and the like.
In step S120, writing the one-way transaction data into a transaction list, where the transaction list includes a first transaction list and a second transaction list; the unidirectional transaction data written in the first transaction list is transaction data corresponding to transactions of which the transaction amount is larger than a preset average transaction amount, and the unidirectional transaction data written in the second transaction list is transaction data corresponding to transactions of which the transaction amount is smaller than or equal to the preset average transaction amount.
In one or more embodiments of the present specification, the preset average transaction amount is a minimum average transaction amount corresponding to a single message, which is obtained by calculating a total transaction amount corresponding to unidirectional transaction data in the single message and a limit of a maximum number of transaction processes in the single message according to a supervision rule. For example, the minimum value of the total transaction amount corresponding to the unidirectional transaction data in a single message of the supervision rule is M, the maximum transaction number that can be included in the single message is N, and then the minimum average transaction amount (i.e., the preset average transaction amount) AVG ceil (M/N) corresponding to the single message is described below by using a specific embodiment. Based on the large-amount transaction of the internet-commerce bank in the foregoing embodiment as an example, the total transaction amount of the one-way transaction of the merchant is defined as M, N is defined as 9999, and then the minimum average transaction amount AVG (2000000/9999) of the single transaction message is defined as ceil (2000000/9999), that is, the preset average transaction amount is 200 yuan.
Further, in the embodiment of the present specification, the transaction list is created by a packaging algorithm corresponding to the present scheme, and since the one-way transaction data (incoming transaction data or outgoing transaction data) of the target customer is acquired in the embodiment, only two transaction lists need to be created; however, in another embodiment, when bidirectional transaction data (incoming transaction data and outgoing transaction data) of a user is acquired, at this time, the incoming transaction data and the outgoing transaction data need to be respectively split and packaged to generate respective corresponding transaction messages, four transaction lists may be created. The following briefly describes the first transaction list and the second transaction list, taking the incoming transaction data as an example:
in practical application, the first transaction list can be represented by tradeIn gtavg L ist, the second transaction list can be represented by tradeIn L TAvg L ist, and it is worth mentioning that the one-way transaction data written in the first transaction list and the second transaction list can be sorted from small to large according to the transaction amount.
In step S130, a temporary list is created, one or more unidirectional transaction data corresponding to one or more transactions are selected from the first transaction list and/or the second transaction list and written into the temporary list, so that a total transaction amount corresponding to the unidirectional transaction data in the temporary list meets a first preset condition, and a transaction message is generated according to the temporary list meeting the first preset condition.
In one or more embodiments of the present disclosure, the temporary list is created by a packing algorithm to piece together messages for transactions to meet regulatory requirements, and the created temporary list is an empty list. The following describes in detail a generation process of a transaction message with reference to the accompanying drawings, as shown in fig. 2, which shows a flow chart of the generation process of the transaction message provided in the embodiment of the present specification, specifically, the generation process of the transaction message may include the following contents:
firstly, executing a first step of judgment, writing the one-way transaction data corresponding to the one-way transaction with the largest transaction amount in the first transaction list into a temporary list, judging whether the total transaction amount corresponding to the one-way transaction data contained in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list when the first preset condition is met; the first preset condition is that the total transaction amount corresponding to the one-way transaction data in the temporary list is larger than or equal to the preset total transaction amount.
In the first step of determination, since the initial temporary list is empty, a transaction with the largest transaction amount may be first obtained from the first transaction list tradeInGTAvg L ist, and the one-way transaction data of the transaction is written into the temporary list, at this time, the temporary list after the one-way transaction data is written is compared with the first preset condition to see whether the requirement of the first preset condition is met, and it is obvious that when the transaction amount corresponding to the one-way transaction data put in the first transaction is greater than or equal to the preset total transaction amount M, the temporary list meets the reporting requirement, and the written temporary list is directly converted into a transaction list meeting the requirement of the third party authority or directly generates a transaction message.
It should be noted that, after the one-way transaction data corresponding to one transaction is written into the temporary list, the one-way transaction data is deleted from the corresponding transaction list, so that the one-way transaction data corresponding to the maximum transaction amount written into the temporary list at each time is not the same transaction data, that is, the maximum transaction amount in the first transaction list is continuously changed along with deletion of the one-way transaction data.
Further, when the first preset condition is not met, executing second step judgment, namely executing judgment of a second preset condition on the temporary list after the transaction data corresponding to the maximum transaction amount is written, and when the temporary list meets the second preset condition, selecting one-way transaction data corresponding to one transaction which can enable the total transaction amount corresponding to the temporary list to meet the first preset condition from the first transaction list, writing the one-way transaction data into the temporary list, and generating a transaction message according to the written temporary list;
the second preset condition is that the total number of transactions contained in the temporary list is equal to N-1, and N is used for representing the maximum number of transactions contained in a preset single message.
In the second step of determination, whether to execute the second step of operation is determined by comparing the transaction number written in the temporary list after the maximum transaction with the preset transaction number, that is, when the transaction number in the temporary list is N-1, and since the first preset condition is not satisfied, the total transaction amount in the temporary list is less than M, at this time, a transaction is taken out from the first transaction list tradeInGTAvg L ist (i.e., the large transaction list), so that after the transaction data of the transaction is written in the temporary list, the total transaction amount in the temporary list can just satisfy the first preset condition (i.e., the total transaction amount is greater than or equal to the preset total transaction amount).
Further, in the embodiment of the present specification, the term "just satisfying" means that the total transaction amount in the temporary list is just equal to or just greater than the preset total transaction amount, and may be also regarded as being closest to the first preset condition even if the difference between the total transaction amount corresponding to the one-way transaction data in the temporary list and the preset total transaction amount is minimized. For example, the preset total transaction amount M is 500 ten thousand, the written maximum transaction amount is determined to be 400 ten thousand in the first step, and the following transactions are still present in the first transaction list: 80 ten thousand, 99 ten thousand, 101 ten thousand and 110 ten thousand, as long as the written transaction sum and 400 ten thousand just meet the requirement of more than or equal to 500 ten thousand, although two transactions of 101 ten thousand and 110 ten thousand can make the written transaction sum to be more than 500 ten thousand, it is obvious that 101 ten thousand is more consistent with the requirement of just meeting more than 500 ten thousand compared with 110 ten thousand transactions.
Further, when the second preset condition is not satisfied (the first preset condition is not satisfied at this time), the third step of judging is continuously performed, that is, the third preset condition is judged on the temporary list after the transaction data corresponding to the maximum transaction amount is written, and according to the judgment result of the third preset condition, the one-way transaction data in the first transaction list or the second transaction list is written into the temporary list, specifically,
when a third preset condition is met, writing the one-way transaction data corresponding to the transaction place with the largest transaction amount in the second transaction list into the temporary list;
when the third preset condition is not met, writing the one-way transaction data corresponding to the transaction place with the minimum transaction amount in the first transaction list into the temporary list;
judging the first preset condition again on the written temporary list, and generating a transaction message according to the temporary list meeting the first preset condition until the total transaction amount corresponding to the one-way transaction data in the temporary list just meets the first preset condition;
the third preset condition is that the average transaction amount of the one-way transaction data in the temporary list is larger than the preset average transaction amount.
Specifically, in the embodiment of the present specification, the determination of the third preset condition is a determination of an average value of total transaction amounts corresponding to all the unidirectional transaction data in the written temporary list, when the average transaction amount in the temporary list is greater than AVG (preset average transaction amount), that is, when the third preset condition is satisfied, the unidirectional transaction data corresponding to the maximum transaction amount is selected from the second transaction list tradeIn L TAvg L ist (small transaction list) and written into the temporary list, or it may be considered that the maximum transaction is written into the temporary list, and when the average transaction amount in the temporary list is less than or equal to AVG (preset average transaction amount), that is, when the third preset condition is not satisfied, the unidirectional transaction data corresponding to the minimum transaction amount is selected from the first transaction list tradeIn gtavg L ist (large transaction list) and written into the temporary list, or it may be considered that the minimum transaction is written into the temporary list.
In one or more embodiments of the present description, after the one-way transaction data corresponding to one transaction order is written into the temporary list, the one-way transaction data is deleted from the corresponding transaction list; and, every time a temporary list meets the first preset condition, creating a new temporary list until all or part of the unidirectional transaction data in the transaction list is written into at least one temporary list meeting the first preset condition.
Further, in this embodiment of the present disclosure, after the determination operation based on the first to third steps is performed, a plurality of temporary lists just meeting the first preset condition are divided, and each time one of the temporary lists meets the first preset condition, a new temporary list may be created to continue to pack other transaction data, or the temporary list may be cleared to continue to write other transaction data. After splitting and packaging the temporary lists into a plurality of temporary lists just meeting the first preset condition, the following method can be adopted to generate the transaction message based on the plurality of temporary lists meeting the first preset condition, and the method specifically comprises the following steps:
after all or part of the unidirectional transaction data in the transaction list are written into at least one temporary list meeting a first preset condition, the unidirectional transaction data which cannot be written into the temporary list in the transaction list are sequentially written into at least one temporary list meeting the first preset condition; it is worth to be noted that after the unidirectional transaction data in the transaction list is packaged by adopting the above-mentioned dividing manner, some transaction data which cannot be written into the temporary transaction list often remain, and the transaction amounts corresponding to the transaction data are generally small, so that in order to maximize the number of transactions of the customer reported finally, the small transactions can be sequentially put into the divided temporary list meeting the requirements of the third-party authority, thereby successfully reporting the maximum number of transactions to the third-party authority. In practical application, the small transactions remaining in the transaction list can be placed in any temporary list in a random placing mode, and the successful report of the temporary list meeting the first preset condition to the third party authority is not influenced no matter which temporary list the transactions are placed in.
In an embodiment of the present specification, the transaction message may adopt a file in an XM L format, and the finally reported transaction message is a format required by a third party authority system to assemble personal information and transaction information of the client.
The contents of the above embodiment are explained by taking one-way transaction data (incoming transaction data) and writing the one-way transaction data into two transaction lists (a first transaction list and a second transaction list), and below, taking the two-way transaction data (incoming transaction data and outgoing transaction data) of the target customer and writing the two-way transaction data into four transaction lists, i.e., a first transaction list, a second transaction list, a third transaction list and a fourth transaction list according to incoming transaction, outgoing transaction and whether AVG is larger than AVG, and the transactions in each transaction list are sorted from small to large according to the amount of money.
The following describes a process of generating a transaction message by splitting and packaging bidirectional transaction data with reference to the accompanying drawings, and as shown in fig. 3, it shows a schematic flow chart of generating a transaction message by splitting and packaging bidirectional transaction data provided in an embodiment of this specification, specifically, the process of generating a transaction message may include the following contents:
when the one-way transaction data written in the first transaction list and the second transaction list are inflow transaction data, a third transaction list and a fourth transaction list can be created, and outflow transaction data of the target customer are respectively written in the third transaction list and the fourth transaction list; the outflow transaction data written in the third transaction list is the transaction data corresponding to the transactions of which the transaction amount is greater than the preset average transaction amount, and the outflow transaction data written in the fourth transaction list is the transaction data corresponding to the transactions of which the transaction amount is less than or equal to the preset average transaction amount;
and creating a temporary list, selecting outflow transaction data corresponding to one or more transactions from the third transaction list and/or the fourth transaction list, writing the outflow transaction data into the temporary list, so that the total transaction amount corresponding to the outflow transaction data in the temporary list just meets a first preset condition, and generating a transaction message according to the temporary list meeting the first preset condition.
Further, In this embodiment of the present disclosure, the third transaction list may be represented by tradeOutGTAvg L ist, the fourth transaction list may be represented by tradeOut L TAvg L ist, after the full amount of transaction data of the target customer is obtained, the data may be cleaned to obtain the transaction data of the feature dimension to be reported, and the incoming transaction and the outgoing transaction are distinguished according to the transaction identifier In the transaction data, and then the incoming transaction data is written into the first transaction list tradeontingtavg L ist and the second transaction list trade In L TAvg L ist, and the outgoing transaction data is written into the third transaction list tradeOutGTAvg L tradeOut L TAvg L ist, and sorted according to the transaction amount from small to large.
After the bidirectional transaction data of the client is written into the corresponding transaction list, the incoming transaction and the outgoing transaction are processed, respectively, and the processing procedure of the outgoing transaction is the same as the processing procedure of the incoming transaction in step S130, which is not described herein again. The incoming transaction data and the outgoing transaction data are written into different temporary lists respectively, at this time, the transaction data in the temporary lists are also unidirectional, that is, the unidirectional transaction data written into the same temporary list is unidirectional so far, that is, one temporary list only contains the incoming transaction data or the outgoing transaction data. However, the method is different from the method of only packing a certain one-way transaction data in step S130, after part of the incoming transaction data or the outgoing transaction data is written into the temporary lists satisfying the first preset condition, the remaining incoming transaction data or outgoing transaction data in the transaction list may be randomly or sequentially written into each temporary list satisfying the requirement, so that the same temporary list may include both the incoming transaction data and the outgoing transaction data, but for any temporary list, the requirement that the total amount of the one-way transaction is greater than the preset total transaction amount M is satisfied, and therefore each temporary list still satisfies the supervision requirement, and can be successfully reported to the third party authority.
According to the technical scheme, the full transaction data of the client is divided into two unidirectional transaction data for processing, so that the situation that the total amount of inflow transaction and outflow transaction of transaction messages meets the requirement, but the unidirectional transaction does not meet the requirement is avoided. In addition, through writing unidirectional transaction data chalks into a large-amount transaction list and a small-amount transaction list, a plurality of temporary transaction lists which just meet the requirements of a third party authority are generated in a large-amount transaction and small-amount transaction combination mode, then other small-amount transactions are placed into the transaction lists, the total amount of a certain unidirectional transaction is just larger than or equal to the preset total transaction amount M, the transaction amount is smaller than the maximum transaction amount N limited by a single message, and the condition that only large-amount transaction data are reported and a small-amount transaction database fails to report is avoided. The practical application of the scheme in the Internet commerce bank anti-money laundering message system proves that the average message reporting failure number can be reduced from 30-50 to single digit, so that the transaction of the customer is maximally reported to the third-party authority, information is provided for the third-party authority as much as possible, and the third-party authority can supervise the risk behaviors of the customer of the financial institution.
Based on the same idea, an embodiment of the present specification further provides a transaction message generating apparatus, and as shown in fig. 4, a schematic structural diagram of the transaction message generating apparatus provided in the embodiment of the present specification is provided, where the apparatus 400 mainly includes:
an obtaining module 401, configured to obtain unidirectional transaction data generated by a target client within a predetermined time, where the unidirectional transaction data includes inflow transaction data or outflow transaction data;
a writing module 402, configured to write the one-way transaction data into a transaction list, where the transaction list includes a first transaction list and a second transaction list; the unidirectional transaction data written in the first transaction list is transaction data corresponding to transactions of which the transaction amount is greater than a preset average transaction amount, and the unidirectional transaction data written in the second transaction list is transaction data corresponding to transactions of which the transaction amount is less than or equal to the preset average transaction amount;
a generating module 403, configured to create a temporary list, select one or more unidirectional transaction data corresponding to one or more transaction from the first transaction list and/or the second transaction list, write the unidirectional transaction data into the temporary list, so that a total transaction amount corresponding to the unidirectional transaction data in the temporary list just meets a first preset condition, and generate a transaction message according to the temporary list meeting the first preset condition.
An embodiment of the present specification further provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the above-mentioned transaction message generation method.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the embodiments of the apparatus, the electronic device, and the nonvolatile computer storage medium, since they are substantially similar to the embodiments of the method, the description is simple, and the relevant points can be referred to the partial description of the embodiments of the method.
The apparatus, the electronic device, the nonvolatile computer storage medium and the method provided in the embodiments of the present description correspond to each other, and therefore, the apparatus, the electronic device, and the nonvolatile computer storage medium also have similar advantageous technical effects to the corresponding method.
In the 90 th generation of 20 th century, it is obvious that improvements in Hardware (for example, improvements in Circuit structures such as diodes, transistors and switches) or software (for improvement in method flow) can be distinguished for a technical improvement, however, as technology develops, many of the improvements in method flow today can be regarded as direct improvements in Hardware Circuit structures, designers almost all obtain corresponding Hardware Circuit structures by Programming the improved method flow into Hardware circuits, and therefore, it cannot be said that an improvement in method flow cannot be realized by Hardware entity modules, for example, Programmable logic devices (Programmable logic devices L organic devices, P L D) (for example, Field Programmable Gate Arrays (FPGAs) are integrated circuits whose logic functions are determined by user Programming of devices), and a digital system is "integrated" on a P L D "by self Programming of designers without requiring many kinds of integrated circuits manufactured and manufactured by special chip manufacturers to design and manufacture, and only a Hardware software is written in Hardware programs such as Hardware programs, software programs, such as Hardware programs, software, Hardware programs, software programs, Hardware programs, software, Hardware programs, software, Hardware programs, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software.
A controller may be implemented in any suitable manner, e.g., in the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, Application Specific Integrated Circuits (ASICs), programmable logic controllers (PLC's) and embedded microcontrollers, examples of which include, but are not limited to, microcontrollers 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone L abs C8051F320, which may also be implemented as part of the control logic of a memory.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the various elements may be implemented in the same one or more software and/or hardware implementations in implementing one or more embodiments of the present description.
As will be appreciated by one skilled in the art, the present specification embodiments may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.
The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present specification, and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (19)
1. A transaction message generation method comprises the following steps:
acquiring one-way transaction data generated by a target customer within preset time, wherein the one-way transaction data comprises inflow transaction data or outflow transaction data;
writing the one-way transaction data into a transaction list, the transaction list comprising a first transaction list and a second transaction list; the unidirectional transaction data written in the first transaction list is transaction data corresponding to transactions of which the transaction amount is greater than a preset average transaction amount, and the unidirectional transaction data written in the second transaction list is transaction data corresponding to transactions of which the transaction amount is less than or equal to the preset average transaction amount;
creating a temporary list, selecting one or more unidirectional transaction data corresponding to one or more transaction places from the first transaction list and/or the second transaction list, writing the unidirectional transaction data into the temporary list, so that the total transaction amount corresponding to the unidirectional transaction data in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list meeting the first preset condition.
2. The method of claim 1, prior to obtaining the one-way transaction data generated by the target customer within the predetermined time, further comprising:
and acquiring full-volume transaction data generated by a target customer within preset time, and screening one-way transaction data from the full-volume transaction data.
3. The method of claim 1, wherein the transaction data includes a transaction amount, a transaction flow, and a transaction time.
4. The method according to claim 1, wherein one or more unidirectional transaction data corresponding to one or more exchanges are selected from the first transaction list and/or the second transaction list and written into the temporary list, so that a total transaction amount corresponding to the unidirectional transaction data in the temporary list meets a first preset condition, and a transaction message is generated according to the temporary list meeting the first preset condition, including:
writing the one-way transaction data corresponding to the one-way transaction place with the largest transaction amount in the first transaction list into a temporary list, judging whether the total transaction amount corresponding to the one-way transaction data contained in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list when the first preset condition is met;
the first preset condition is that the total transaction amount corresponding to the one-way transaction data in the temporary list is larger than or equal to the preset total transaction amount.
5. The method of claim 4, when the first preset condition is not satisfied, the method further comprising:
executing judgment on a second preset condition, selecting one-way transaction data corresponding to one transaction which can enable the total transaction amount corresponding to the temporary list to meet the first preset condition from the first transaction list when the second preset condition is met, writing the one-way transaction data into the temporary list, and generating a transaction message according to the written temporary list;
the second preset condition is that the total number of transactions contained in the temporary list is equal to N-1, and N is used for representing the maximum number of transactions contained in a preset single message.
6. The method of claim 5, when the second preset condition is not satisfied, the method further comprising:
executing judgment on a third preset condition, and writing the one-way transaction data in the first transaction list or the second transaction list into a temporary list according to a judgment result of the third preset condition, specifically,
when the third preset condition is met, writing the one-way transaction data corresponding to the one-way transaction with the maximum transaction amount in the second transaction list into the temporary list;
when the third preset condition is not met, writing the one-way transaction data corresponding to the transaction place with the minimum transaction amount in the first transaction list into the temporary list;
judging the first preset condition again on the written temporary list, and generating a transaction message according to the temporary list meeting the first preset condition until the total transaction amount corresponding to the one-way transaction data in the temporary list meets the first preset condition;
the third preset condition is that the average transaction amount of the one-way transaction data in the temporary list is larger than the preset average transaction amount.
7. The method of claim 1, wherein said causing the total transaction amount corresponding to the one-way transaction data in the temporary list to satisfy a first preset condition comprises:
so that the total transaction amount corresponding to the one-way transaction data in the temporary list just meets a first preset condition; specifically, the condition just meeting the first preset condition is used for minimizing a difference between a total transaction amount corresponding to the unidirectional transaction data in the temporary list and a preset total transaction amount.
8. The method of claim 4, 5 or 6, further comprising:
after the one-way transaction data corresponding to one transaction order are written into the temporary list, the one-way transaction data are deleted from the corresponding transaction list; and creating a new temporary list each time one temporary list meets the first preset condition until all or part of the unidirectional transaction data in the transaction list is written into at least one temporary list meeting the first preset condition.
9. The method according to claim 8, wherein the generating a transaction message according to the temporary list satisfying the first preset condition comprises:
after all or part of the unidirectional transaction data in the transaction list are written into at least one temporary list meeting the first preset condition, the unidirectional transaction data which cannot be written into the temporary list in the transaction list are sequentially written into the at least one temporary list meeting the first preset condition;
and assembling the target customer information and the written one-way transaction data in the temporary list so as to generate the transaction message.
10. The method of claim 1, when the one-way transaction data written in the first transaction list and the second transaction list is incoming transaction data, the method further comprising:
creating a third transaction list and a fourth transaction list, and respectively writing the outflow transaction data of the target customer into the third transaction list and the fourth transaction list; the outflow transaction data written in the third transaction list is the transaction data corresponding to the transactions of which the transaction amount is greater than the preset average transaction amount, and the outflow transaction data written in the fourth transaction list is the transaction data corresponding to the transactions of which the transaction amount is less than or equal to the preset average transaction amount;
creating a temporary list, selecting outflow transaction data corresponding to one or more transactions from the third transaction list and/or the fourth transaction list, writing the outflow transaction data into the temporary list, so that the total transaction amount corresponding to the outflow transaction data in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list meeting the first preset condition.
11. A transaction message generation apparatus, the apparatus comprising:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring one-way transaction data generated by a target client within preset time, and the one-way transaction data comprises inflow transaction data or outflow transaction data;
the write-in module is used for writing the one-way transaction data into a transaction list, wherein the transaction list comprises a first transaction list and a second transaction list; the unidirectional transaction data written in the first transaction list is transaction data corresponding to transactions of which the transaction amount is greater than a preset average transaction amount, and the unidirectional transaction data written in the second transaction list is transaction data corresponding to transactions of which the transaction amount is less than or equal to the preset average transaction amount;
and the generation module is used for creating a temporary list, selecting one or more unidirectional transaction data corresponding to the transaction from the first transaction list and/or the second transaction list, writing the unidirectional transaction data into the temporary list, so that the total transaction amount corresponding to the unidirectional transaction data in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list meeting the first preset condition.
12. The apparatus of claim 11, the acquisition module further to:
and before the unidirectional transaction data generated by the target customer in the preset time is obtained, acquiring full transaction data generated by the target customer in the preset time, and screening the unidirectional transaction data from the full transaction data.
13. The apparatus of claim 11, the generation module specifically configured to:
writing the one-way transaction data corresponding to the one-way transaction place with the largest transaction amount in the first transaction list into a temporary list, judging whether the total transaction amount corresponding to the one-way transaction data contained in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list when the first preset condition is met;
the first preset condition is that the total transaction amount corresponding to the one-way transaction data in the temporary list is larger than or equal to the preset total transaction amount.
14. The apparatus of claim 13, the generation module further to:
when the first preset condition is not met, judging a second preset condition, when the second preset condition is met, selecting one-way transaction data corresponding to one transaction place which can enable the total transaction amount corresponding to the temporary list to meet the first preset condition from the first transaction list, writing the one-way transaction data into the temporary list, and generating a transaction message according to the written temporary list;
the second preset condition is that the total number of transactions contained in the temporary list is equal to N-1, and N is used for representing the maximum number of transactions contained in a preset single message.
15. The apparatus of claim 14, the generation module further to:
when the second preset condition is not met, executing judgment on a third preset condition, and writing the one-way transaction data in the first transaction list or the second transaction list into a temporary list according to a judgment result of the third preset condition, specifically,
when the third preset condition is met, writing the one-way transaction data corresponding to the one-way transaction with the maximum transaction amount in the second transaction list into the temporary list;
when the third preset condition is not met, writing the one-way transaction data corresponding to the transaction place with the minimum transaction amount in the first transaction list into the temporary list;
judging the first preset condition again on the written temporary list, and generating a transaction message according to the temporary list meeting the first preset condition until the total transaction amount corresponding to the one-way transaction data in the temporary list meets the first preset condition;
the third preset condition is that the average transaction amount of the one-way transaction data in the temporary list is larger than the preset average transaction amount.
16. The apparatus of claim 13, 14 or 15, the generation module further to:
after the one-way transaction data corresponding to one transaction order are written into the temporary list, the one-way transaction data are deleted from the corresponding transaction list; and creating a new temporary list each time one temporary list meets the first preset condition until all or part of the unidirectional transaction data in the transaction list is written into at least one temporary list meeting the first preset condition.
17. The apparatus of claim 16, the generation module further to:
after all or part of the unidirectional transaction data in the transaction list are written into at least one temporary list meeting the first preset condition, the unidirectional transaction data which cannot be written into the temporary list in the transaction list are sequentially written into the at least one temporary list meeting the first preset condition;
and assembling the target customer information and the written one-way transaction data in the temporary list so as to generate the transaction message.
18. The apparatus of claim 11, the generation module further to:
when the one-way transaction data written in the first transaction list and the second transaction list are inflow transaction data, creating a third transaction list and a fourth transaction list, and writing the outflow transaction data of the target customer into the third transaction list and the fourth transaction list respectively; the outflow transaction data written in the third transaction list is the transaction data corresponding to the transactions of which the transaction amount is greater than the preset average transaction amount, and the outflow transaction data written in the fourth transaction list is the transaction data corresponding to the transactions of which the transaction amount is less than or equal to the preset average transaction amount;
creating a temporary list, selecting outflow transaction data corresponding to one or more transactions from the third transaction list and/or the fourth transaction list, writing the outflow transaction data into the temporary list, so that the total transaction amount corresponding to the outflow transaction data in the temporary list meets a first preset condition, and generating a transaction message according to the temporary list meeting the first preset condition.
19. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method of any one of claims 1 to 10 when executing the program.
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