CN111429274A - Transaction processing method and device - Google Patents
Transaction processing method and device Download PDFInfo
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- CN111429274A CN111429274A CN202010157881.3A CN202010157881A CN111429274A CN 111429274 A CN111429274 A CN 111429274A CN 202010157881 A CN202010157881 A CN 202010157881A CN 111429274 A CN111429274 A CN 111429274A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
Abstract
The invention discloses a transaction processing method and a transaction processing device, and relates to the technical field of computers. One embodiment of the method includes receiving a transaction request, parsing the transaction request, identifying a transaction type; acquiring a transaction discount model corresponding to the transaction type, calling a user information component based on a transaction request, calculating to obtain total discount information and returning the total discount information; and if the transaction type is a transfer transaction, acquiring transaction data to determine a transfer transaction stage, and further acquiring a corresponding transaction preference model according to the transfer transaction stage. Therefore, the embodiment of the invention can solve the problems of inflexible preferential configuration and insufficient wind control in the prior art.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a transaction processing method and a transaction processing device.
Background
In recent years, with the accumulation of social wealth, user services become fine, wealth management for high-net-value users and private banking are developed vigorously, the development of the wealth management and the private banking becomes an important direction for the expansion of various commercial banking businesses, and the comprehensive supply capacity and the personalized differentiated service level of high-quality financial and non-financial goods become competitive focuses and trends. At present, financial articles and services of private users are mainly focused on traditional financing, insurance, trust and the like, financial market transaction articles and services are brought into a private bank asset allocation and investment transaction system, and a differentiated personalized design is realized, so that the comprehensive and differentiated service capability of the users is improved, and the value creation and competitiveness are improved.
The conventional discount mechanism of the account item transaction system supports the discount based on the transaction amount and the transfer transaction type, and changes project establishment and implements development tasks aiming at accurate marketing of high-quality users, expansion of a price discount system of account items, addition of transaction channel discount information, high-quality user level discount and the like in order to expand the service competitiveness along with the rapid development of account item services.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
currently, the existing MCTS (mulit-commoditytradingsystem) price privilege supports setting of a large amount privilege information parameter according to a transaction amount, and setting of a transfer-out and transfer-in privilege parameter for a transfer transaction. But the transaction channel preferential information processing can not be realized, and the preferential processing based on user maintenance is not available. And risk control without preferential parameters and parameter maintenance risk do not realize system control.
Disclosure of Invention
In view of this, embodiments of the present invention provide a transaction processing method and apparatus, which can solve the problems of inflexible preferential configuration and insufficient wind control in the prior art.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a transaction processing method including receiving a transaction request to parse the transaction request, identifying a transaction type; acquiring a transaction discount model corresponding to the transaction type, calling a user information component based on a transaction request, calculating to obtain total discount information and returning the total discount information; and if the transaction type is a transfer transaction, acquiring transaction data to determine a transfer transaction stage, and further acquiring a corresponding transaction preference model according to the transfer transaction stage.
Optionally, the obtaining transaction data to determine a transfer transaction stage, and further obtaining a corresponding transaction offer model according to the transfer transaction stage includes:
determining that the transfer transaction stage is a transfer transaction transfer stage according to the transaction data, and acquiring a transfer transaction transfer discount model;
calling a user information component based on the transaction request, and executing preferential information comparison respectively corresponding to the user star-level information and the private user grade information, wherein a high value is a first result; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the lower value as a third result; and multiplying the third result by 2, adding the transitional discount information, comparing the transitional discount information with the upper limit of the transitional discount information point difference, and taking the lower value as the total discount information.
Optionally, the obtaining transaction data to determine a transfer transaction stage, and further obtaining a corresponding transaction offer model according to the transfer transaction stage includes:
determining that the transfer transaction stage is a transfer transaction transfer stage according to the transaction data, and acquiring a transfer transaction transfer preference information model;
and calling a user information component based on the transaction request to obtain the transfer transaction transfer-in discount information and the transfer discount information point difference upper limit so as to calculate the total discount information based on the transfer transaction transfer-in discount information model.
Optionally, the method further comprises:
if the transaction type is a common transaction type, calling a user information component based on a transaction request according to the obtained common transaction preferential model, executing preferential information comparison between user star-level information and preferential information respectively corresponding to private user grade information, and taking a high value as a first result; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; and comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the high or low value as the total discount information.
Optionally, the method further comprises:
the user star level information and the private user level information are both stored in a user information component, and preset time synchronization primary user star level information and private user level information are set.
Optionally, the method further comprises:
setting risk authorization control for each parameter in the user information component;
when the user information component is called based on the transaction request, the parameters of the user information component to be called are determined, and total preferential information is obtained through authorization of the target object and calculation according to the parameters of the user information component.
Optionally, the method further comprises:
and providing a transaction preference inquiry function interface based on types so as to obtain corresponding total preference information through the transaction preference inquiry function interface.
In addition, the invention also provides a transaction processing device, which comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving the transaction request so as to analyze the transaction request and identify the transaction type; the processing module is used for acquiring a transaction discount model corresponding to the transaction type, calling a user information component based on the transaction request, calculating to obtain total discount information and returning the total discount information; and if the transaction type is a transfer transaction, acquiring transaction data to determine a transfer transaction stage, and further acquiring a corresponding transaction preference model according to the transfer transaction stage.
One embodiment of the above invention has the following advantages or benefits: because the transaction request is received so as to be analyzed, the transaction type is identified; acquiring a transaction discount model corresponding to the transaction type, calling a user information component based on a transaction request, calculating to obtain total discount information and returning the total discount information; if the transaction type is a forward transaction, transaction data is acquired to determine a forward transaction stage, and a corresponding transaction preference model is obtained according to the forward transaction stage, so that the technical problems of inflexible preference configuration and insufficient wind control in the prior art are solved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic view of a main flow of a transaction processing method according to a first embodiment of the present invention;
fig. 2 is a schematic view of a main flow of a transaction processing method according to a second embodiment of the present invention;
fig. 3 is a schematic view of a main flow of a transaction processing method according to a third embodiment of the present invention;
FIG. 4 is a schematic diagram of the main modules of a transaction processing device according to an embodiment of the invention;
FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 6 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of a main flow of a transaction processing method according to a first embodiment of the present invention, as shown in fig. 1, the transaction processing method includes:
step S101, receiving a transaction request to analyze the transaction request and identify the transaction type.
And step S102, obtaining a transaction discount model corresponding to the transaction type, calling a user information component based on the transaction request, calculating to obtain total discount information and returning the total discount information. And if the transaction type is a transfer transaction, acquiring transaction data to determine a transfer transaction stage, and further acquiring a corresponding transaction preference model according to the transfer transaction stage.
In some embodiments, if the transaction type is a forward transaction, transaction data is acquired to determine a forward transaction stage, and then a corresponding transaction offer model is obtained according to the forward transaction stage. The transfer transaction is a specific combined transaction of account goods, the current-month contract held by the user is leveled, and the next-month contract is automatically opened according to the transfer mode (according to the amount or quantity) selected by the user. The method comprises two stages: the transfer-out stage is to carry out the leveling operation on the original user taken-position contract, and the transfer-in stage is to carry out the opening operation of the next period contract. Account items broad category: the existing guest account objects are divided into three types of account energy, account basic metal and account agricultural objects. Account item: setting BRT crude oil and WTI crude oil under account energy; setting account copper under the basic metal of the account; account soybeans are arranged under account agricultural products. Each item provides a multi-currency transaction. The trading contract provides the most active current month and next month contracts on the market for the account goods to trade, and when the current month contract is expired, the settlement is carried out according to the market settlement price. The next month contract becomes the current month contract, and the subsequent contracts become the next month contracts.
In the further embodiment, a transitional transaction stage is determined to be a transitional transaction transition stage according to transaction data, a transitional transaction transition preference model is obtained, a user information component is called based on a transaction request, comparison between user star level information and preference information corresponding to private user level information is executed, and a high-level-of-high; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the lower value as a third result; and multiplying the third result by 2, adding the transitional discount information, comparing the transitional discount information with the upper limit of the transitional discount information point difference, and taking the lower value as the total discount information.
It should be noted that the large amount benefit information refers to benefit information that the transaction data has when reaching a preset large amount threshold. The channel preference information refers to transaction channel preference information used by the user, for example, the user enjoys mobile phone channel preference information when using mobile phone banking channel transaction, and the internet bank enjoys internet banking channel preference information. The common transaction preferential point difference upper limit is the common transaction which is called as the common transaction by the conventional single-stroke open-level transaction of the user, and the preferential upper limit point difference value enjoyed by the common transaction is set according to the article. The account article high-quality user grade preferential information refers to preferential information corresponding to user grade which is set by taking an article as a dimension.
The forward discount information refers to the discount information of the forward transaction. The term of the forward discount information point difference upper limit refers to the discount upper limit point difference value of the forward trade enjoyment set according to the article.
As another further embodiment, the transfer transaction stage is determined to be a transfer transaction transfer stage according to the transaction data, and the transfer transaction transfer stage is acquired and transferred to the preferential information model. And calling a user information component based on the transaction request to obtain the transfer transaction transfer-in discount information and the transfer discount information point difference upper limit so as to calculate the total discount information based on the transfer transaction transfer-in discount information model. That is to say, the forward trade forward offer information is compared with the forward offer information point difference upper limit, and the high value of the time is the forward stage offer final result, i.e. the total offer information.
It is worth to be noted that there may be a scenario in which the delivery price is raised and the delivery fails due to the fact that the delivery transaction is delivered after the offer is superimposed, for example: when the user makes an empty purchase, the preferential price is higher than the market price. Therefore, the user star-level information, the private user level information, the high-quality user level and the channel preference information of the transit transaction are overlapped in the transit-out stage, namely, the user star-level information, the private user level information, the high-quality user level and the channel preference information are enjoyed in the transit-out stage only aiming at the transit-out transaction, and further the situation that the transit-out transaction fails because the user cannot make a deal due to the fact that the transit-in preference is carried out in the transit-out stage is avoided.
In other embodiments, if the transaction type is a common transaction type, calling a user information component based on a transaction request according to an obtained common transaction benefit model, executing preference comparison between user star level information and private user level information, and taking a high value as a first result; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; and comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the high or low value as the total discount information. Preferably, the general offer information of the common transaction is calculated by calling the public letter Pub _ gettotaltcounterpoints.
The user star level information is user star level information defined privately. The information of the level of the private user is the user level determined by the private user according to the AUM value (asset management scale, which is an index for measuring the scale of asset management business of a financial institution and is the total market value of the current management user asset of the institution). The premium user rating is a user rating defined by the trading center for the MCTS premium user. The large amount preferential information is preferential according to the transaction amount of the user. The common transactions are opening and closing type transactions conducted by users.
It is also worth explaining that the user star level information and the private user level information can be obtained by calling the public official letter Pub _ GetCust L evel, the user star level information privilege, the private user level information privilege and the channel privilege information are obtained by calling the public official letter Pub _ GetBankSpreadParam, and the privilege point difference upper limit (such as the common transaction privilege point difference upper limit and the transit privilege point difference upper limit) is obtained by calling the public official letter Pub _ GetSysPaam.
As an embodiment, the invention can modify the module for generating the user transaction price of the back-end transaction function part, and can obtain the total preferential information according to the transaction processing method, thereby calculating the user transaction price. Specifically, at the time of real-time transaction (MCT030100), entrusted transaction (MCT030200) or bidirectional entrusted transaction (MCT030300), total offer information is acquired and then a transaction price is calculated. For example: the user opens a plurality of bins or empties: the trading price is the market purchase price-total preference information, and the trading price is the market sale price + total preference information.
In the preferred embodiment, the transaction price is calculated by calling the public official letter entry _ entry matchbyentry id, and the common official letter Pub _ gettotalt noncountpoints is called to calculate the general transaction total benefit information.
As an embodiment of the invention, risk authorization control is set for each parameter in the user information component, when the user information component is called based on a transaction request, the parameter of the user information component to be called is determined, and total preferential information is obtained by authorization of a target object and calculation according to the parameter of the user information component. Further, the parameters of the user information component to be called are determined, and an authorization request is sent to the target object to obtain authorization. The specific embodiment comprises the following steps:
the premium user level is preferential to set four levels (for example, 01-04 is gradually increased), and the head office maintains the corresponding premium user level of the user according to the service contribution degree of the user. In addition, the new adding, deleting, modifying and inquiring functions are set for the high-quality user level preferential point difference parameters, and authority information is set for all the parameters, for example, the new adding, deleting, modifying and inquiring functions need to be executed by the authorization of a superior supervisor.
In addition, the maintenance user star-level information preferential point difference parameter sets the functions of adding, deleting, modifying and inquiring, and sets authority information, for example, the functions of adding, deleting, modifying and inquiring need to be executed by the authorization of a superior supervisor. The user level preferential point difference parameters of the maintenance private (private bank) are set with the functions of adding, deleting, modifying and inquiring, and all set with authority information, for example, the functions of adding, deleting, modifying and inquiring need to be executed by the authorization of the superior supervisor. The transaction channel preferential information point difference parameters are maintained to set the functions of adding, deleting, modifying and inquiring, and authority information is set, for example, the functions of adding, deleting, modifying and inquiring need to be executed by authorization of a superior supervisor. Maintaining the preferential point difference upper limit parameters of the ordinary transaction and the transit transaction, setting the functions of adding, deleting, modifying and inquiring, and setting authority information, for example, the functions of adding, deleting, modifying and inquiring need to be executed by the authorization of a superior supervisor. And maintaining the large-amount discount information and the forward discount information, and adding risk authorization control.
It should be noted that the user star level information and the private user level information are both stored in the user information component, and in order to avoid transaction pressure on the user information component, a preset time (for example, one day) is set to synchronize the user star level information and the private user level information once. Further, the user star level information and the private user level information are updated in batch processing at the end of day during synchronization (because the star level information and the private user level information change along with transaction). In addition, the signing inquiry function of the back-end user can be modified when logging in, the user information component service is added and called to obtain the user star-level information and the private user level information data and the data are stored in the back-end database,
as another embodiment of the present invention, various types of transaction offer query function interfaces are provided, and corresponding total offer information can be obtained through the various types of transaction offer query function interfaces. Further, the transaction discount inquiry function interface comprises a common transaction discount inquiry function interface, a forward transaction discount inquiry function interface and an available warehouse volume inquiry function interface. The common transaction discount inquiry function interface sets user account and channel code parameters, and the back end calculates and returns total discount information of common transactions. The forward transaction preferential query function interface sets user account and channel code parameters, and the back end calculates and returns the total preferential information of the forward transaction. The warehouse opening amount inquiry function interface is provided with channel code parameters, and the back end returns the maximum warehouse opening amount after calculating the preferential according to the user available deposit.
Therefore, the transaction processing method integrates the large-amount discount information and the forward transaction discount parameter maintenance function, and provides a complete discount parameter management function. And moreover, a high-quality user level privilege function is added, and user star level information and private user level information privilege are added. And simultaneously, changing a user preference query function interface, adding associated preference dimension information during channel side query, and displaying returned preference information. And adding transaction channel preference information and displaying change preference display information by a channel party. In addition, risk control of preference parameters is added.
Fig. 2 is a schematic diagram of a main flow of a transaction processing method according to a second embodiment of the present invention, as shown in fig. 2, the transaction processing method includes:
step S201, receiving a transaction request to analyze the transaction request and identify a transaction type.
Step S202, determining that the transaction type is a transit transaction, and determining whether the transit transaction stage is a transit stage, if so, performing step S203, otherwise, performing step S205.
Step S203, obtaining a transfer-out discount model of the transfer transaction.
Step S204, calling a user information component based on the transaction request, executing preferential information comparison respectively corresponding to user star level information and private user level information, and taking a high value as a first result; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the lower value as a third result; and multiplying the third result by 2, adding the forward discount information, comparing the forward discount information with the forward discount information point difference upper limit, taking the high or low value as the total discount information, and then performing step S207.
And step S205, acquiring a transfer transaction transfer-to-preferential information model.
Step S206, calling a user information component based on the transaction request, executing transition transaction transition preference information and point difference upper limit comparison of the transition preference information, taking the high value as total preference information, and then performing step S207.
And step S207, returning the total preference information.
Fig. 3 is a schematic diagram of a main flow of a transaction processing method according to a third embodiment of the present invention, as shown in fig. 3, the transaction processing method includes:
step S301, receiving a transaction request to analyze the transaction request and identify the transaction type.
Step S302, determining the transaction type as a transfer transaction.
Step S303, obtaining a common transaction preference model.
Step S304, calling a user information component based on the transaction request, executing preferential information comparison respectively corresponding to user star level information and private user level information, and taking a high value as a first result; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; and comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the high or low value as the total discount information.
In summary, the transaction processing method of the present invention realizes the multi-dimensional privilege parameter setting of the transaction amount, the transaction channel, and the transaction type, and the special privilege setting aiming at the high-quality user level, the user star level information, and the private user level information of the user. Models of obtaining high or low and superposition calculation are flexibly configured between groups and between groups. And the preferential parameter maintains and adds the authorization control risk, namely the risk is controlled according to the preferential upper limit in the use of the parameter. Meanwhile, the service is more flexibly and favorably configured, and can be accurately marketed for high-quality users.
Fig. 4 is a schematic diagram of main modules of a transaction processing device according to an embodiment of the present invention, and as shown in fig. 4, the transaction processing device 400 includes a receiving module 401 and a processing module 402. The receiving module 401 receives a transaction request to parse the transaction request and identify a transaction type; the processing module 402 obtains a transaction discount model corresponding to the transaction type, calls a user information component based on the transaction request, calculates to obtain total discount information and returns the total discount information; and if the transaction type is a transfer transaction, acquiring transaction data to determine a transfer transaction stage, and further acquiring a corresponding transaction preference model according to the transfer transaction stage.
In some embodiments, the processing module 402 obtains the transaction data to determine a transition transaction stage, and then obtains a corresponding transaction offer model according to the transition transaction stage, including:
determining that the transfer transaction stage is a transfer transaction transfer stage according to the transaction data, and acquiring a transfer transaction transfer discount model;
calling a user information component based on the transaction request, and executing preferential information comparison respectively corresponding to the user star-level information and the private user grade information, wherein a high value is a first result; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the lower value as a third result; and multiplying the third result by 2, adding the transitional discount information, comparing the transitional discount information with the upper limit of the transitional discount information point difference, and taking the lower value as the total discount information.
In some embodiments, the processing module 402 obtains the transaction data to determine a transition transaction stage, and then obtains a corresponding transaction offer model according to the transition transaction stage, including:
determining that the transfer transaction stage is a transfer transaction transfer stage according to the transaction data, and acquiring a transfer transaction transfer preference information model;
and calling a user information component based on the transaction request to obtain the transfer transaction transfer-in discount information and the transfer discount information point difference upper limit so as to calculate the total discount information based on the transfer transaction transfer-in discount information model.
In some embodiments, the processing module 402 is further configured to:
if the transaction type is a common transaction type, calling a user information component based on a transaction request according to the obtained common transaction preferential model, executing preferential information comparison between user star-level information and preferential information respectively corresponding to private user grade information, and taking a high value as a first result; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; and comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the high or low value as the total discount information.
In some embodiments, the processing module 402 is further configured to:
the user star level information and the private user level information are both stored in a user information component, and preset time synchronization primary user star level information and private user level information are set.
In some embodiments, the processing module 402 is further configured to:
setting risk authorization control for each parameter in the user information component;
when the user information component is called based on the transaction request, the parameters of the user information component to be called are determined, and total preferential information is obtained through authorization of the target object and calculation according to the parameters of the user information component.
In some embodiments, the processing module 402 is further configured to:
and providing a transaction preference inquiry function interface based on types so as to obtain corresponding total preference information through the transaction preference inquiry function interface.
It should be noted that the transaction processing method and the transaction processing apparatus of the present invention have corresponding relation in the specific implementation contents, and therefore, the repeated contents are not described again.
Fig. 5 illustrates an exemplary system architecture 500 of a transaction processing method or transaction processing device to which embodiments of the invention may be applied.
As shown in fig. 5, the system architecture 500 may include terminal devices 501, 502, 503, a network 504, and a server 505. The network 504 serves to provide a medium for communication links between the terminal devices 501, 502, 503 and the server 505. Network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The user may use the terminal devices 501, 502, 503 to interact with a server 505 over a network 504 to receive or send messages or the like. The terminal devices 501, 502, 503 may have various communication client applications installed thereon, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (for example only).
The terminal devices 501, 502, 503 may be various electronic devices having transaction processing screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 505 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 501, 502, 503. The background management server may analyze and otherwise process data such as the received item information query request, and feed back a processing result (for example, target push information, item information — just an example) to the terminal device.
It should be noted that the transaction processing method provided by the embodiment of the present invention is generally executed by the server 505, and accordingly, the computing device is generally disposed in the server 505.
It should be understood that the number of terminal devices, networks, and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 6, a block diagram of a computer system 600 suitable for use with a terminal device implementing an embodiment of the invention is shown. The terminal device shown in fig. 6 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 603. In the RAM603, various programs and data necessary for the operation of the computer system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
To the I/O interface 605, AN input section 606 including a keyboard, a mouse, and the like, AN output section 607 including a network interface card such as a Cathode Ray Tube (CRT), a liquid crystal transaction processor (L CD), and the like, a speaker, and the like, a storage section 608 including a hard disk, and the like, and a communication section 609 including a network interface card such as a L AN card, a modem, and the like, the communication section 609 performs communication processing via a network such as the internet, a drive 610 is also connected to the I/O interface 605 as necessary, a removable medium 611 such as a magnetic disk, AN optical disk, a magneto-optical disk, a semiconductor memory, and the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted into the storage section 608 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program article comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program executes the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 801.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program articles according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a receiving module and a processing module. Wherein the names of the modules do not in some cases constitute a limitation of the module itself.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carrying one or more programs which, when executed by a device, cause the device to include receiving a transaction request, parsing the transaction request to identify a transaction type; acquiring a transaction discount model corresponding to the transaction type, calling a user information component based on a transaction request, calculating to obtain total discount information and returning the total discount information; and if the transaction type is a transfer transaction, acquiring transaction data to determine a transfer transaction stage, and further acquiring a corresponding transaction preference model according to the transfer transaction stage.
According to the technical scheme of the embodiment of the invention, the problems of inflexible preferential configuration and insufficient wind control in the prior art can be solved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A transaction processing method, comprising:
receiving a transaction request to analyze the transaction request and identify a transaction type;
acquiring a transaction discount model corresponding to the transaction type, calling a user information component based on a transaction request, calculating to obtain total discount information and returning the total discount information; and if the transaction type is a transfer transaction, acquiring transaction data to determine a transfer transaction stage, and further acquiring a corresponding transaction preference model according to the transfer transaction stage.
2. The method of claim 1, wherein obtaining transaction data to determine a staging transaction stage and obtaining a corresponding transaction offer model according to the staging transaction stage comprises:
determining that the transfer transaction stage is a transfer transaction transfer stage according to the transaction data, and acquiring a transfer transaction transfer discount model;
calling a user information component based on the transaction request, and executing preferential information comparison respectively corresponding to the user star-level information and the private user grade information, wherein a high value is a first result; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the lower value as a third result; and multiplying the third result by 2, adding the transitional discount information, comparing the transitional discount information with the upper limit of the transitional discount information point difference, and taking the lower value as the total discount information.
3. The method of claim 1, wherein obtaining transaction data to determine a staging transaction stage and obtaining a corresponding transaction offer model according to the staging transaction stage comprises:
determining that the transfer transaction stage is a transfer transaction transfer stage according to the transaction data, and acquiring a transfer transaction transfer preference information model;
and calling a user information component based on the transaction request to obtain the transfer transaction transfer-in discount information and the transfer discount information point difference upper limit so as to calculate the total discount information based on the transfer transaction transfer-in discount information model.
4. The method of claim 1, further comprising:
if the transaction type is a common transaction type, calling a user information component based on a transaction request according to the obtained common transaction preferential model, executing preferential information comparison between user star-level information and preferential information respectively corresponding to private user grade information, and taking a high value as a first result; comparing the high-quality user grade preferential information of the account object with the first result, and taking the high value as a second result; and comparing the sum of the large amount discount information, the channel discount information and the second result with the upper limit of the common trade discount point difference, and taking the high or low value as the total discount information.
5. The method of claim 2 or 4, further comprising:
the user star level information and the private user level information are both stored in a user information component, and preset time synchronization primary user star level information and private user level information are set.
6. The method of claim 1, further comprising:
setting risk authorization control for each parameter in the user information component;
when the user information component is called based on the transaction request, the parameters of the user information component to be called are determined, and total preferential information is obtained through authorization of the target object and calculation according to the parameters of the user information component.
7. The method of claim 1, further comprising:
and providing a transaction preference inquiry function interface based on types so as to obtain corresponding total preference information through the transaction preference inquiry function interface.
8. A transaction processing device, comprising:
the receiving module is used for receiving the transaction request so as to analyze the transaction request and identify the transaction type;
the processing module is used for acquiring a transaction discount model corresponding to the transaction type, calling a user information component based on the transaction request, calculating to obtain total discount information and returning the total discount information; and if the transaction type is a transfer transaction, acquiring transaction data to determine a transfer transaction stage, and further acquiring a corresponding transaction preference model according to the transfer transaction stage.
9. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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| CN109583973A (en) * | 2018-12-20 | 2019-04-05 | 中国银行股份有限公司 | A kind of calculation method and device of expense preference |
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| US20080294555A1 (en) * | 2007-05-21 | 2008-11-27 | Hubert F-J Bromma | Data network-implemented tax advantaged account transaction and reconciliation |
| CN101330500A (en) * | 2007-06-18 | 2008-12-24 | 中兴通讯股份有限公司 | Control method for accessing authority of equipment management |
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