CN111967962B - Financial transaction processing method and device - Google Patents
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Abstract
The invention discloses a processing method and a processing device of financial transactions, wherein the method comprises the following steps: preprocessing a received transaction message, and determining transaction data to be processed in the transaction message; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account; processing transaction data to be processed according to a preset transaction processing program; the method comprises the step of carrying out the amount increasing and decreasing processing on the transaction related account according to the amount increasing and decreasing data of the transaction related account. The invention determines the transaction data to be processed from the transaction message through preprocessing, and further processes the transaction data through the preset transaction processing program, so that the universal processing of different financial transactions is realized, the invention is applicable to different financial transaction requests, compared with the prior art, the independent program setting for different financial transactions is not needed, the problems of complex program codes and high code redundancy are avoided, and the development cost for processing the financial transactions is reduced.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method and an apparatus for processing financial transactions.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
In the prior art, the processing logic is distributed, and a program is required to be set for each financial transaction independently, so that the code is complex and the code redundancy is high, and the development cost for processing the financial transaction is high. For example, the financial transaction can be classified into deposit, withdrawal and transfer, and for the three types of financial transactions, at least three programs are required to be set for developing a transaction system according to different transaction scenes, but basically, the three types of modes have similar points, and the redundancy of program codes is higher.
Disclosure of Invention
The embodiment of the invention provides a processing method of financial transactions, which is used for reducing development cost of processing the financial transactions, and comprises the following steps:
preprocessing a received transaction message, and determining transaction data to be processed in the transaction message; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account;
processing transaction data to be processed according to a preset transaction processing program; the method comprises the step of carrying out the amount increasing and decreasing processing on the transaction related account according to the amount increasing and decreasing data of the transaction related account.
The embodiment of the invention also provides a processing device for financial transaction, which is used for reducing the development cost for processing the financial transaction, and comprises the following steps:
the transaction data processing module is used for preprocessing the received transaction message and determining the transaction data to be processed in the transaction message; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account;
the sub-arrangement processing module is used for processing the transaction data to be processed according to a preset transaction processing program; the method comprises the step of carrying out the amount increasing and decreasing processing on the transaction related account according to the amount increasing and decreasing data of the transaction related account.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the processing method of the financial transaction when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium storing a computer program for executing the processing method of financial transaction.
In the embodiment of the invention, the received transaction message is preprocessed, and the transaction data to be processed in the transaction message is determined; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account; processing transaction data to be processed according to a preset transaction processing program; the method comprises the steps of increasing and decreasing the amount of money according to the amount increasing and decreasing data of the transaction related account, and increasing and decreasing the amount of money of the transaction related account, so that transaction data needing to be processed are determined from a transaction message through preprocessing, and further the transaction data are processed through a preset transaction processing program, so that the general processing of different financial transactions is realized, the method is applicable to different financial transaction requests, compared with the prior art, the method does not need to independently set programs for different financial transactions, the problems of complex program codes and high code redundancy are avoided, and the development cost for processing the financial transactions is reduced.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a flow chart of a method for processing a financial transaction according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating an example of a method for processing a financial transaction according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating an example of a method for processing a financial transaction according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a processing device for financial transactions according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an example of a processing device for financial transactions according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
An embodiment of the present invention provides a method for processing a financial transaction, configured to reduce development cost for processing the financial transaction, as shown in fig. 1, the method includes:
step 101: preprocessing a received transaction message, and determining transaction data to be processed in the transaction message; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account;
step 102: processing transaction data to be processed according to a preset transaction processing program; the method comprises the step of carrying out the amount increasing and decreasing processing on the transaction related account according to the amount increasing and decreasing data of the transaction related account.
In the embodiment of the invention, the received transaction message is preprocessed, and the transaction data to be processed in the transaction message is determined; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account; processing transaction data to be processed according to a preset transaction processing program; the method comprises the steps of increasing and decreasing the amount of money according to the amount increasing and decreasing data of the transaction related account, and increasing and decreasing the amount of money of the transaction related account, so that transaction data needing to be processed are determined from a transaction message through preprocessing, and further the transaction data are processed through a preset transaction processing program, so that the general processing of different financial transactions is realized, the method is applicable to different financial transaction requests, compared with the prior art, the method does not need to independently set programs for different financial transactions, the problems of complex program codes and high code redundancy are avoided, and the development cost for processing the financial transactions is reduced.
In specific implementation, preprocessing a received transaction message, and determining transaction data to be processed in the transaction message may include: when the type of the received transaction message is deposit transaction, determining the amount related to the transaction to be transferred into an account and the transfer amount; when the type of the received transaction message is a withdrawal transaction, determining an amount related to the transaction to be transferred out of an account and the transferred out amount; and when the type of the received transaction message is a transfer transaction, determining that the amount related to the transaction is transferred out of the account, and the transferred-out amount, the amount transferred into the account and the transferred-in amount.
In embodiments, financial transactions may include transactions such as deposit (saving money at a bank), withdrawal (withdrawing money from a bank), transfer (transferring money from one account to another), and the like. The receive transaction message may include a message to receive a deposit transaction, a message to receive a withdrawal transaction, and a message to receive a transfer transaction. For example, for a cash deposit transaction, which includes a cash deposit, the banking system records information such as the amount of the deposit, the time place of the deposit, the remark of the deposit, the amount of the customer account, etc. In an embodiment, the transaction data to be processed may include an amount related to the transaction transferred out of the account, an amount transferred into the account and an amount transferred in according to different types of financial transactions. For example, three kinds of services such as deposit, withdrawal and transfer are currently handled by banking systems, wherein the deposit and withdrawal services each relate to the following information: such as transaction amount, transaction account number, transaction running water, etc.; the transfer service involves the following information: transaction amount, outgoing account number, outgoing line, transaction amount, incoming account number, incoming line, etc.
In an embodiment, preprocessing a received transaction message, and determining transaction data to be processed in the transaction message may include: firstly, determining the type of a received transaction message, and determining transaction data to be processed according to the type of the received transaction message. When the type of the received transaction message is deposit transaction, determining the amount related to the transaction to be transferred into an account and the transfer amount; when the type of the received transaction message is a withdrawal transaction, determining an amount related to the transaction to be transferred out of an account and the transferred out amount; and when the type of the received transaction message is a transfer transaction, determining that the amount related to the transaction is transferred out of the account, and the transferred-out amount, the amount transferred into the account and the transferred-in amount. In an embodiment, preprocessing the received transaction message may further include: and determining transaction running water to be recorded according to the type of the received transaction message.
In specific implementation, the method for processing financial transactions provided by the embodiment of the invention may further include: and presetting a transaction processing program, wherein the transaction processing program is used for processing the transaction data to be processed.
In an embodiment, the preset transaction processing program may include: firstly, business combing can be carried out on financial transactions, and data to be processed of different types of transactions are determined; secondly, aiming at analysis of the prior art of a banking system, such as logic of a carding transaction, the processing process of the banking system on different transaction data is determined; and setting a transaction processing program according to the data to be processed for different types of transactions and the processing procedures of the bank system on different transaction data. The transaction processing program may include a plurality of programs such as a check-in program, a check-out program, a transaction flow recording program, an accounting code processing program, a tax calculation program, and the like. The account checking program can be used for carrying out the account amount increasing processing according to the account amount increasing data related to the transaction; the account issuing program can be used for carrying out the amount reduction processing on the account according to the amount reduction data of the account related to the transaction; the transaction flow recording program can be used for recording transaction flow data; the accounting code processing program can be used for processing accounting codes of accounts related to the transaction after processing data required to be processed by the transaction; the tax calculation program can be used for determining account balance according to the change of the amount of the account related to the transaction after processing the data required to be processed by the transaction; and recalculating interest and interest tax of the account related to the transaction according to the determined account balance.
For example, the preset transaction processing program may be named as shown in table 1. Table 1 is a table of the technical fields in which different transaction processing programs are located and the functions corresponding to the different transaction processing programs.
TABLE 1
In the above embodiment, as shown in fig. 2, the transaction processing program may be used to: (1) processing the account balance: processing the balance change of the account according to the transaction amount; (2) processing account accounting code: when the account balance is changed from positive to negative or from negative to positive, the account accounting code of the account needs to be changed, so that general account statistics is facilitated; (3) interest recalculation: when the balance of the account is changed, recalculating interest is needed; (4) tax recalculation: because of interest changes, the corresponding interest tax also needs to be recalculated; (5) recording transaction flow: recording the running details of account transactions, including transaction amount, remark information, account information and the like; (6) recording account non-login information: the scene is recorded when the account supports the passbook, and the recorded information is used for printing the passbook; (7) updating the periodic main sub account relationship: this scenario is where the relationship needs to be updated when a periodic sub-account is opened.
In the above embodiment, the processing flows of different financial transactions are integrated by setting the transaction processing program, so that unification of financial transaction processing logic in the prior art is realized, different transactions are processed by the unification logic, and the system development and maintenance cost is greatly reduced.
In specific implementation, the method for processing financial transactions provided by the embodiment of the invention may further include: the transaction processing program is preset as follows: presetting an account setting program, wherein the account setting program is used for carrying out amount increasing processing on accounts according to amount increasing data of accounts related to transactions; and presetting an account issuing program, wherein the account issuing program is used for carrying out amount reduction processing on an account according to the amount reduction data of the account related to the transaction.
In an embodiment, a posting procedure is preset, wherein the posting procedure is used for carrying out the amount increasing processing on an account according to the amount increasing data of the account related to the transaction; and presetting an account issuing program, wherein the account issuing program is used for carrying out account amount reduction processing on the account according to the account amount reduction data related to the transaction.
For example, the check-in procedure may be set as shown in table 2:
TABLE 2
In an embodiment, the posting program may be a program that handles transaction common logic. The inventors found that: different types of transactions, for a bank account, can be categorized into an increase in the bank account amount (posting) and a decrease in the amount (posting). Any financial transaction consists of two operations of checking in and checking out, except that the number of accounts involved is one or more.
In the above embodiment, for any one transaction, an accounting program and an accounting program may be designed for performing an amount increasing/decreasing process on the transaction related account according to the amount increasing/decreasing data of the transaction related account.
For example, if the user a deposits one hundred RMB, the accounting program in the transaction processing program increases the account amount of the user a by one hundred RMB; if the user B takes out one hundred RMB, the account amount of the user B is reduced by one hundred RMB by an account entering program in the transaction processing program; if the user C transfers to the user D one hundred RMB, the accounting program in the transaction processing program is used for reducing the account amount of the user C by one hundred RMB, and the accounting program is used for increasing the account amount of the user D by one hundred RMB.
In specific implementation, the preset transaction processing program may include: the transaction flow recording program is used for recording transaction flow data; according to a preset transaction processing program, the processing of the transaction data to be processed may further include: after the transaction involves the account to increase and decrease the processing of the amount of money, record the transaction flow data; the transaction flow data includes amount increase and decrease data for an account involved in the transaction.
In an embodiment, the preset transaction processing program may include: the transaction flow record program can help staff to quickly acquire transaction related information by recording transaction flow when processing financial transactions, and is beneficial to checking transaction information.
In specific implementation, the preset transaction processing program may include: an accounting code processing program for processing accounting codes of the transaction related accounts; according to a preset transaction processing program, the processing of the transaction data to be processed may further include: after the transaction-related account is subjected to the amount increasing/decreasing process, the accounting code of the transaction-related account is processed. In an embodiment, when the account balance is changed from positive to negative or from negative to positive during the financial transaction, the account accounting code of the account needs to be changed, so that general account statistics is facilitated.
In specific implementation, the preset transaction processing program may include: the tax calculation program is used for determining account balance according to the change of the amount of the account related to the transaction; recalculating interest and interest tax of the account related to the transaction according to the determined account balance; according to a preset transaction processing program, the processing of the transaction data to be processed may further include: after the transaction involves the account to increase and decrease the amount, confirm the account balance; and recalculating interest and interest tax of the account related to the transaction according to the determined account balance.
In an embodiment, when a financial transaction is processed, interest needs to be recalculated due to balance change; because of interest changes, the corresponding interest tax also needs to be recalculated.
In specific implementation, the preset transaction processing program may include: the account non-login information recording module is used for determining account balance according to the amount increase and decrease data of the account related to the transaction when the account supports the configuration deposit book; determining account non-login information according to the account balance; according to a preset transaction processing program, the processing of the transaction data to be processed may further include: determining account balance according to the amount increase and decrease data of the account related to the transaction; and determining the account non-login information according to the account balance.
In an embodiment, when the account supports the passbook, according to the determined account balance; according to the account balance, determining the account non-login information, which can be used for facilitating the use of the determined account non-login information when the account supports the passbook during printing of the passbook.
In specific implementation, the preset transaction processing program may include: a main sub-account updating module for updating a main account or sub-account corresponding to the transaction related account; according to a preset transaction processing program, the processing of the transaction data to be processed may further include: after the transaction related account is subjected to the amount increasing/decreasing process, the main account or the sub-account corresponding to the transaction related account is synchronously updated.
In the embodiment, after the transaction related account is subjected to the amount increasing and decreasing process, the main account or the sub account corresponding to the transaction related account is synchronously updated, so that the transaction data can be synchronously updated.
As an example, as shown in fig. 3, fig. 3 is a flowchart illustrating an example of a processing method of a financial transaction according to an embodiment of the present invention. In fig. 3, the steps are as follows:
step one: uploading preprocessing of financial transaction data; preprocessing a received transaction message, and determining transaction data to be processed in the transaction message; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account;
step two: processing financial transaction upload data according to the sub-arrangement; in an embodiment, the transaction processing program may include a sub-orchestration for sequentially executing program logic according to parameters configured by the database; transaction data to be processed may include financial transaction upload data;
step three: after the transaction is completed, updating data such as the amount of the account related to the transaction;
step four: and returning the processing result of processing the transaction data to be processed to the client through the transaction message, for example, returning the transaction increase and decrease data to the client through the transaction message.
In the embodiment of the invention, the received transaction message is preprocessed, and the transaction data to be processed in the transaction message is determined; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account; processing transaction data to be processed according to a preset transaction processing program; the method comprises the steps of increasing and decreasing the amount of money according to the amount increasing and decreasing data of the transaction related account, and increasing and decreasing the amount of money of the transaction related account, so that transaction data needing to be processed are determined from a transaction message through preprocessing, and further the transaction data are processed through a preset transaction processing program, so that the general processing of different financial transactions is realized, the method is applicable to different financial transaction requests, compared with the prior art, the method does not need to independently set programs for different financial transactions, the problems of complex program codes and high code redundancy are avoided, and the development cost for processing the financial transactions is reduced.
The embodiment of the invention also provides a processing device for financial transactions, as described in the following embodiment. Because the principle of the device for solving the problem is similar to that of the financial transaction, the implementation of the device can refer to the implementation of the financial transaction processing method, and the repetition is omitted.
The embodiment of the invention also provides a processing device for financial transactions, which is used for reducing the development cost for processing the financial transactions, as shown in fig. 4, and the device can comprise:
the data determining module 01 is used for preprocessing a received transaction message and determining transaction data to be processed in the transaction message; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account;
the data processing module 02 is used for processing the transaction data to be processed according to a preset transaction processing program; the method comprises the step of carrying out the amount increasing and decreasing processing on the transaction related account according to the amount increasing and decreasing data of the transaction related account.
In one embodiment, the data determination module for which the transaction needs to be processed may be specifically configured to: when the type of the received transaction message is deposit transaction, determining the amount related to the transaction to be transferred into an account and the transfer amount; when the type of the received transaction message is a withdrawal transaction, determining an amount related to the transaction to be transferred out of an account and the transferred out amount; and when the type of the received transaction message is a transfer transaction, determining that the amount related to the transaction is transferred out of the account, and the transferred-out amount, the amount transferred into the account and the transferred-in amount.
In one embodiment, the processing device for financial transactions provided in the embodiment of the present invention may further include: a transaction processing program preset module, configured to: the transaction processing program is preset as follows: presetting an account setting program, wherein the account setting program is used for carrying out amount increasing processing on accounts according to amount increasing data of accounts related to transactions; and presetting an account issuing program, wherein the account issuing program is used for carrying out amount reduction processing on an account according to the amount reduction data of the account related to the transaction.
In one embodiment, the pre-configured transaction processing program may include: the transaction flow recording program can be used for recording transaction flow data; the data processing module is further operable to: after the transaction involves the account to increase and decrease the processing of the amount of money, record the transaction flow data; the transaction flow data includes amount increase and decrease data for an account involved in the transaction.
In one embodiment, the pre-configured transaction processing program may include: an accounting code processing program operable to process accounting codes for transactions involving accounts; the data processing module is further operable to: after the transaction-related account is subjected to the amount increasing/decreasing process, the accounting code of the transaction-related account is processed.
In one embodiment, the pre-configured transaction processing program may include: the tax calculation program is used for determining account balance according to the change of the amount of the account related to the transaction; recalculating interest and interest tax of the account related to the transaction according to the determined account balance; the data processing module is further operable to: after the transaction involves the account to increase and decrease the amount, confirm the account balance; and recalculating interest and interest tax of the account related to the transaction according to the determined account balance.
In one embodiment, the pre-configured transaction processing program may include: the account non-login information recording module is used for determining account balance according to the amount increase and decrease data of the account related to the transaction when the account supports the configuration deposit book; determining account non-login information according to the account balance; the data processing module is further operable to: determining account balance according to the amount increase and decrease data of the account related to the transaction; and determining the account non-login information according to the account balance.
In one embodiment, the pre-configured transaction processing program may include: a main sub-account updating module for updating a main account or sub-account corresponding to the transaction related account; the data processing module is further operable to: after the transaction related account is subjected to the amount increasing/decreasing process, the main account or the sub-account corresponding to the transaction related account is synchronously updated.
As an example, as shown in fig. 5, fig. 5 is a schematic structural diagram of an example of a processing device for financial transactions according to an embodiment of the present invention. In fig. 5, the data determining module for processing the transaction may include a data message processing module for preprocessing a received transaction message to determine transaction data to be processed in the transaction message; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account; the data processing module can comprise a sub-arranging financial transaction processing module for processing transaction data to be processed according to a preset transaction processing program; the method comprises the steps of increasing and decreasing the amount of the transaction related account according to the amount increasing and decreasing data of the transaction related account; the main sub-account updating module may include a data updating module for synchronously updating the main account or sub-account corresponding to the transaction related account after the transaction related account is subjected to the amount increasing/decreasing process.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the processing method of the financial transaction when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium storing a computer program for executing the processing method of financial transaction.
In the embodiment of the invention, the received transaction message is preprocessed, and the transaction data to be processed in the transaction message is determined; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account; processing transaction data to be processed according to a preset transaction processing program; the method comprises the steps of increasing and decreasing the amount of money according to the amount increasing and decreasing data of the transaction related account, and increasing and decreasing the amount of money of the transaction related account, so that transaction data needing to be processed are determined from a transaction message through preprocessing, and further the transaction data are processed through a preset transaction processing program, so that the general processing of different financial transactions is realized, the method is applicable to different financial transaction requests, compared with the prior art, the method does not need to independently set programs for different financial transactions, the problems of complex program codes and high code redundancy are avoided, and the development cost for processing the financial transactions is reduced.
As described above, the embodiment of the invention can integrate the financial transaction of deposit business into one through the preset transaction processing program, so that the business processing becomes clearer, the repeated development of the system is reduced, and the development and maintenance cost of the system is greatly reduced; aiming at new requirements and system maintenance, the method can be realized by only modifying a transaction processing program of financial transaction.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (6)
1. A method of processing a financial transaction, comprising:
preprocessing a received transaction message, and determining transaction data to be processed in the transaction message; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account;
processing transaction data to be processed according to a preset transaction processing program; the method comprises the steps of increasing and decreasing the amount of the transaction related account according to the amount increasing and decreasing data of the transaction related account;
further comprises: the transaction processing program is preset as follows: presetting an account setting program, wherein the account setting program is used for carrying out amount increasing processing on accounts according to amount increasing data of accounts related to transactions; presetting an account issuing program, wherein the account issuing program is used for carrying out amount reduction processing on accounts according to amount reduction data of accounts related to transactions;
the preset transaction processing program comprises the following steps: the transaction flow recording program is used for recording transaction flow data; according to a preset transaction processing program, processing the transaction data to be processed, and further comprising: after the transaction involves the account to increase and decrease the processing of the amount of money, record the transaction flow data; the transaction flow data comprises the amount increase and decrease data of accounts related to the transaction;
the preset transaction processing program comprises the following steps: an accounting code processing program for processing accounting codes of the transaction related accounts; according to a preset transaction processing program, processing the transaction data to be processed, and further comprising: after the transaction related account is subjected to the amount increasing and decreasing processing, the accounting code of the transaction related account is processed;
the preset transaction processing program comprises the following steps: the tax calculation program is used for determining account balance according to the change of the amount of the account related to the transaction; recalculating interest and interest tax of the account related to the transaction according to the determined account balance; according to a preset transaction processing program, processing the transaction data to be processed, and further comprising: after the transaction involves the account to increase and decrease the amount, confirm the account balance; and recalculating interest and interest tax of the account related to the transaction according to the determined account balance.
2. The method of claim 1, wherein preprocessing the received transaction message to determine transaction data to be processed in the transaction message comprises:
when the type of the received transaction message is deposit transaction, determining the amount related to the transaction to be transferred into an account and the transfer amount;
when the type of the received transaction message is a withdrawal transaction, determining an amount related to the transaction to be transferred out of an account and the transferred out amount;
and when the type of the received transaction message is a transfer transaction, determining that the amount related to the transaction is transferred out of the account, and the transferred-out amount, the amount transferred into the account and the transferred-in amount.
3. A financial transaction processing device, comprising:
the transaction data processing module is used for preprocessing the received transaction message and determining the transaction data to be processed in the transaction message; the transaction data to be processed comprise the amount increase and decrease data of the transaction related account;
the data processing module is used for processing the transaction data to be processed according to a preset transaction processing program; the method comprises the steps of increasing and decreasing the amount of the transaction related account according to the amount increasing and decreasing data of the transaction related account;
further comprises: the transaction processing program setting module is used for presetting a transaction processing program in the following way: presetting an account setting program, wherein the account setting program is used for carrying out amount increasing processing on accounts according to amount increasing data of accounts related to transactions; presetting an account issuing program, wherein the account issuing program is used for carrying out amount reduction processing on accounts according to amount reduction data of accounts related to transactions;
the preset transaction processing program comprises the following steps: the transaction flow recording program is used for recording transaction flow data; the data processing module is further used for: after the transaction involves the account to increase and decrease the processing of the amount of money, record the transaction flow data; the transaction flow data comprises the amount increase and decrease data of accounts related to the transaction;
the preset transaction processing program comprises the following steps: an accounting code processing program for processing accounting codes of the transaction related accounts; the data processing module is further used for: after the transaction related account is subjected to the amount increasing and decreasing processing, the accounting code of the transaction related account is processed;
the preset transaction processing program comprises the following steps: the tax calculation program is used for determining account balance according to the change of the amount of the account related to the transaction; recalculating interest and interest tax of the account related to the transaction according to the determined account balance; the data processing module is further used for: after the transaction involves the account to increase and decrease the amount, confirm the account balance; and recalculating interest and interest tax of the account related to the transaction according to the determined account balance.
4. The apparatus of claim 3, wherein the data determination module for which the transaction is to be processed is specifically configured to:
when the type of the received transaction message is deposit transaction, determining the amount related to the transaction to be transferred into an account and the transfer amount;
when the type of the received transaction message is a withdrawal transaction, determining an amount related to the transaction to be transferred out of an account and the transferred out amount;
and when the type of the received transaction message is a transfer transaction, determining that the amount related to the transaction is transferred out of the account, and the transferred-out amount, the amount transferred into the account and the transferred-in amount.
5. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 2 when executing the computer program.
6. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program executable by a computer to implement the method of any one of claims 1 to 2.
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