CN112017012A

CN112017012A - Transaction processing method, device, equipment and system

Info

Publication number: CN112017012A
Application number: CN202011114969.3A
Authority: CN
Inventors: 徐寅; 朱剑雄; 陈敏聪
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-10-19
Filing date: 2020-10-19
Publication date: 2020-12-01

Abstract

The embodiment of the specification provides a transaction processing method, a device, equipment and a system, wherein the method comprises the following steps: the transaction processing system receives a first transaction request sent by terminal equipment of a first user; wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant; determining whether the first user currently holds the target user rights of the target merchant or not according to the recorded information of the user rights stored in the block chain; if so, converting the rights and interests of the target user held by the first user to obtain conversion result information; and performing resource transfer processing according to the conversion result information and the resource transfer information included in the first transaction request so as to transfer the resource to the target merchant. The target user rights and interests are issued by the target merchants through resource injection, and reward processing is carried out by the transaction processing system based on transactions between the target merchants and the users so as to reward the target user rights and interests to the corresponding users.

Description

Transaction processing method, device, equipment and system

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a transaction processing method, apparatus, device, and system.

Background

With the continuous development of internet technology, mobile payment is more and more widely applied to various payment scenes. In order to maintain consumer groups, some merchants have introduced a one-time reward mechanism, that is, after a user consumes this time, a certain value of a paper-form consumption coupon is rewarded to the user, the user can provide the paper-form consumption coupon when consuming next time, and the amount of money to be paid by the user is determined after manual checking and calculation. And the consumption ticket can be used only once, and is not always rewarded when the consumption is next time, so that the user can be pulled only once, and the user cannot be pulled continuously. Therefore, in the one-time reward mechanism, both the user and the merchant need to participate in operations such as calculation and the like, the payment efficiency is low, and the effect is not obvious for enclosing stable consumer groups.

Disclosure of Invention

One or more embodiments of the present specification provide a transaction processing method applied to a transaction processing system. The method includes receiving a first transaction request sent by a terminal device of a first user. Wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant. The first transaction request includes resource transfer information. And determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest saved in the block chain. Wherein the target user interests are issued by the target merchant through resource injection. And performing reward processing by the transaction processing system based on the transaction between the target merchant and the user to reward the target user interest to the corresponding user. And the target user rights participate in resource transfer processing corresponding to the transaction between the target merchant and the user. And if so, converting the rights and interests of the target user held by the first user to obtain conversion result information. And performing the resource transfer processing according to the conversion result information and the resource transfer information to transfer the resources to the target merchant.

One or more embodiments of the present specification provide a transaction processing system. The system comprises a resource transfer subsystem, a redemption subsystem and a block chain subsystem. The resource transfer subsystem receives a first transaction request sent by a terminal device of a first user. A first redemption request is sent to a redemption subsystem based on the resource transfer information included with the first transaction request. Wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant. The redemption subsystem receives the first redemption request. And determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest saved in the block chain. And if so, converting the rights and interests of the target user held by the first user to obtain conversion result information. Wherein the target user interests are issued by the target merchant through resource injection. And performing reward processing by the transaction processing system based on the transaction between the target merchant and the user to reward the target user interest to the corresponding user. And the target user rights participate in resource transfer processing corresponding to the transaction between the target merchant and the user. And the resource transfer subsystem carries out resource transfer processing according to the conversion result information and the resource transfer information so as to transfer resources to the target merchant. And the block chain subsystem is used for storing the record information of the user rights and interests.

One or more embodiments of the present specification provide a transaction processing device. The device comprises a receiving module for receiving a first transaction request sent by a terminal device of a first user. Wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant. The first transaction request includes resource transfer information. The device also comprises a determining module for determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest stored in the block chain. Wherein the target user interests are issued by the target merchant through resource injection. And performing reward processing by the transaction processing system based on the transaction between the target merchant and the user to reward the target user interest to the corresponding user. And the target user rights participate in resource transfer processing corresponding to the transaction between the target merchant and the user. The device also comprises a conversion module, and if the determination result of the determination module is yes, the rights and interests of the target user held by the first user are converted to obtain conversion result information. The device also comprises a transfer module which carries out the resource transfer processing according to the conversion result information and the resource transfer information so as to transfer the resources to the target merchant.

One or more embodiments of the present specification provide a transaction processing device. The apparatus includes a processor. The apparatus also comprises a memory arranged to store computer executable instructions. The computer-executable instructions, when executed, cause the processor to receive a first transaction request sent by a terminal device of a first user. Wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant. The first transaction request includes resource transfer information. And determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest saved in the block chain. Wherein the target user interests are issued by the target merchant through resource injection. And performing reward processing by the transaction processing system based on the transaction between the target merchant and the user to reward the target user interest to the corresponding user. And the target user rights participate in resource transfer processing corresponding to the transaction between the target merchant and the user. And if so, converting the rights and interests of the target user held by the first user to obtain conversion result information. And performing the resource transfer processing according to the conversion result information and the resource transfer information to transfer the resources to the target merchant.

One or more embodiments of the present specification provide a storage medium. The storage medium is used to store computer-executable instructions. The computer-executable instructions, when executed by the processor, receive a first transaction request sent by a terminal device of a first user. Wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant. The first transaction request includes resource transfer information. And determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest saved in the block chain. Wherein the target user interests are issued by the target merchant through resource injection. And performing reward processing by the transaction processing system based on the transaction between the target merchant and the user to reward the target user interest to the corresponding user. And the target user rights participate in resource transfer processing corresponding to the transaction between the target merchant and the user. And if so, converting the rights and interests of the target user held by the first user to obtain conversion result information. And performing the resource transfer processing according to the conversion result information and the resource transfer information to transfer the resources to the target merchant.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

fig. 1 is a schematic view of a scenario of a transaction processing method according to one or more embodiments of the present disclosure;

fig. 2 is a first schematic flow chart of a transaction processing method according to one or more embodiments of the present disclosure;

fig. 3 is a second flowchart of a transaction processing method according to one or more embodiments of the present disclosure;

FIG. 4 is a third flowchart of a transaction processing method according to one or more embodiments of the disclosure;

FIG. 5 is a fourth flowchart of a transaction processing method according to one or more embodiments of the disclosure;

fig. 6 is a fifth flowchart of a transaction processing method according to one or more embodiments of the present disclosure;

fig. 7 is a sixth flowchart of a transaction processing method according to one or more embodiments of the present disclosure;

fig. 8 is a seventh flowchart of a transaction processing method according to one or more embodiments of the present disclosure;

fig. 9 is an eighth flowchart of a transaction processing method according to one or more embodiments of the present disclosure;

fig. 10 is a ninth flowchart of a transaction processing method according to one or more embodiments of the present disclosure;

fig. 11 is a tenth flowchart of a transaction processing method according to one or more embodiments of the present disclosure;

fig. 12 is a tenth flowchart of a transaction processing method according to one or more embodiments of the present disclosure;

fig. 13 is a block diagram of a transaction processing device according to one or more embodiments of the present disclosure;

FIG. 14 is a schematic diagram of a first component of a transaction processing system, according to one or more embodiments of the present disclosure;

FIG. 15 is a schematic diagram of a second component of a transaction processing system, according to one or more embodiments of the present disclosure;

FIG. 16 is a schematic diagram of a third component of a transaction processing system according to one or more embodiments of the present disclosure;

fig. 17 is a schematic structural diagram of a transaction processing device according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

In the existing payment scene, some merchants not only promote a one-time reward mechanism, but also promote a point mechanism, namely reward user points after consumption, and use the points to deduct partial amount when the user consumes next time. However, in the current credit mechanism, usually the merchant pays the credit, which is easy to cause loss to the merchant. The points are managed by the merchant, when the user pays, the merchant needs to inquire and convert the points of the user, so that the payment efficiency is low, and the problems that the related data of the points are easy to lose and difficult to trace exist. Based on this, this specification provides a transaction processing method, apparatus, device and system.

Fig. 1 is a schematic view of an application scenario of a transaction processing method according to one or more embodiments of the present specification, as shown in fig. 1, the scenario includes: the method comprises the steps that terminal equipment of a first user, a transaction processing system, a target merchant and a block chain are used; the terminal device may be a mobile phone, a tablet computer, a desktop computer, a portable notebook computer, or the like (only the mobile phone is shown in fig. 1); the transaction processing system can be an independent server or a server cluster consisting of a plurality of servers; the block chain stores data, such as recorded information of user interests.

Specifically, the payment Application is installed in the terminal device of the first user, and the payment Application may be an independent Application program (APP for short) or an applet embedded in another Application program. When a first user consumes and pays at a target merchant, operating a payment application in terminal equipment; the terminal equipment responds to the payment operation of a first user in the payment application, and sends a first transaction request to a transaction processing system according to the acquired resource transfer information so as to request for transferring resources to a target merchant; the resource may be physical currency such as funds, or digital currency such as bitcoin. When the transaction processing system receives the first transaction request, determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest stored in the block chain; if so, converting the rights and interests of the target user held by the first user to obtain conversion result information; performing resource transfer processing according to the conversion result information and the resource transfer information to transfer resources to the target merchant; and sending processing result information of the resource transfer processing to the terminal device of the first user. The target user rights and interests are issued by the target merchants through resource injection, and the transaction processing system carries out reward processing on the basis of transactions between the target merchants and the users so as to reward the target user rights and interests to the corresponding users; the target user rights and interests participate in resource transfer processing corresponding to the transaction between the target merchant and the user; targeted user benefits such as points, coupons, etc.

It is noted that the transaction processing system may be deployed with a first node device (not shown) accessing the blockchain and directly access the blockchain through the deployed first node device. The transaction processing system may also access the blockchain by communicating data with a second node device (not shown) of the access blockchain without deploying the node device of the access blockchain; and if the transaction processing system receives the first transaction request, sending a query request to the second node equipment so that the second node equipment queries whether the first user holds the target user interest of the target merchant according to the recorded information of the user interest stored in the blockchain, and sending query result information to the transaction processing system.

Therefore, the transaction processing system manages the user rights issued by the merchants based on resource injection, and when receiving a first transaction request sent by a first user, the transaction processing system performs conversion processing and resource transfer processing based on the target user rights issued by a target merchant held by the first user without the need of the user and the target merchant to participate in operations such as calculation and the like, so that the resource transfer efficiency and the user experience are improved, the user rights have a payment receipt function, and a payment receipt scene is opened; the user can obtain the user rights and interests by trading with the merchant, so that the user can be continuously pulled, and a user group with stable maintenance is promoted; the recorded information of the user rights and interests is stored in the block chain, and the safety and traceability of the recorded information are ensured based on the characteristics of the block chain; in addition, the merchant issues the user equity based on resource injection, so that the risk that the equity of the liability issuing user is easy to lose for the merchant is avoided, the issued user equity has the brand property of the merchant, and the popularity of the merchant is favorably improved.

Based on the application scenario architecture, one or more embodiments of the present specification provide a transaction processing method. Fig. 2 is a flow diagram of a transaction processing method according to one or more embodiments of the present disclosure, where the method in fig. 2 can be executed by the transaction processing system in fig. 1, as shown in fig. 2, and the method includes the following steps:

step S102, receiving a first transaction request sent by a terminal device of a first user; wherein the first transaction request is for requesting a transfer of the resource from the first user to the target merchant; the first transaction request includes resource transfer information;

specifically, when a target merchant of an online entity of a first user purchases goods or has a meal and the like for payment, a terminal device of the first user is operated to scan a payment code provided by the target merchant; the terminal equipment responds to the scanning operation of the first user, scans the appointed payment code, analyzes the payment code to obtain merchant identification information and the like of a target merchant, determines the obtained merchant identification information and preset user identification information and the like of the first user as resource transfer information, and sends a first transaction request to the transaction processing system according to the resource transfer information to request for transferring resources from the first user to the target merchant. Or the terminal device of the first user responds to the scanning operation of the first user, scans the specified payment code, determines the scanned payment code and the preset user identification information of the first user as the resource transfer information, and sends a first transaction request to the transaction processing system according to the resource transfer information to request for transferring the resource from the first user to the target merchant. Or when the first user carries out online shopping, the terminal equipment responds to the payment operation of the first user, determines preset user identification information of the first user and corresponding order information as resource transfer information, and sends a first transaction request to the transaction processing system according to the resource transfer information so as to request for transferring resources from the first user to a target merchant; the order information includes merchant identification information of the target merchant and the like. The resource can be entity currency such as fund and the like, and can also be digital currency such as bitcoin and the like; payment codes such as two-dimensional codes, bar codes, etc.

Step S104, determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest stored in the block chain; the target user rights and interests are issued by the target merchants through resource injection, and the transaction processing system carries out reward processing on the basis of transactions between the target merchants and the users so as to reward the target user rights and interests to the corresponding users; the target user rights and interests participate in resource transfer processing corresponding to the transaction between the target merchant and the user;

before the first user sends the first transaction request, if the first user has performed transaction with the target merchant and meets the preset rewarding condition of the target user interest, the target user interest issued by the target merchant can be obtained, and the target user interest can be used in the current transaction.

Step S106, if yes, converting the rights and interests of the target user held by the first user to obtain conversion result information;

specifically, the method comprises the steps of converting the rights and interests of a target user to be transferred, which is held by a first user, so as to convert the rights and interests of the target user to be transferred into transaction tickets corresponding to a first amount of resources; correspondingly, the conversion result information includes the transaction ticket corresponding to the first amount of resources obtained by performing the conversion processing on the target user interest, the fourth amount of the converted target user interest, the conversion time of the conversion processing, and the like. For example, 200 points are converted during the conversion process to obtain a 2-yuan transaction ticket, and accordingly, the conversion result information includes a 2-yuan (i.e., a first amount) transaction ticket, a 200 (i.e., a fourth amount) point, a conversion time, and the like.

And step S108, performing resource transfer processing according to the conversion result information and the resource transfer information to transfer resources to the target merchant.

In one or more embodiments of the present specification, a transaction processing system manages user rights issued by merchants based on resource injection, and performs conversion processing and resource transfer processing based on target user rights issued by target merchants owned by a first user when receiving a first transaction request sent by the first user, without requiring the user and the target merchants to participate in operations such as calculation, thereby not only improving resource transfer efficiency and user experience, but also enabling the user rights to have a payment receipt function, and getting through a payment receipt scenario; the user can obtain the user rights and interests by trading with the merchant, so that the user can be continuously pulled, and a user group with stable maintenance is promoted; the recorded information of the user rights and interests is stored in the block chain, and the safety and traceability of the recorded information are ensured based on the characteristics of the block chain; in addition, the merchant issues the user equity based on resource injection, so that the risk that the equity of the liability issuing user is easy to lose for the merchant is avoided, the issued user equity has the brand property of the merchant, and the popularity of the merchant is favorably improved.

In order to effectively manage and trace the user rights issued by each merchant and held by each user, in one or more embodiments of the present specification, record information of operations such as issuing, deducting, and the like of the user rights is stored in a block chain; based on this, as shown in fig. 3, step S104 may include the following steps S104-2 and S104-4:

step S104-2, determining user identification information of the first user and merchant identification information of the target merchant according to the resource transfer information;

specifically, when the resource transfer information includes user identification information of the first user and merchant identification information obtained by analyzing the payment code by the terminal device, the transaction processing system obtains the user identification information of the first user and the merchant identification information of the target merchant from the resource transfer information. When the resource transfer information comprises the user identification information of the first user and the payment code obtained by scanning of the terminal equipment, the transaction processing system obtains the user identification information and the payment code of the first user from the resource transfer information, and analyzes the payment code to obtain the merchant identification information. When the resource transfer information includes user identification information and order information of the first user, the transaction processing system obtains the user identification information and the order information from the resource transfer information, and obtains merchant identification information of the target merchant from the order information.

Step S104-4, if the associated first target record information is inquired from the block chain according to the user identification information and the merchant identification information, and the number of the target user rights and interests which the first user holds and which are represented by the first target record information is not zero, determining that the first user holds the target user rights and interests of the target merchant;

the first target record information may be all record information of the first user about the target user interest, such as reward record information, deduction record information, and the like of the target user interest, the transaction processing system calculates the number of the target user interests currently held by the first user according to the reward number, deduction number, and the like included in the first target record information, and if the calculated number is not zero, it is determined that the target user interest issued by the target merchant based on resource injection is held by the first user. The first target record information can also be the last record information determined according to the sequence of storing the record information to the block chain, and the last record information comprises the current remaining amount of the target user rights and interests; correspondingly, the transaction processing system acquires the current remaining amount from the first target record information, and if the current remaining amount is not zero, the first user is determined to hold the target user rights issued by the target merchant based on resource injection.

Further, if it is determined that the first user does not hold the target user interest issued by the target merchant based on the resource injection, the resource transfer processing is performed based on the determined resource in the first resource account of the first user according to the resource transfer information.

Corresponding to step S104-2 and step S104-4, as shown in fig. 3, step S106 includes the following step S106-2:

and S106-2, converting the rights and interests of the target user held by the first user to obtain conversion result information.

Therefore, the record information of the user rights is stored in the block chain, so that the safety and traceability of the record information can be ensured based on the characteristics of the block chain, the processes of inquiry, calculation and the like of the user rights are facilitated, and an accurate basis can be provided for the process of the first transaction request.

In order to enable the transaction processing system to quickly determine the conversion rule of the target user right when receiving the first transaction request, in one or more embodiments of the present specification, an association relationship between the merchant identification information and the conversion rule is established in advance. Accordingly, as shown in FIG. 4, step S106 may include the following steps S106-4 and S106-6:

step S106-4, if yes, acquiring a conversion rule associated with the determined merchant identification information of the target merchant based on the association relationship between the preset merchant identification information and the conversion rule;

specifically, if the target user interest of the target merchant held by the first user is determined according to the recorded information of the user interest stored in the block chain, acquiring an associated conversion rule from the association relationship between the preset merchant identification information and the conversion rule according to the determined merchant identification information of the target merchant; and determining the obtained conversion rule as the conversion rule of the target user right.

Step S106-6, if the target user rights held by the first user are determined to accord with the acquired conversion rule, converting the target user rights held by the first user according to the acquired conversion rule to obtain conversion result information;

specifically, the conversion rule includes a conversion ratio, that is, the user rights and interests of the number M are converted into the transaction tickets with the value N, wherein M and N are greater than zero; and comparing the number of the target user rights held by the first user with the number of the user rights in the conversion proportion, if the number of the target user rights held by the first user is not less than the number of the user rights in the conversion proportion, determining that the target user rights held by the first user accord with the acquired conversion rule, and converting the target user rights held by the first user according to the acquired conversion rule to obtain conversion result information.

Further, if it is determined that the target user rights and interests held by the first user do not meet the obtained conversion rule, resource transfer processing is performed based on resources in the resource account of the first user according to the resource transfer information.

Further, the conversion rule may further include a conversion number threshold of the target user right to be converted, and accordingly, after the transaction processing system acquires the conversion rule, it is determined whether the number of the target user right held by the first user operates the conversion number threshold included in the conversion rule, and if not, the target user right held by the first user is converted to obtain conversion result information; if yes, obtaining the target user rights corresponding to the conversion quantity threshold value from the target user rights held by the first user, and performing conversion processing on the obtained target user rights to obtain conversion result information. And preferably, the target user rights with the remaining effective time length are obtained according to the remaining effective time length of the target user rights.

By presetting the incidence relation between the merchant identification information and the conversion rule, the conversion rule of the target user right can be quickly determined based on the incidence relation.

Because the target user rights are issued based on the resource injection of the target merchant, in order to ensure that the resources of the target merchant can be effectively guaranteed, the effective time from the target user rights to the user until the target user rights are invalidated can be set, the effective state of the target user rights is monitored, and life cycle data representing that the target user rights held by the user are in the effective state, the invalid state and the like is stored in the block chain. Correspondingly, as shown in fig. 5, step S106 may include the following steps S106-8:

and S106-8, if the target user interest in the first user is determined to include the target user interest in the effective state according to the life cycle data stored in the block chain based on the intelligent contract, the target user interest in the effective state is converted to obtain conversion result information.

Specifically, the related life cycle data is acquired from the block chain based on the intelligent contract according to the user identification information and the merchant identification information, and if it is determined that the acquired life cycle data represents that the corresponding target user right is in an effective state, that is, within an effective duration, the target user right in the effective state is converted to obtain conversion result information. It should be noted that, when the transaction processing system deploys the first node device of the access block chain, the intelligent contract is invoked through the first node device; when the transaction processing system does not deploy a first node device of an access block chain, sending a query request to a second node device of the access block chain, calling an intelligent contract in the block chain by the second node device based on the query request, determining target user rights and interests of a first user including target user rights and interests in an effective state based on the intelligent contract according to life cycle data stored in the block chain, and sending query result information to the transaction processing system; and if the transaction processing system determines that the target user rights held by the first user comprise the target user rights in the effective state according to the query result information, the transaction processing system converts the target user rights in the effective state to obtain conversion result information.

By setting the effective duration of the user rights, the resources injected by the user rights issued by the merchant can be guaranteed; by storing the life cycle data of the user rights into the block chain and inquiring the target user rights in the effective state based on the intelligent contract, the safety of the life cycle data is ensured, and the target user rights in the effective state can be quickly inquired based on the characteristics of the intelligent contract, so that the processing efficiency of transaction is improved.

In a specific embodiment, when the transaction processing system determines that the first user currently holds the target user interest of the target merchant, the transaction processing system may first invoke an intelligent contract in the blockchain, and if it is determined that the target user interest held by the first user includes the target user interest in an effective state according to life cycle data stored in the blockchain based on the intelligent contract, obtain a conversion rule associated with the determined merchant identification information of the target merchant based on an association relationship between preset merchant identification information and the conversion rule; and determining whether the target user rights and interests of the first user in the valid state meet the acquired conversion rule, if so, converting the target user rights and interests of the first user in the valid state according to the conversion rule to obtain conversion result information.

Further, in order to make the user know the target user interest that can be used by the transaction request, in one or more embodiments of the present specification, as shown in fig. 6, step S108 may include the following steps S108-2 and S108-4:

step S108-2, sending an inquiry request to the terminal equipment according to the conversion result information so that the terminal equipment displays inquiry information included in the inquiry request to inquire whether the first user uses the rights and interests of the target user to perform resource transfer processing;

and S108-4, if the confirmation information sent by the terminal equipment is acquired, performing resource transfer processing according to the conversion result information and the resource transfer information to transfer the resources to the target merchant.

Specifically, the transaction processing system sends an inquiry request to terminal equipment of a first user according to information such as a first quantity of resources corresponding to the transaction ticket, the terminal equipment displays corresponding inquiry information when receiving the inquiry request, and if confirmation information generated by confirmation operation of a display interface of the first user based on the inquiry information is obtained, the obtained confirmation information is sent to the transaction processing system; and when the transaction processing system receives the determination information, performing resource transfer processing according to the conversion result information and the resource transfer information. The inquiry information may include information such as a first amount of the resource corresponding to the transaction ticket, a fourth amount of the converted target user right, and the like; the inquiry information can be displayed in a separate page, can also be displayed in an input interface for inputting the quantity of the resources to be transferred by the user, and can also be displayed in an account display interface for selecting the resources to be transferred out of the account by the user. The specific content and display mode of the query information are not specifically limited in this specification, and can be set in an actual application as needed.

Further, if the confirmation information sent by the terminal device is not obtained, resource transfer processing is performed based on the resources in the resource account of the first user according to the resource transfer information. By sending an inquiry request to the first user, the first user can select whether to use the rights and interests of the target user according to own wishes, and the use condition of the rights and interests of the target user can be clear.

In one or more embodiments of the present specification, a corresponding amount of resources may be obtained from resources injected by a target merchant based on a first amount of resources corresponding to a transaction ticket obtained through conversion processing, and perform resource transfer, specifically, as shown in fig. 7, step S108 may include the following steps S108-6 to S108-10:

step S108-6, determining a first resource account of the first user and a second resource account of the target merchant according to the resource transfer information;

optionally, an association relationship between the user identification information and the resource account of the user is pre-established, and an association relationship between the merchant identification information and the resource account of the merchant is pre-established; correspondingly, the transaction processing system respectively obtains the associated first resource account and second resource account from the pre-established association relationship according to the user identification information and the merchant identification information determined based on the resource transfer information. Or, pre-establishing an association relationship between the merchant identification information and the resource account of the merchant, wherein the resource transfer information includes account information of a first resource account of the first user; correspondingly, the transaction processing system acquires the account information of the first resource account from the resource transfer information, and acquires the associated second resource account from the pre-established association relation according to the determined merchant identification information.

Step S108-8, determining a first quantity of resources corresponding to the transaction ticket obtained by conversion processing according to the conversion result information, and determining a third quantity of resources to be transferred by the first user according to the first quantity and a second quantity of resources requested to be transferred by the first transaction request;

the second amount may be included in the resource transfer information or may be included in confirmation information for confirming the use of the transaction ticket by the user. Taking the resource as an example for explanation, the fund corresponding to the transaction ticket is 2 yuan, the first transaction request requests to transfer 10 yuan to the target merchant, then the first amount is 2, the second amount is 10, and it is determined that the fund to be transferred from the first user to the target merchant is 8 yuan, that is, the third amount is 8.

Step S108-10, acquiring a third amount of resources from the first resource account, acquiring a first amount of resources from the resources injected by the target merchant, and transferring the acquired resources to a second resource account.

The transaction processing system can allocate a resource injection account for the target merchant to store the resource injected by the target merchant based on the right of issuing the target user; alternatively, the target merchant may designate its own resource injection account in which resources are used to issue the target user interests, the resource injection account being different from the second resource account. Correspondingly, the transaction processing system obtains a third amount of resources from the first resource account, obtains the first amount of resources from the resource injection account of the target merchant, and transfers the obtained resources to the second resource account. Still by way of example, the 8-dollar amount is obtained from the first resource account of the first user, the 2-dollar amount is obtained from the resource injection account of the target merchant, and the 10-dollar amount is transferred to the second resource account of the target merchant.

Therefore, the target user equity of the target merchant held by the first user is exchanged into the transaction ticket, and the corresponding amount of resources are obtained from the resources injected by the target merchant issuing the target user equity to perform resource transfer processing based on the first amount of the resources corresponding to the transaction ticket, so that the target user equity has a payment and receipt function, the target merchant issues the target user equity based on the injected resources, various losses possibly caused by the issuance of the target user equity by liabilities can be avoided, the target user has brand properties, and the popularity of the target merchant is favorably improved.

In the above resource transfer method, after the target merchant issues the target user interest and the resources injected by the target merchant are completely transferred, the target merchant needs to inject the resources again to issue the target user interest. In order to avoid excessive operations for the target merchant due to re-injection of resources, in one or more embodiments of the present specification, as shown in fig. 8, the following step S108-12 may be further performed after step S108-8:

step S108-12, determining a fourth amount of the target user interests to be converted according to the conversion result information, transferring the third amount of resources from the first resource account to the second resource account, and transferring the fourth amount of the target user interests to the user interest account of the target merchant.

Specifically, the transaction processing system allocates a user right account to the target merchant in advance based on a user right issue request sent by the target merchant, converts the resource injected by the target merchant according to the conversion rule of the target merchant to obtain a corresponding target user right, and stores the obtained target user right to the user right account of the target merchant. And the transaction processing system carries out processing such as rewarding and target user interest transfer on the user based on the target user interest in the user interest account. Taking resources as an example for explanation, 200 points are converted into a 2-yuan transaction ticket in the conversion processing process, the first transaction request requests to transfer 10 yuan to the target merchant, and then the first amount is 2, the second amount is 10, and the fourth amount is 200, it is determined that the fund to be transferred from the first user to the target merchant is 8 yuan, that is, the third amount is 8. Then 8 dollars are transferred from the first resource account of the first user to the second resource account of the target merchant and 200 points are transferred to the user equity account of the target merchant.

Further, after transferring the fourth amount of the target user interest to the user interest account of the target merchant, the method further includes: and generating transfer record information of the rights and interests of the target user according to the transaction identification information, the fourth quantity, the user identification information of the first user, the merchant identification information of the target merchant and the like in the first transaction request, and storing the transfer record information into the block chain.

Therefore, when resource transfer is carried out, the fourth quantity of target user rights corresponding to the transaction tickets obtained through conversion processing is transferred to the user rights account of the target merchant, so that the target user rights issued by the target merchant can be recycled, the target merchant does not need to issue the target user rights for many times, and the operation of the target merchant is reduced.

In order to make the target user interest converted by the first transaction request traceable, in one or more embodiments of the present specification, as shown in fig. 9, the step S108 further includes:

step S110, generating first deduction record information of the target user rights and interests of the first user according to the conversion result information and the resource transfer information, and storing the first deduction record information into a block chain;

specifically, the conversion result information and the user identification information, the merchant identification information, the transaction identification information and the like of the first user determined based on the resource transfer information are recorded in an associated manner, the recorded information is determined as first deduction recording information of the target user interest of the first user, and the first deduction recording information is stored in the block chain.

Further, in order to continuously pull the user, in one or more embodiments of the present specification, as shown in fig. 10, step S108 may be followed by:

step S112, if the transaction corresponding to the first transaction request is determined to meet the reward condition of the preset target user rights and interests, rewarding the first user according to a preset reward rule so as to issue a fifth amount of target user rights and interests to the first user;

specifically, target reward record information which is associated and in a preset time period is obtained from the block chain according to the determined user identification information and the determined merchant identification information; determining whether the total amount of the rights and interests of the target user rewarding the first user in a preset time period exceeds a preset amount or not according to the target rewarding information; if not, determining that the transaction corresponding to the first transaction request meets a preset reward condition, and rewarding the first user according to a preset reward rule so as to issue a fifth amount of target user rights and interests to the first user; if so, determining that the transaction corresponding to the first transaction request does not accord with the preset reward condition, and ending.

The preset time period can be set automatically according to the requirement in practical application. As an example, if the preset time period is one week, and the current time is 9/11/friday 2020, target reward record information with reward time within one week from 9/7/2020/9/11/friday 2020/9 is obtained from the blockchain, and the total amount of the target user rights and interests of the first user rewarded from 9/7/2020/11/2020/9/11/2020 is calculated according to the reward amount of the target user rights and interests included in the target reward record information; and if the total number does not exceed the preset number, determining that the transaction corresponding to the first transaction request meets the preset reward condition. Or, the preset time period is a preset duration with the current time as the deadline, for example, the preset time period is seven days, and the current time is 9, 11, 2020, target reward record information of reward time within 7 days of 9, 5, 9, and 11, 2020, is acquired from the blockchain, and the total amount of the target user rights and interests rewarded to the first user from 9, 5, and 9, and 11, 2020, is calculated according to the reward amount of the target user rights and interests included in the target reward record information; and if the total number does not exceed the preset number, determining that the transaction corresponding to the first transaction request meets the preset point reward condition.

Further, the preset time period may further include a plurality of time periods, such as a week and a month, and if it is determined that the total number of the target user interests rewarded to the first user in the week to which the current time belongs does not exceed the first preset number and the total number of the target user interests rewarded to the first user in the month to which the current time belongs does not exceed the second preset number, it is determined that the transaction corresponding to the first transaction request meets the preset reward condition.

Further, the reward rules include rules for determining a reward amount of the targeted user's equity, such as a fixed amount of the targeted user's equity being rewarded for each transaction; or, determining the reward quantity of the rights and interests of the target user according to the quantity of the resources to be transferred corresponding to the transaction, wherein the more the quantity of the resources to be transferred is, the more the reward quantity of the rights and interests of the target user is, and the like. The reward rules can be set in the actual application according to the needs.

It should be noted that the reward condition is not limited to the above condition, and may be set in an actual application as needed.

Step S114, generating reward record information according to the determined user identification information, the merchant identification information, the transaction identification information, the fifth quantity and the reward time of reward processing, and storing the reward record information into the block chain.

After resource transfer processing is carried out according to a first transaction request sent by a first user, the first user can be continuously pulled to carry out transaction with a target merchant by rewarding the first user, and a stable transaction user group is maintained for the target merchant; by saving the reward record information into the blockchain, the target user rights and interests of the first user can be traced.

It is considered that in practical applications, the user may also need to cancel the transaction after the transaction, for example, the user cancels the transaction due to an inappropriate commodity purchased at the merchant or a purchasing error. In order to effectively perform the processing when the user cancels the transaction, in one or more embodiments of the present specification, as shown in fig. 11, step S108 may further include:

step S116, determining the related information of the converted transaction ticket according to the conversion result information, generating transaction record information according to the determined user identification information, merchant identification information, transaction identification information and the related information of the transaction ticket, and storing the transaction record information into a specified storage area;

wherein, the related information of the transaction ticket, such as the first quantity of the resource corresponding to the transaction ticket, etc.; the designated storage area may be a local storage area of the transaction processing system, cloud storage, blockchain, and the like.

Step S118, if a second transaction request sent by the first user is received, transaction record information is obtained from a designated storage area according to transaction identification information included in the second transaction request; wherein the second transaction request is for requesting that the resources transferred to the target merchant be returned to the first user;

and step S120, performing refund processing and second resource transfer processing of the rights and interests of the target user according to the acquired transaction record information.

Specifically, according to merchant identification information in the acquired transaction record information, determining a corresponding conversion rule; according to the related information of the transaction ticket and the determined conversion rule included in the transaction record information, performing reverse conversion processing on the transaction ticket to obtain a fourth amount of target user rights and interests; generating return record information of the target user rights and interests according to the fourth quantity, the user identification information, the merchant identification information and the like, and storing the return record information into the block chain; and transferring a third amount of resources from the second resource account to the first resource account according to the transaction record information. The return record information may further include transaction identification information, return time, and other information. The refund record information characterizes a refund of the fourth amount of the target user's interest converted by the first transaction request to the first user.

After resource transfer processing is carried out based on the first transaction request, by generating transaction record information, corresponding processing can be rapidly carried out based on the transaction record information without accessing a block chain when a user initiates a second transaction request, so that the access pressure of the block chain can be reduced; by saving the return record information into the block chain, traceability of the rights and interests of the target user is ensured.

Further, in order to ensure the accuracy of processing the second transaction request, in one or more embodiments of the present specification, after the transaction processing system obtains the transaction record information, the transaction processing system may further obtain associated first deduction record information from the blockchain according to the transaction identifier, and if it is determined that the related information of the transaction ticket included in the first deduction record information matches the related information of the transaction ticket in the transaction record information, perform a refund process of the interest of the target user and a second resource transfer process according to the obtained transaction record information.

Further, since the first user may also be rewarded with the target user rights after the resource transfer process is performed according to the first transaction request, in order to ensure the fair issue of the target user rights, in one or more embodiments of the present disclosure, when the user initiates the second transaction request, the target user rights rewarded to the user are also deducted. Specifically, as shown in fig. 12, after step S120, the method may further include:

step S122, determining whether associated reward record information is inquired from the block chain according to the transaction identification information included in the second transaction request;

step S124, if yes, generating second deduction record information according to the fifth quantity of the target user rights and interests in the inquired reward record information, the user identification information and the merchant identification information, and storing the second deduction record information into the block chain;

wherein the second deduction record information represents that the rights and interests of a fifth number of target users rewarded to the first user are deducted.

Further, in view of the query requirement of the user for the related information that generally has the user interest, in one or more embodiments of the present specification, the method further includes: receiving a query request sent by the terminal equipment of the first user, performing corresponding query processing according to the query request, and sending query result information of the query processing to the terminal equipment. The query request is used for requesting to query the related information of the user rights held by the first user, or query the related information of the expired user rights, or query the related record information of the user rights, and the like. Specifically, the terminal device responds to the query operation of the first user and sends a query request to the transaction processing system; and the transaction processing system performs query processing based on the record information of the user rights and interests stored in the block chain according to the received query request, and sends query result information to the terminal equipment of the first user. The information related to the user rights includes the amount of the user rights, and merchant information of the merchant corresponding to the user rights.

On the basis of the same technical concept, corresponding to the transaction processing methods described in fig. 2 to 12, one or more embodiments of the present disclosure further provide a transaction processing apparatus. Fig. 13 is a schematic diagram illustrating a module composition of a transaction processing apparatus according to one or more embodiments of the present disclosure, the apparatus being configured to perform the transaction processing method described in fig. 2 to 12, and as shown in fig. 13, the apparatus includes:

a receiving module 201, configured to receive a first transaction request sent by a terminal device of a first user; wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant; the first transaction request includes resource transfer information;

the determining module 202 determines whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest stored in the blockchain; wherein the target user equity is issued by the target merchant through resource injection and rewarded by the transaction processing system based on transactions between the target merchant and users to reward the target user equity to the corresponding users; the target user rights and interests participate in resource transfer processing corresponding to the transaction between the target merchant and the user;

the exchange module 203, if the determination result of the determination module 202 is yes, performing conversion processing on the rights and interests of the target user held by the first user to obtain conversion result information;

and the transfer module 204 performs resource transfer processing according to the transaction ticket and the first transaction request to transfer resources to the target merchant.

Optionally, the resource transfer information includes: the user identification information of the first user and the merchant identification information of the target merchant;

the determining module 202 determines that the first user has the target user interest of the target merchant if associated first target record information is queried from the block chain according to the user identification information and the merchant identification information, and the number of the target user interest that the first target record information represents the first user is not zero.

Optionally, life cycle data of the rights and interests of the target user is also saved in the block chain;

the conversion module 203 invokes an intelligent contract deployed in the blockchain, and if it is determined that the target user rights and interests of the first user include the target user rights and interests in the valid state according to the life cycle data based on the intelligent contract, the target user rights and interests in the valid state are converted to obtain conversion result information.

Optionally, the conversion result information includes: the transaction ticket corresponding to the resource with the first quantity and the converted fourth quantity of the target user right obtained by converting the target user right; the first amount is not greater than a second amount of the resource requested to be transferred by the first transaction request;

the transfer module 204 determines a first resource account of the first user and a second resource account of the target merchant according to the resource transfer information;

determining a third quantity of resources to be transferred by the first user according to the first quantity and the second quantity;

acquiring the third amount of resources from the first resource account, acquiring the first amount of resources from the resources injected by the target merchant, and transferring the acquired resources to the second resource account; alternatively, the third amount of resources is transferred from the first resource account to the second resource account, and the fourth amount of the target user interest is transferred to the user interest account of the target merchant.

Optionally, the apparatus further comprises: a first saving module;

the first saving module generates first deduction record information of the target user right of the first user according to the conversion result information and the resource transfer information, and saves the first deduction record information into the block chain.

Optionally, the resource transfer information includes: the user identification information of the first user and the merchant identification information of the target merchant; the device further comprises a reward module;

the rewarding module is used for rewarding the first user according to a preset rewarding rule if the transaction corresponding to the first transaction request is determined to meet a preset rewarding condition of the target user rights and interests so as to issue a fifth amount of the target user rights and interests to the first user;

generating reward record information according to the determined transaction identification information, the user identification information, the merchant identification information, the fifth quantity and the reward time of reward processing, and storing the reward record information into the block chain.

Optionally, the conversion result information includes: the transaction ticket corresponding to the resource with the first quantity is obtained by converting the rights and interests of the target user; the device further comprises: a second saving module and a return module;

the second saving module, after the transferring module 204 performs the resource transferring process according to the conversion result information and the resource transferring information, generates transaction record information according to the user identification information, the merchant identification information, the transaction identification information and the related information of the transaction ticket, and saves the transaction record information to a designated storage area;

the receiving module 201 is further configured to receive a second transaction request sent by the terminal device;

the return module, if the receiving module 201 receives a second transaction request sent by the terminal device, acquires the transaction record information from the storage area according to the transaction identification information included in the second transaction request; wherein the second transaction request is for requesting that resources transferred to the target merchant be returned to the first user;

and performing refund processing and second resource transfer processing on the rights and interests of the target user according to the acquired transaction record information.

Optionally, the apparatus further comprises: a deduction module;

the deduction module, after the receiving module 201 receives the second transaction request, determines whether the associated reward record information is queried from the blockchain according to the transaction identification information included in the second transaction request;

if yes, second deduction record information of the target rights and interests is generated according to the fifth quantity, the user identification information and the merchant identification information in the reward record information;

saving the second deduction record information to the block chain.

In the transaction processing device provided in one or more embodiments of the present specification, the transaction processing system manages the user rights issued by the merchant based on resource injection, and when receiving a first transaction request sent by a first user, performs conversion processing and resource transfer processing based on the target user rights issued by a target merchant held by the first user without the user and the target merchant participating in operations such as calculation, so that not only is the resource transfer efficiency and the user experience improved, but also the user rights have a payment receipt function, and a payment receipt scene is opened; the user can obtain the user rights and interests by trading with the merchant, so that the user can be continuously pulled, and a user group with stable maintenance is promoted; the recorded information of the user rights and interests is stored in the block chain, and the safety and traceability of the recorded information are ensured based on the characteristics of the block chain; in addition, the merchant issues the user equity based on resource injection, so that the risk that the equity of the liability issuing user is easy to lose for the merchant is avoided, the issued user equity has the brand property of the merchant, and the popularity of the merchant is favorably improved.

It should be noted that the embodiment of the transaction processing apparatus in this specification and the embodiment of the transaction processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the corresponding transaction processing method, and repeated details are not described again.

Further, on the basis of the same technical concept, corresponding to the above-described transaction processing method, one or more embodiments of the present specification further provide a transaction processing system. Fig. 14 is a schematic diagram of a transaction processing system according to one or more embodiments of the present disclosure, and as shown in fig. 14, the transaction processing system includes: a resource transfer subsystem 301, a redemption subsystem 302, and a blockchain subsystem 303;

the resource transfer subsystem 301 receives a first transaction request sent by a terminal device of a first user, and sends a first redemption request to the redemption subsystem according to resource transfer information included in the first transaction request; wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant;

the acceptance subsystem 302 receives the first exchange request, and determines whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest stored in the block chain; if yes, converting the rights and interests of the target user held by the first user to obtain conversion result information; wherein the target user equity is issued by the target merchant through resource injection and rewarded by the transaction processing system based on transactions between the target merchant and users to reward the target user equity to the corresponding users; the target user rights and interests participate in resource transfer processing corresponding to the transaction between the target merchant and the user;

the resource transfer subsystem 301 performs resource transfer processing according to the conversion result information and the resource transfer information to transfer resources to the target merchant;

the block chain subsystem 303 stores the recorded information of the user's rights and interests.

In the transaction processing system provided in one or more embodiments of the present specification, a merchant manages a user right issued by the merchant based on resource injection, and when a first transaction request sent by a first user is received, conversion processing and resource transfer processing are performed based on a target user right issued by a target merchant held by the first user without the user and the target merchant participating in operations such as calculation, so that not only is resource transfer efficiency and user experience improved, but also the user right has a payment receipt function, and a payment receipt scene is opened; the user can obtain the user rights and interests by trading with the merchant, so that the user can be continuously pulled, and a user group with stable maintenance is promoted; the recorded information of the user rights and interests is stored in the block chain, and the safety and traceability of the recorded information are ensured based on the characteristics of the block chain; in addition, the merchant issues the user equity based on resource injection, so that the risk that the equity of the liability issuing user is easy to lose for the merchant is avoided, the issued user equity has the brand property of the merchant, and the popularity of the merchant is favorably improved.

the acceptance subsystem 302 determines that the first user holds the target user interest of the target merchant if associated first target record information is queried from the block chain according to the user identification information and the merchant identification information, and the number of the target user interest which the first user holds and which is represented by the first target record information is not zero.

Optionally, the resource transfer information includes: merchant identification information of the target merchant;

the acceptance subsystem 302 acquires a conversion rule associated with the merchant identification information of the target merchant based on the association relationship between the preset merchant identification information and the conversion rule;

and if the target user right held by the first user is determined to accord with the conversion rule, converting the target user right held by the first user according to the conversion rule to obtain conversion result information.

Optionally, as shown in fig. 15, the system further includes: an interface management subsystem 304;

the interface management subsystem 304, configured to send an inquiry request to the terminal device according to the conversion result information, so that the terminal device displays inquiry information included in the inquiry request to inquire whether the first user uses the target user right to perform resource transfer processing;

the resource transfer subsystem 301, if acquiring the confirmation information sent by the terminal device, performs the resource transfer processing according to the conversion result information and the resource transfer information.

Optionally, as shown in fig. 16, the system further includes: the point management subsystem 305;

the point management subsystem 305, after the resource transfer subsystem 301 performs the resource transfer processing according to the conversion result information and the resource transfer information, if it is determined that the transaction corresponding to the first transaction request meets a preset reward condition of the target user rights and interests, performs reward processing on the first user according to a preset reward rule, so as to issue a fifth amount of the target user rights and interests to the first user;

generating reward record information according to the user identification information, the merchant identification information, the transaction identification information, the fifth amount and reward time of reward processing, and storing the reward record information into the block chain subsystem 303.

Optionally, the conversion result information includes: the transaction ticket corresponding to the resource with the first quantity is obtained by converting the rights and interests of the target user;

the resource transfer subsystem 301, after performing the resource transfer processing according to the conversion result information and the resource transfer information, further generates transaction record information according to the user identification information, the merchant identification information, the transaction identification information, and the first quantity, and stores the transaction record information in a preset storage area; and the number of the first and second groups,

if a second transaction request sent by the terminal equipment is received, acquiring the transaction record information from the storage area according to the transaction identification information included in the second transaction request; wherein the second transaction request is for requesting that resources transferred to the target merchant be returned to the first user;

Optionally, the resource transfer subsystem 301 sends a second redemption request to the redemption subsystem 302 according to the acquired transaction record information;

the redemption subsystem 302 determines a conversion rule corresponding to the transaction ticket according to the merchant identification information included in the second redemption request;

according to the first quantity and the conversion rule included in the second redemption request, performing reverse conversion processing on the transaction ticket to obtain a fourth quantity of the target user rights and interests;

generating return record information of the target user rights according to the fourth quantity, the user identification information and the merchant identification information, and storing the return record information into the block chain subsystem 303.

Optionally, if the second transaction request is monitored, the point management subsystem 305 determines whether the associated reward record information is queried from the blockchain according to the transaction identification information included in the second transaction request;

the second deductive log information is saved to the block chain subsystem 303.

It should be noted that the embodiment of the transaction processing system in this specification and the embodiment of the transaction processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the corresponding transaction processing method, and repeated details are not described again.

Further, corresponding to the above-described transaction processing method, based on the same technical concept, one or more embodiments of the present specification further provide a transaction processing device, which is configured to execute the above-described transaction processing method, and fig. 17 is a schematic structural diagram of a transaction processing device provided in one or more embodiments of the present specification.

As shown in fig. 17, the transaction processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 401 and a memory 402, where one or more stored applications or data may be stored in the memory 402. Wherein memory 402 may be transient or persistent. The application program stored in memory 402 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a transaction processing device. Still further, the processor 401 may be configured to communicate with the memory 402 to execute a series of computer-executable instructions in the memory 402 on the transaction processing device. The transaction processing device may also include one or more power supplies 403, one or more wired or wireless network interfaces 404, one or more input-output interfaces 405, one or more keyboards 406, etc.

In one particular embodiment, the transaction processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the transaction processing apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

receiving a first transaction request sent by terminal equipment of a first user; wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant; the first transaction request includes resource transfer information;

determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest stored in the block chain; wherein the target user equity is issued by the target merchant through resource injection and rewarded by the transaction processing system based on transactions between the target merchant and users to reward the target user equity to the corresponding users; the target user rights and interests participate in resource transfer processing corresponding to the transaction between the target merchant and the user;

if yes, converting the rights and interests of the target user held by the first user to obtain conversion result information;

and performing the resource transfer processing according to the conversion result information and the resource transfer information to transfer the resources to the target merchant.

Optionally, the resource transfer information comprises, when executed, computer-executable instructions for: the user identification information of the first user and the merchant identification information of the target merchant;

the determining the target user interest of the first user holding the target merchant according to the record information related to the points saved by the block chain comprises the following steps:

and if associated first target record information is inquired from the block chain according to the user identification information and the merchant identification information, and the number of the target user rights and interests which the first user has represented by the first target record information is not zero, determining that the first user has the target user rights and interests of the target merchant.

Optionally, the computer executable instructions, when executed, the conversion result information comprises: the transaction ticket corresponding to the resource with the first quantity and the converted fourth quantity of the target user right obtained by converting the target user right; the first amount is not greater than a second amount of the resource requested to be transferred by the first transaction request;

the resource transfer processing according to the conversion result information and the resource transfer information includes:

determining a first resource account of the first user and a second resource account of the target merchant according to the resource transfer information;

after the resource transfer processing is performed according to the conversion result information and the resource transfer information, the method further includes:

if the transaction corresponding to the first transaction request is determined to meet the preset rewarding condition of the target user rights and interests, rewarding the first user according to a preset rewarding rule so as to issue a fifth amount of the target user rights and interests to the first user;

Optionally, the computer executable instructions, when executed, the conversion result information comprises: the transaction ticket corresponding to the resource with the first quantity is obtained by converting the rights and interests of the target user;

generating transaction record information according to the user identification information, the merchant identification information, the transaction identification information and the related information of the transaction ticket, and storing the transaction record information to a specified storage area; and the number of the first and second groups,

Optionally, the computer-executable instructions, when executed, further comprise, after receiving a second transaction request sent by the first user:

determining whether the associated reward record information is queried from the blockchain according to the transaction identification information included in the second transaction request;

saving the second deduction record information to the block chain.

The transaction processing device provided in one or more embodiments of the present specification manages user rights issued by a merchant based on resource injection, and performs conversion processing and resource transfer processing based on a target user right issued by a target merchant held by a first user when receiving a first transaction request sent by the first user, without requiring the user and the target merchant to participate in operations such as calculation and the like, so that not only is resource transfer efficiency and user experience improved, but also the user rights have a payment receipt function, and a payment receipt scene is opened; the user can obtain the user rights and interests by trading with the merchant, so that the user can be continuously pulled, and a user group with stable maintenance is promoted; the recorded information of the user rights and interests is stored in the block chain, and the safety and traceability of the recorded information are ensured based on the characteristics of the block chain; in addition, the merchant issues the user equity based on resource injection, so that the risk that the equity of the liability issuing user is easy to lose for the merchant is avoided, the issued user equity has the brand property of the merchant, and the popularity of the merchant is favorably improved.

It should be noted that the embodiment of the transaction processing device in this specification and the embodiment of the transaction processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the corresponding transaction processing method, and repeated details are not described again.

Further, corresponding to the above-described transaction processing method, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium for storing computer-executable instructions, where in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, and the like, and the computer-executable instructions stored in the storage medium, when being executed by the processor, can implement the following processes:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the resource transfer information to include: the user identification information of the first user and the merchant identification information of the target merchant;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the conversion result information to include: the transaction ticket corresponding to the resource with the first quantity and the converted fourth quantity of the target user right obtained by converting the target user right; the first amount is not greater than a second amount of the resource requested to be transferred by the first transaction request;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the conversion result information to include: the transaction ticket corresponding to the resource with the first quantity is obtained by converting the rights and interests of the target user;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, after receiving a second transaction request sent by the first user:

saving the second deduction record information to the block chain.

When the computer-executable instructions stored in the storage medium provided in one or more embodiments of the present specification are executed by the processor, the transaction processing system manages the user rights issued by the merchant based on resource injection, and when receiving a first transaction request sent by a first user, performs conversion processing and resource transfer processing based on the target user rights issued by the target merchant held by the first user, without requiring the user and the target merchant to participate in operations such as calculation, so that not only is the resource transfer efficiency and the user experience improved, but also the user rights have a payment receipt function, and a payment receipt scenario is opened; the user can obtain the user rights and interests by trading with the merchant, so that the user can be continuously pulled, and a user group with stable maintenance is promoted; the recorded information of the user rights and interests is stored in the block chain, and the safety and traceability of the recorded information are ensured based on the characteristics of the block chain; in addition, the merchant issues the user equity based on resource injection, so that the risk that the equity of the liability issuing user is easy to lose for the merchant is avoided, the issued user equity has the brand property of the merchant, and the popularity of the merchant is favorably improved.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the transaction processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the corresponding transaction processing method, and repeated details are not described again.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the apparatus and system embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference may be made to some descriptions of the method embodiments for relevant points.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A transaction processing method is applied to a transaction processing system and comprises the following steps:

2. The method of claim 1, the resource transfer information comprising: the user identification information of the first user and the merchant identification information of the target merchant;

3. The method of claim 1, the resource transfer information comprising: merchant identification information of the target merchant;

the converting the rights and interests of the target user owned by the first user to obtain conversion result information includes:

acquiring a conversion rule associated with the merchant identification information of the target merchant based on the association relationship between the preset merchant identification information and the conversion rule;

4. The method of claim 1, wherein the blockchain further maintains lifecycle data of the interests of the target user;

and calling an intelligent contract deployed in the block chain, and if the target user rights and interests held by the first user comprise the target user rights and interests in the effective state based on the intelligent contract according to the life cycle data, converting the target user rights and interests in the effective state to obtain conversion result information.

5. The method of claim 1, the performing the resource transfer processing according to the conversion result information and the resource transfer information, comprising:

sending an inquiry request to the terminal equipment according to the conversion result information so that the terminal equipment displays inquiry information included in the inquiry request to inquire whether the first user uses the target user right to perform resource transfer processing;

and if the confirmation information sent by the terminal equipment is acquired, carrying out the resource transfer processing according to the conversion result information and the resource transfer information.

6. The method of claim 1, the conversion result information comprising: the transaction ticket corresponding to the resource with the first quantity and the converted fourth quantity of the target user right obtained by converting the target user right; the first amount is not greater than a second amount of the resource requested to be transferred by the first transaction request;

7. The method according to claim 1, further comprising, after the performing the resource transfer process according to the conversion result information and the resource transfer information:

and generating first deduction record information of the target user rights and interests of the first user according to the conversion result information and the resource transfer information, and storing the first deduction record information into the block chain.

8. The method of claim 1, the resource transfer information comprising: the user identification information of the first user and the merchant identification information of the target merchant;

9. The method of claim 8, the determining that the transaction corresponding to the first transaction request meets a preset bonus point condition for the target user right comprises:

acquiring associated target reward record information in a preset time period from the block chain according to the user identification information and the merchant identification information;

determining whether the total amount of the target user rights and interests rewarded to the first user in the preset time period exceeds a preset amount or not according to the target rewarding record information;

if not, determining that the transaction corresponding to the first transaction request meets a preset point reward condition.

10. The method of claim 8, the conversion result information comprising: the transaction ticket corresponding to the resource with the first quantity is obtained by converting the rights and interests of the target user;

11. The method of claim 10, the processing of refunding the target user's rights according to the obtained transaction record information, comprising:

determining a corresponding conversion rule according to the merchant identification information in the acquired transaction record information;

according to the related information of the transaction ticket in the transaction record information and the determined conversion rule, performing reverse conversion processing on the transaction ticket to obtain a fourth amount of the target user rights and interests;

and generating return record information of the target user rights according to the fourth quantity, the user identification information and the merchant identification information, and storing the return record information into the block chain.

12. The method of claim 10, after receiving a second transaction request sent by the first user, further comprising:

if yes, second deduction record information of the target user rights and interests is generated according to the fifth quantity, the user identification information and the merchant identification information in the reward record information;

saving the second deduction record information to the block chain.

13. The method of claim 1, further comprising:

receiving a query request sent by the terminal equipment, performing corresponding query processing according to the query request, and sending query result information of the query processing to the terminal equipment; the query request is used for requesting to query the related information of the user rights held by the first user, or query the related information of the expired user rights, or query the related record information of the user rights.

14. A transaction processing system comprising:

the resource transfer subsystem receives a first transaction request sent by terminal equipment of a first user and sends a first exchange request to the exchange subsystem according to resource transfer information included in the first transaction request; wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant;

the acceptance subsystem receives the first exchange request and determines whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest stored in the block chain; if yes, converting the rights and interests of the target user held by the first user to obtain conversion result information; wherein the target user equity is issued by the target merchant through resource injection and rewarded by the transaction processing system based on transactions between the target merchant and users to reward the target user equity to the corresponding users; the target user rights and interests participate in resource transfer processing corresponding to the transaction between the target merchant and the user;

the resource transfer subsystem carries out resource transfer processing according to the conversion result information and the resource transfer information so as to transfer resources to the target merchant;

and the block chain subsystem is used for storing the record information of the user rights and interests.

15. The system of claim 14, the resource transfer information comprising: the user identification information of the first user and the merchant identification information of the target merchant;

and the acceptance subsystem determines that the first user holds the target user interest of the target merchant if associated first target record information is inquired from the block chain according to the user identification information and the merchant identification information and the number of the target user interest which is represented by the first target record information and held by the first user is not zero.

16. The system of claim 14, the resource transfer information comprising: merchant identification information of the target merchant;

the acceptance subsystem acquires a conversion rule associated with the merchant identification information of the target merchant based on the association relationship between the preset merchant identification information and the conversion rule;

17. The system of claim 14, the blockchain subsystem further having life cycle data stored therein of the target user interest;

and the transfer subsystem calls an intelligent contract deployed in the block chain subsystem, and if the target user rights and interests held by the first user are determined to include the target user rights and interests in the effective state according to the life cycle data based on the intelligent contract, the target user rights and interests in the effective state are converted to obtain conversion result information.

18. The system of claim 14, further comprising: an interface management subsystem;

the interface management subsystem sends an inquiry request to the terminal equipment according to the conversion result information so that the terminal equipment displays inquiry information included in the inquiry request to inquire whether the first user uses the target user right to perform resource transfer processing or not;

and the resource transfer subsystem carries out the resource transfer processing according to the conversion result information and the resource transfer information if the confirmation information sent by the terminal equipment is obtained.

19. The system of claim 14, the resource transfer information comprising: the user identification information of the first user and the merchant identification information of the target merchant; the system further comprises: an integral management subsystem;

the point management subsystem is used for rewarding the first user according to a preset rewarding rule after the resource transfer subsystem carries out the resource transfer processing according to the conversion result information and the resource transfer information and if the transaction corresponding to the first transaction request is determined to meet a preset rewarding condition of the target user rights and interests, so that a fifth amount of the target user rights and interests are issued to the first user;

generating reward record information according to the user identification information, the merchant identification information, the determined transaction identification information, the fifth amount and reward time of reward processing, and storing the reward record information into the block chain subsystem.

20. The system of claim 19, the conversion result information comprising: the transaction ticket corresponding to the resource with the first quantity is obtained by converting the rights and interests of the target user;

the resource transfer subsystem is used for generating transaction record information according to the user identification information, the merchant identification information, the transaction identification information and the first quantity after performing the resource transfer processing according to the conversion result information and the resource transfer information, and storing the transaction record information into a preset storage area; and the number of the first and second groups,

21. The system of claim 20, wherein the first and second components are selected from the group consisting of,

the resource transfer subsystem sends a second exchange request to the exchange subsystem according to the acquired transaction record information;

the redemption subsystem determines a conversion rule corresponding to the transaction ticket according to the merchant identification information included in the second redemption request;

and generating return record information of the target user rights according to the fourth quantity, the user identification information and the merchant identification information, and storing the return record information into the block chain subsystem.

22. The system of claim 20, wherein the first and second components are selected from the group consisting of,

if the credit management subsystem monitors the second transaction request, determining whether the associated reward record information is inquired from the block chain according to the transaction identification information included in the second transaction request;

saving the second deduction record information to the block chain subsystem.

23. A transaction processing device comprising:

the receiving module is used for receiving a first transaction request sent by terminal equipment of a first user; wherein the first transaction request is for requesting a transfer of a resource from the first user to a target merchant; the first transaction request includes resource transfer information;

the determining module is used for determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest stored in the block chain; wherein the target user equity is issued by the target merchant through resource injection and rewarded by the transaction processing system based on transactions between the target merchant and users to reward the target user equity to the corresponding users; the target user rights and interests participate in resource transfer processing corresponding to the transaction between the target merchant and the user;

the exchange module is used for converting the rights and interests of the target user held by the first user to obtain conversion result information if the determination result of the determination module is positive;

and the transfer module is used for carrying out the resource transfer processing according to the conversion result information and the resource transfer information so as to transfer the resources to the target merchant.

24. The apparatus of claim 23, the resource transfer information comprising: the user identification information of the first user and the merchant identification information of the target merchant;

the determining module determines that the first user has the target user interest of the target merchant if associated first target record information is inquired from the block chain according to the user identification information and the merchant identification information, and the number of the target user interest which the first user has is represented by the first target record information is not zero.

25. The apparatus of claim 23, the apparatus further comprising: a first saving module;

26. The apparatus of claim 23, the resource transfer information comprising: the user identification information of the first user, the merchant identification information of the target merchant and the transaction identification information; the device further comprises a reward module;

generating reward record information according to the user identification information, the merchant identification information, the transaction identification information, the fifth quantity and reward time of reward processing, and storing the reward record information into the block chain.

27. A transaction processing device comprising:

a processor; and the number of the first and second groups,

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

determining whether the first user currently holds the target user interest of the target merchant according to the recorded information of the user interest stored in the block chain; wherein the target user equity is issued by the target merchant through resource injection and rewarded by a transaction processing system based on a transaction between the target merchant and a user to reward the target user equity to the corresponding user; the target user rights and interests participate in resource transfer processing corresponding to the transaction between the target merchant and the user;

28. A storage medium storing computer-executable instructions that when executed by a processor implement the following: