CN112036872A - Transaction control method and device - Google Patents

Transaction control method and device Download PDF

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Publication number
CN112036872A
CN112036872A CN202010902700.5A CN202010902700A CN112036872A CN 112036872 A CN112036872 A CN 112036872A CN 202010902700 A CN202010902700 A CN 202010902700A CN 112036872 A CN112036872 A CN 112036872A
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China
Prior art keywords
transaction
business card
category
type
current
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CN202010902700.5A
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Chinese (zh)
Inventor
张珊珊
黄浩
杨彦生
庄滨滨
王学文
袁帅国
谢炜琪
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202010902700.5A priority Critical patent/CN112036872A/en
Publication of CN112036872A publication Critical patent/CN112036872A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/22—Indexing; Data structures therefor; Storage structures
    • G06F16/2282—Tablespace storage structures; Management thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Abstract

The invention discloses a transaction control method and a device, wherein the method comprises the following steps: determining the category of the business card of the current transaction according to the current transaction; determining the transaction limit type of the business card type of the current transaction according to the business card type of the current transaction; determining a business card type of the current transaction and a transaction function set corresponding to the transaction limit type of the business card type according to the business card type of the current transaction and the transaction limit type of the business card type; and controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type. The invention can determine the category of the business card based on the current transaction, firstly controls the limited category of the business card category through the transaction limited category, and then controls the transaction of the current transaction through the transaction function set, thereby improving the flexibility of controlling the transaction of the business card of the public account.

Description

Transaction control method and device
Technical Field
The invention relates to the technical field of financial transactions, in particular to a transaction control method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Business cards (also known as corporate cards) are financial cards designed for business use and are an important way of corporate payment and settlement. The enterprise employee with authority can hold the business card to perform financial transactions such as cash withdrawal, account transfer, consumption and the like. After the staff uses the business card to sign accounts, the enterprises pay directly, and the failure reporting and money requesting procedures of the staff are saved. Generally speaking, businesses can open multiple categories of business cards on public accounts for the production of business needs. Such as a cash register card, a purchase card, a cash withdrawal card, or a full function card. Different business cards are held by different employees with authority, and the purpose of 'one user with multiple cards and special persons' can be achieved.
The cash collecting card, the purchasing card and the cash withdrawing card only have one or more transaction functions, for example, the cash collecting card can only carry out cash collecting transaction but not transfer transaction, and the cash withdrawing card can only carry out cash withdrawing transaction but not receive transaction; the full-function card is a business card capable of realizing all transaction functions such as withdrawal, transfer, consumption and the like. Specifically, the cash register card is a business card which only receives but does not pay, and each branch company can store the sales funds into a company account through an AMT (automated mechanical transmission) machine, so that the funds are quickly returned to the main company; the acquisition card is used for purchasing materials by a purchasing department, does not need a complicated examination and approval process, realizes paperless purchase, is not allowed to be fetched, and can only be used for swiping a card, online consumption or transferring accounts; the cash withdrawal card can be used for the financial department to generate wages, can withdraw money and transfer accounts, but cannot consume the money; the full-function card can be used in all transaction scenes and comprises functions of balance inquiry, consumption, cash withdrawal, account transfer and the like, and the transaction records of each card are convenient for financial affairs to check accounts and manage easily.
Since different business cards have different transaction functions, some of the transaction functions of the different business cards need to be restricted to control the transactions that the business cards can perform and the transactions that cannot be performed. At present, in order to facilitate the unified management of various transactions and simplify the control logic, for different business cards, the transaction limit of the transaction function which is not allowed to be performed by the business card is usually set to zero, the user is informed of the transaction function which is not allowed when the business card is opened, and the user is prompted with a prompt of 'transaction excess limit' and the like when the user performs the transaction which is not allowed. In addition, the prior art also limits various transaction functions of the business card one by one, namely, the allowable transaction and the unallowable transaction of the business card are respectively set, and whether the transaction can be carried out or not is determined by traversing judgment during the transaction, so that the control flexibility of the transaction function of the business card is poor.
Therefore, the existing control of the public account business card transaction function has the problem of poor flexibility.
Disclosure of Invention
The embodiment of the invention provides a transaction control method, which is used for improving the flexibility of transaction control of a public account business card and comprises the following steps:
determining the category of the business card of the current transaction according to the current transaction;
determining the transaction limit type of the business card type of the current transaction according to the business card type of the current transaction;
determining a business card type of the current transaction and a transaction function set corresponding to the transaction limit type of the business card type according to the business card type of the current transaction and the transaction limit type of the business card type;
and controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type.
The embodiment of the invention also provides a transaction control device, which is used for improving the flexibility of controlling the transaction of the public account business card, and comprises:
the category determining module is used for determining the category of the business card of the current transaction according to the current transaction;
the limit type determining module is used for determining the transaction limit type of the business card type of the current transaction according to the business card type of the current transaction;
the transaction set determining module is used for determining a transaction function set corresponding to the category of the current transaction business card and the transaction limit category of the business card category according to the category of the current transaction business card and the transaction limit category of the business card category;
and the transaction control module is used for controlling the current transaction according to the business card type of the current transaction and the transaction function set corresponding to the transaction limit type of the business card type.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the transaction control method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above transaction control method is stored in the computer-readable storage medium.
In the embodiment of the invention, the category of the business card of the current transaction is determined according to the current transaction; determining the transaction limit type of the business card type of the current transaction according to the business card type of the current transaction; determining a business card type of the current transaction and a transaction function set corresponding to the transaction limit type of the business card type according to the business card type of the current transaction and the transaction limit type of the business card type; and controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type. The embodiment of the invention can determine the category of the business card based on the current transaction, firstly controls the limited category of the business card category through the transaction limited category, and then controls the transaction of the current transaction through the transaction function set, thereby improving the flexibility of controlling the transaction of the business card of the public account.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, 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 of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a transaction control method according to a first embodiment of the present invention;
fig. 2 is a flowchart illustrating the implementation of step 102 in the transaction control method according to the second embodiment of the present invention;
fig. 3 is a flowchart illustrating the implementation of step 103 in the transaction control method according to the third embodiment of the present invention;
fig. 4 is a flowchart of an implementation of a transaction control method according to a fourth embodiment of the present invention;
fig. 5 is a flowchart of an implementation of a transaction control method according to a fifth embodiment of the present invention;
fig. 6 is a flowchart of an implementation of a transaction control method according to a sixth embodiment of the present invention;
fig. 7 is a flowchart of an implementation of a transaction control method according to a seventh embodiment of the present invention;
fig. 8 is a functional block diagram of a transaction control device according to an eighth embodiment of the present invention;
fig. 9 is a block diagram showing a configuration of a restriction type determination module 802 in a transaction control apparatus according to a ninth embodiment of the present invention;
fig. 10 is a block diagram illustrating a structure of a transaction set determination module 803 in a transaction control apparatus according to a tenth embodiment of the present invention;
fig. 11 is a block diagram showing a configuration of a transaction control device according to an eleventh embodiment of the present invention;
fig. 12 is a block diagram showing a configuration of a transaction control device according to a twelfth embodiment of the present invention;
fig. 13 is a block diagram showing a configuration of a transaction control device according to a thirteenth embodiment of the present invention;
fig. 14 is a block diagram of a transaction control device according to a fourteenth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 shows a flow of implementing the transaction control method according to the first embodiment of the present invention, and for convenience of description, only the relevant parts related to the embodiment of the present invention are shown, and the following details are described below:
as shown in fig. 1, a transaction control method includes:
step 101, determining the category of a business card of the current transaction according to the current transaction;
102, determining the transaction limit type of the business card type of the current transaction according to the business card type of the current transaction;
103, determining a transaction function set corresponding to the transaction limit type of the current transaction business card type according to the current transaction business card type and the transaction limit type of the business card type;
and 104, controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type.
Whereas a public account may include one or more classes of business cards, such as one or more full function card accounts, one or more cash out card accounts, one or more debit card accounts, and the like. Therefore, when controlling the transaction function of the public account business card, firstly, the specific type of the business card corresponding to the current transaction can be determined based on the transaction information of the current transaction, such as the card number.
To achieve flexible control over the commerce card categories, transaction limit categories for different commerce card categories may be preset. The transaction restriction type reflects the degree of restriction on the transaction function of the business card type, and is used for controlling the transaction at the business card product level, that is, controlling the transaction restriction in which the business card can realize the full transaction function (hereinafter, may be referred to as a full restriction type), the transaction restriction in which the business card can realize a part of the transaction functions (hereinafter, may be referred to as a white list restriction type and a black list restriction type), or the restriction in which the transaction function is not performed (hereinafter, may be referred to as an unlimited type). The transaction function comprises a payment function, a transfer function, a cash withdrawal function, a cash collection function and the like.
After determining the category of the business card corresponding to the current transaction, considering that different categories of business cards have different transaction limit categories, it is necessary to determine the transaction limit category of the category of business card of the current transaction based on the category of business card of the current transaction. The transaction limit category may be an unlimited category or a full limit category, or may be a white list limited category or a black list limited category.
In order to determine the transaction restriction type of the business card type of the current transaction, in order to implement specific control on the current transaction, it is necessary to further determine the business card type of the current transaction and a transaction function set corresponding to the transaction restriction type of the business card type. The transaction function set corresponding to the business card type and the transaction limit type comprises a set of all transaction functions corresponding to the business card type and the transaction limit type.
For example, when the transaction restriction type is an unrestricted type, since the transaction functions are not restricted in the unrestricted type, that is, all transaction functions are allowed to be executed, it is not necessary to set the transaction function sets corresponding to the business card type and the unrestricted type, or set the transaction function set corresponding to the unrestricted type to be empty. The unlimited category generally applies to full function cards for public accounts.
For example, when the transaction restriction type is the all restriction type, in view of that all transaction functions are restricted in the all restriction type, that is, all transaction functions are not allowed to be executed, it is also not necessary to set a set of transaction functions corresponding to the business card type and the all restriction type, or to set a set of transaction functions corresponding to the all restriction type to be empty. All restriction categories are generally applicable to certain classes of business cards that require temporary or short-term control and management of public accounts.
For example, when the transaction restriction category is a white list restriction category, only part of the transaction functions of the business card category need to be managed, and the transaction functions allowed by the business card category are managed and controlled through the white list transaction set corresponding to the white list restriction category. That is, the transaction functions included in the white list transaction set allow transactions for the business card category, and the transaction functions not included in the white list transaction set do not allow transactions for the business card category. The white list restricted categories and white list transaction sets are generally applicable to business card categories that only support a small portion of the transaction functions.
For example, when the transaction restriction category is the blacklist restriction category, only part of the transaction functions of the business card category need to be managed, and the transaction functions that are not allowed by the business card category are managed and controlled through the blacklist transaction set corresponding to the business card category and the blacklist restriction category. That is, the transaction functions included in the blacklisted transaction set are not allowed to be transacted for the business card category, and the transaction functions included in the blacklisted transaction set are not allowed to be transacted for the business card category. The blacklisted restricted categories and blacklisted transaction sets are generally applicable to the category of business cards that support most of the transaction functions.
Accordingly, after the transaction limit type of the business card type of the current transaction and the transaction function set corresponding to the transaction limit type of the business card type are determined, the current transaction is controlled based on the current transaction business card type and the transaction function set corresponding to the transaction limit type of the business card type, and whether the current transaction is allowed to be executed is determined.
In the embodiment of the invention, the business card category of the current transaction is determined according to the current transaction; determining the transaction limit type of the business card type of the current transaction according to the business card type of the current transaction; determining a business card type of the current transaction and a transaction function set corresponding to the transaction limit type of the business card type according to the business card type of the current transaction and the transaction limit type of the business card type; and controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type. The embodiment of the invention can determine the category of the business card based on the current transaction, firstly controls the limited category of the business card category through the transaction limited category, and then controls the transaction of the current transaction through the transaction function set, thereby improving the flexibility of controlling the transaction of the business card of the public account.
Fig. 2 shows a flow of implementing step 102 in the transaction control method provided by the second embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and detailed descriptions are as follows:
in an embodiment of the present invention, in order to improve the efficiency of determining the transaction limitation category, as shown in fig. 2, step 102, determining the transaction limitation category of the business card category of the current transaction according to the business card category of the current transaction, includes:
step 201, acquiring a pre-configured transaction limit category table from a database according to the category of the current transaction business card; the transaction limit type table comprises business card types and corresponding transaction limit types;
step 202, determining the transaction limit type of the business card type of the current transaction according to the acquired transaction limit type table.
When determining the transaction limit category of the current transaction's business card category, a transaction limit category table is first obtained from a database based on the current transaction's business card category. The transaction limit category table is a database table pre-configured in a database, and comprises different business card categories, transaction limit categories corresponding to the different business card categories, and corresponding relations between the different business card categories and the transaction limit categories. The transaction limit category table can be seen in table one below:
organization number code Card BIN number Business card class (number) Transaction restriction categories
109 99999 Full-function card (9001) A
109 99999 Cash withdrawal card (9002) D
109 99999 Purchasing card (9003) E
109 99999 Cashier's card (9004) N
Watch 1
The transaction restriction category a represents an unrestricted category, the transaction restriction category D represents a whitelist restriction category, the transaction restriction category E represents a blacklist restriction category, and the transaction restriction category N represents all restriction categories.
After the transaction limit category table is obtained from the database, the transaction limit category corresponding to the business card category corresponding to the current transaction is determined based on the business card category and the corresponding transaction limit category. For example, if the business card category corresponding to the current transaction is the cash-out card (9002), the transaction limit category corresponding to the cash-out card (9002) is the transaction limit category D, that is, the white list limit category, and various transaction functions allowed by the cash-out card (9002) are managed by the white list transaction set. For example, assuming that the business card category corresponding to the current transaction is the cash register card (9004), the transaction limit category corresponding to the cash register card (9004) is the transaction limit category N, i.e., the full limit category, various transaction functions of the cash register card (9004) are temporarily or permanently masked or limited, and so on.
In the embodiment of the invention, the pre-configured transaction limit category table is obtained from the database according to the category of the current transaction business card, and the transaction limit category of the current transaction business card category is determined according to the obtained transaction limit category table, so that the efficiency of determining the transaction limit category can be improved.
Fig. 3 shows a flow of step 103 in the transaction control method provided by the third embodiment of the present invention, and for convenience of description, only the relevant parts related to the embodiment of the present invention are shown, and the following details are described below:
in an embodiment of the present invention, in order to improve the efficiency of determining the transaction function set, as shown in fig. 3, step 103, determining the transaction function set corresponding to the current transaction business card type and the transaction limit type of the business card type according to the current transaction business card type and the transaction limit type of the business card type, includes:
301, obtaining a pre-configured category transaction table from a database according to the category of the current transaction business card and the transaction limit category of the business card; the category transaction table comprises a business card category and a transaction limit category of the business card category, and a transaction function set corresponding to the business card category and the transaction limit category of the business card category;
step 302, determining the business card type of the current transaction and the transaction function set corresponding to the transaction limit type of the business card type according to the obtained type transaction table.
When determining the business card type of the current transaction and the transaction function set corresponding to the transaction limit type of the business card type, firstly, a type transaction table is obtained from a database based on the business card type of the current transaction and the transaction limit type of the business card type. The category transaction table is a database table pre-configured in a database, and comprises different business card categories, different transaction limit categories corresponding to the different business card categories, transaction function sets corresponding to the different business card categories and the transaction limit categories, and corresponding relations between the business card categories and the transaction limit categories and the transaction function sets. The category transaction table can be seen in table two below:
organization number code Card BIN number Business card class (number) Transaction restriction categories Transaction function set (transaction code)
109 99999 Full-function card (9001) A XXX
109 99999 Cash withdrawal card (9002) D Withdrawal (801)
109 99999 Purchasing card (9003) E Cashier (802)
109 99999 Cashier's card (9004) N Collecting money (802), consuming (803)
Watch two
After the category transaction table is obtained from the database, based on the transaction limit category corresponding to the business card category, the transaction function set corresponding to the business card category and the transaction limit category corresponding to the business card category is determined. For example, if the category of the business card of the current transaction is a full-function card and the transaction limit category corresponding to the full-function card is an unlimited category a, the transaction set corresponding to the full-function card category and the unlimited category a may be set to null, that is, the full-function card can perform all transaction functions. Assuming that the category of the business card of the current transaction is a purchase card and the transaction restriction category corresponding to the purchase card is a blacklist restriction category E, the transaction set corresponding to the purchase card category and the blacklist restriction category E is a collection (802), which indicates that the current purchase card does not allow collection transaction.
Accordingly, based on the corresponding relationship between the business card type and the transaction limit type of the business card type in the category transaction table and the transaction function set, the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type is determined. The transaction function set corresponding to the different business card types and the transaction limit types of the business card types may also be a transaction set table pre-configured in the database.
In the embodiment of the invention, the pre-configured category transaction table is obtained from the database according to the transaction limit category of the business card category of the current transaction, the business card category of the current transaction and the transaction function set corresponding to the transaction limit category of the business card category are determined according to the obtained category transaction table, and the efficiency of determining the transaction function set can be improved.
In an embodiment of the present invention, to reduce the number of database tables and further improve the efficiency of determining transaction restriction categories or transaction function sets, the restriction category table and the category transaction table may be merged into a card category transaction table, where the card category transaction table not only includes different business card categories, transaction restriction categories corresponding to different business card categories, and correspondence between different business card categories and transaction restriction categories, but also includes transaction restriction categories for different business card categories, transaction function sets corresponding to different business card categories and transaction restriction categories, and correspondence between business card categories and transaction restriction categories and transaction function sets.
Fig. 4 shows a flow of implementing the transaction control method according to the fourth embodiment of the present invention, and for convenience of description, only the relevant parts related to the embodiment of the present invention are shown, and the following details are described below:
in one embodiment of the invention, the transaction limit categories include white list limit categories and the set of transaction functions includes a set of white list transaction functions. To further increase the flexibility of controlling public account commerce card transactions, as shown in FIG. 4, step 102, determining a transaction limit category for a commerce card category of a current transaction based on a commerce card category of the current transaction, includes:
step 401, determining the transaction limit category of the business card category of the current transaction as a white list limit category according to the business card category of the current transaction;
correspondingly, step 103, determining the transaction function set corresponding to the current transaction business card type and the transaction limit type of the business card type according to the current transaction business card type and the transaction limit type of the business card type, including:
step 402, determining a white list transaction function set corresponding to the current business card type and the white list restriction type of the business card type according to the current business card type and the white list restriction type of the business card type;
step 104, controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type, including:
step 403, if the white list transaction function set corresponding to the business card category of the current transaction and the white list restriction category of the business card category includes the transaction function of the current transaction, allowing the current transaction to be performed;
in step 404, if the white list transaction function set corresponding to the current business card category and the white list restriction category of the business card category does not include the transaction function of the current transaction, the current transaction is not allowed.
When controlling the business card transaction function, if the transaction limitation category of the business card category of the current transaction is determined to be the white list limitation category based on the business card category of the current transaction, the white list transaction function set corresponding to the white list limitation category of the business card category can be further determined. Then, whether the white list transaction function set contains the transaction function of the current transaction is judged. If so, the current transaction is allowed to proceed, and if not, the current transaction is not allowed to proceed.
For example, the current transaction is a cash-out transaction, and the specific transaction may be after determining the business card category of the cash-out transaction based on the transaction information (e.g., transaction card number, etc.) of the current transaction (cash-out transaction). And determining the transaction limit type of the cash-out card of the cash-out transaction as a white list limit type through a limit type table acquired from the database, and further determining a white list transaction function set corresponding to the white list limit type of the cash-out card of the cash-out transaction through a category transaction table acquired from the database. As can be seen from the second category transaction table, if the white list transaction function set corresponding to the white list restriction category corresponding to the cash withdrawal card includes cash withdrawal (801), the current cash withdrawal transaction is allowed to be performed.
In the embodiment of the invention, the transaction limit category of the current transaction business card category is determined to be a white list limit category according to the current transaction business card category, the current transaction business card category and the white list transaction function set corresponding to the white list limit category of the business card category are determined according to the white list limit category of the current transaction business card category, and if the current transaction business card category and the white list transaction function set corresponding to the white list limit category of the business card category contain the current transaction function, the current transaction is allowed to be carried out; if the white list transaction function set corresponding to the business card category of the current transaction and the white list limitation category of the business card category does not contain the transaction function of the current transaction, the current transaction is not allowed to be carried out, and the flexibility of controlling the public account business card transaction can be further improved.
Fig. 5 shows a flow of implementing the transaction control method according to the fifth embodiment of the present invention, and for convenience of description, only the relevant parts of the embodiment of the present invention are shown, and the following details are described below:
in one embodiment of the invention, the transaction limit categories include blacklisted transaction limit categories and the set of transaction functions includes a set of blacklisted transaction functions. To further increase the flexibility of controlling public account commerce card transactions, as shown in FIG. 5, step 102, determining a transaction limit category for a commerce card category of a current transaction based on a commerce card category of the current transaction, includes:
step 501, determining the transaction limit category of the business card category of the current transaction as the blacklist limit category according to the business card category of the current transaction;
step 103, determining a transaction function set corresponding to the current transaction business card type and the transaction limit type of the business card type according to the current transaction business card type and the transaction limit type of the business card type, including:
step 502, determining a blacklist transaction function set corresponding to the category of the current transaction business card and the blacklist limit category of the business card according to the category of the current transaction business card and the blacklist limit category of the business card;
step 104, controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type, including:
step 503, if the blacklist transaction function set corresponding to the category of the current transaction business card and the blacklist limit category of the business card includes the transaction function of the current transaction, the current transaction is not allowed to be performed;
step 504, if the blacklist transaction function set corresponding to the current transaction business card category and the blacklist restriction category of the business card category does not include the transaction function of the current transaction, the current transaction is allowed to be performed.
When controlling the business card transaction function, if the transaction limitation category of the business card category of the current transaction is determined to be the blacklist limitation category based on the business card category of the current transaction, the blacklist transaction function set corresponding to the blacklist limitation category of the business card category can be further determined. Then, whether the blacklist transaction function set contains the transaction function of the current transaction is judged. If so, the current transaction is not allowed to proceed, and if not, the current transaction is allowed to proceed.
For example, the current transaction is a cash receiving transaction, and in particular, the category of the business card of the cash receiving transaction may be determined based on the transaction information (e.g., the transaction card number, etc.) of the current transaction (cash receiving transaction). And determining the transaction limit category of the acquisition card corresponding to the money collection transaction as the blacklist limit category through the category transaction table acquired from the database, and further determining the blacklist transaction function set corresponding to the blacklist limit category of the acquisition card of the money collection transaction. Through the second category transaction table, it can be known that the blacklist transaction function set corresponding to the blacklist limit category corresponding to the purchase card includes a collection (802), that is, the blacklist transaction function set includes a current collection transaction, and the collection function of the purchase card is limited, that is, the current collection transaction is not allowed to be performed.
In the embodiment of the invention, the transaction limit category of the current transaction business card category is determined to be the blacklist limit category according to the current transaction business card category, the current transaction business card category and the blacklist transaction function set corresponding to the blacklist limit category of the business card category are determined according to the blacklist limit category of the current transaction business card category, and if the current transaction business card category and the blacklist transaction function set corresponding to the blacklist limit category of the business card category contain the current transaction function, the current transaction is not allowed to be carried out; if the blacklist transaction function set corresponding to the current transaction business card type and the blacklist limit type of the business card type does not contain the transaction function of the current transaction, the current transaction is allowed to be carried out, and the flexibility of controlling the public account business card transaction can be further improved.
Fig. 6 shows a flow of implementing the transaction control method according to the sixth embodiment of the present invention, and for convenience of description, only the relevant parts related to the embodiment of the present invention are shown, and the following details are described below:
in one embodiment of the invention, the transaction limit categories include an unlimited category. To improve the efficiency of business card transaction control, as shown in FIG. 6, step 102 determines a transaction limit category for the business card category of the current transaction based on the business card category of the current transaction, including:
601, determining the transaction limit type of the current transaction business card type as an unlimited type according to the current transaction business card type;
correspondingly, the transaction control method further comprises the following steps:
step 602, if the transaction limit type of the business card type of the current transaction is an unlimited type, allowing the current transaction.
When the limited type of the business card is the unlimited type, namely the transaction function of the business card is not limited, the business card can carry out all transactions. When the limited category of the business card is the unlimited category, the current transaction can be directly allowed to be executed without further judging the transaction function set corresponding to the unlimited category.
In the embodiment of the invention, the transaction limit category of the current transaction business card category is determined to be an unlimited category according to the current transaction business card category, if the transaction limit category of the current transaction business card category is the unlimited category, the current transaction is allowed to be carried out, and the efficiency of business card transaction control can be improved.
Fig. 7 shows a flow of implementing the transaction control method according to the seventh embodiment of the present invention, and for convenience of description, only the relevant parts related to the embodiment of the present invention are shown, and the following details are described below:
in one embodiment of the invention, the transaction limit categories include all of the limit categories. To improve the efficiency of business card transaction control, as shown in FIG. 7, step 102 determines a transaction limit category for the business card category of the current transaction based on the business card category of the current transaction, including:
step 701, determining the transaction limit category of the current transaction business card category as all limit categories according to the current transaction business card category;
correspondingly, the transaction control method further comprises the following steps:
in step 702, if the transaction restriction types of the current business card type are all restriction types, the current transaction is not allowed.
When the restriction type of the business card is all restriction types, all transaction functions of the business card are restricted, and the business card does not allow any transaction. When the restriction types of the business card are all restriction types, the current transaction can be directly refused without further judging the transaction function sets corresponding to all the restriction types.
In the embodiment of the invention, the transaction limit category of the current transaction business card category is determined to be all limit categories according to the current transaction business card category, if the transaction limit category of the current transaction business card category is all limit categories, the current transaction is not allowed, and the efficiency of business card transaction control can be improved.
In an embodiment of the present invention, to further improve flexibility of controlling transactions of the business card with the public account, the transaction control method further includes, based on the above method steps:
configuring a transaction limit category table of at least one business card category of the public account according to the received configuration instruction; and/or
Configuring a category transaction table of at least one business card category for the public account according to the received configuration instruction; and/or
And configuring a white list transaction function set and/or a black list transaction function set corresponding to at least one business card type of the public account and the transaction limit type of the business card type according to the received configuration instruction.
In addition, in order to further improve the flexibility of the transaction control of the public account business card, the configured transaction limit category table and/or category transaction table and/or white list transaction function set and black list transaction function set can be modified according to the received configuration modification instruction.
Embodiments of the present invention further provide a transaction control device, as described in the following embodiments. Since the principle of solving the problems of these devices is similar to the transaction control method, the implementation of these devices can be referred to the implementation of the method, and the repeated descriptions are omitted.
Fig. 8 shows functional modules of a transaction control device according to an eighth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
referring to fig. 8, each module included in the transaction control device is used to execute each step in the embodiment corresponding to fig. 1, and please refer to fig. 1 and the related description in the embodiment corresponding to fig. 1 for details, which are not repeated herein. In the embodiment of the present invention, the transaction control device includes a category determination module 801, a restriction category determination module 802, a transaction set determination module 803, and a transaction control module 804.
A category determining module 801, configured to determine a category of the business card of the current transaction according to the current transaction.
A limit type determining module 802, configured to determine a transaction limit type of the current business card type according to the current business card type of the transaction.
The transaction set determining module 803 is configured to determine a transaction function set corresponding to the current transaction business card type and the transaction limit type of the business card type according to the current transaction business card type and the transaction limit type of the business card type.
The transaction control module 804 is configured to control the current transaction according to the category of the current transaction business card and the transaction function set corresponding to the transaction limit category of the business card.
In the embodiment of the present invention, the category determining module 801 determines the category of the business card of the current transaction according to the current transaction; the limit type determining module 802 determines a transaction limit type of the current transaction business card type according to the current transaction business card type; the transaction set determination module 803 determines the transaction function set corresponding to the current transaction business card type and the transaction limit type of the business card type according to the current transaction business card type and the transaction limit type of the business card type; the transaction control module 804 controls the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type. The embodiment of the invention can determine the category of the business card based on the current transaction, firstly the limit category determining module 802 controls the limit category of the business card category through the transaction limit category, and then the transaction control module 804 controls the transaction of the current transaction through the transaction function set, thereby improving the flexibility of controlling the transaction of the business card of the public account.
Fig. 9 shows a schematic structure of a restriction category determining module 802 in a transaction control device according to a ninth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and detailed descriptions are as follows:
in an embodiment of the present invention, in order to improve the efficiency of determining the transaction limitation type, referring to fig. 9, each unit included in the limitation type determining module 802 is configured to execute each step in the embodiment corresponding to fig. 2, specifically please refer to fig. 2 and the related description in the embodiment corresponding to fig. 2, which is not described herein again. In the embodiment of the present invention, the restriction type determining module 802 includes a transaction restriction type table obtaining unit 901 and a restriction type determining unit 902.
A transaction restriction type table obtaining unit 901, configured to obtain a pre-configured transaction restriction type table from a database according to the type of the current transaction business card; the transaction limit category table includes the business card category and its corresponding transaction limit category.
And a limit type determining unit 902, configured to determine a transaction limit type of the current transaction business card type according to the acquired transaction limit type table.
In the embodiment of the present invention, the transaction limitation type table obtaining unit 901 obtains a pre-configured transaction limitation type table from a database according to the type of the current transaction business card, and the limitation type determining unit 902 determines the transaction limitation type of the current transaction business card according to the obtained transaction limitation type table, so that the efficiency of determining the transaction limitation type can be improved.
Fig. 10 shows a schematic structure of a transaction set determination module 803 in a transaction control device according to a tenth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and detailed as follows:
in an embodiment of the present invention, in order to improve the efficiency of determining the transaction function set, referring to fig. 10, each unit included in the transaction set determining module 803 is configured to execute each step in the embodiment corresponding to fig. 3, specifically please refer to fig. 3 and the related description in the embodiment corresponding to fig. 3, which is not described herein again. In this embodiment of the present invention, the transaction set determining module 803 includes a category transaction table obtaining unit 1001 and a transaction set determining unit 1002.
A category transaction table obtaining unit 1001 configured to obtain a category transaction table configured in advance from a database according to a category of a current transaction business card and a transaction restriction category of the category business card; the category transaction table includes a business card category and a transaction limit category of the business card category, and a transaction function set corresponding to the business card category and the transaction limit category of the business card category.
The transaction set determining unit 1002 is configured to determine a category of a business card of a current transaction and a transaction function set corresponding to a transaction limit category of the business card category according to the obtained category transaction table.
In the embodiment of the present invention, the category transaction table obtaining unit 1001 obtains a pre-configured category transaction table from a database according to the transaction restriction category of the business card category of the current transaction, and the transaction set determining unit 1002 determines the business card category of the current transaction and the transaction function set corresponding to the transaction restriction category of the business card category according to the obtained category transaction table, so that the efficiency of determining the transaction function set can be improved.
Fig. 11 shows a schematic configuration of a transaction control device according to an eleventh embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
in one embodiment of the invention, the transaction limit categories include white list limit categories and the set of transaction functions includes a set of white list transaction functions. In order to further improve the flexibility of controlling the transaction of the public account business card, referring to fig. 11, each unit included in the transaction control device is used for executing each step in the embodiment corresponding to fig. 4, and specific reference is made to fig. 4 and the related description in the embodiment corresponding to fig. 4, which are not repeated herein. In this embodiment of the present invention, the restriction category determining module 802 includes a white list restriction category determining unit 1101.
A white list restriction type determining unit 1101, configured to determine, according to the category of the current transaction business card, that the transaction restriction type of the current transaction business card category is the white list restriction type.
Accordingly, the transaction set determination module 803 includes a white list transaction set determination unit 1102.
The white list transaction set determining unit 1102 is configured to determine a white list transaction function set corresponding to the category of the current transaction business card and the white list restriction category of the business card according to the category of the current transaction business card and the white list restriction category of the business card.
Accordingly, the transaction control module 804 includes a first allowed transaction unit 1103 and a first disallowed transaction unit 1104.
A first transaction permission unit 1103, configured to permit the current transaction if the current transaction business card type and the white list transaction function set corresponding to the white list restriction type of the business card type include the transaction function of the current transaction.
A first disallowance transaction unit 1104, configured to disallow the current transaction if the white list transaction function set corresponding to the current business card category and the white list restriction category of the business card category does not include the transaction function of the current transaction.
In the embodiment of the present invention, a white list restriction type determining unit 1101 determines, according to a category of a current transaction business card, that a category of a current transaction business card and a category of a business card of the category of the business card are white list restriction types, a white list transaction set determining unit 1102 determines, according to the category of the current transaction business card and the category of the current transaction white list restriction types, a white list transaction function set corresponding to the category of the current transaction business card and the category of the business card, and a first permission transaction unit 1103 allows the current transaction if the white list transaction function set corresponding to the category of the current transaction business card and the category of the business card includes a transaction function of the current transaction; the first disallowance transaction unit 1104 disallows the current transaction if the white list transaction function set corresponding to the current transaction business card type and the white list restriction type of the business card type does not include the transaction function of the current transaction, thereby further improving the flexibility of controlling the public account business card transaction.
Fig. 12 is a schematic diagram showing a configuration of a transaction control device according to a twelfth embodiment of the present invention, and only shows portions related to the embodiment of the present invention for convenience of explanation, and the details are as follows:
in one embodiment of the invention, the transaction limit categories include blacklisted transaction limit categories and the set of transaction functions includes a set of blacklisted transaction functions. In order to further improve the flexibility of controlling the transaction of the public account business card, referring to fig. 12, each unit included in the transaction control device is used for executing each step in the embodiment corresponding to fig. 5, and specific reference is made to fig. 5 and the related description in the embodiment corresponding to fig. 5, which are not repeated herein. In this embodiment of the present invention, the restriction category determining module 802 includes a blacklist restriction category determining unit 1201.
A blacklist restriction category determining unit 1201, configured to determine, according to the category of the current transaction business card, that the transaction restriction category of the current transaction business card category is a blacklist restriction category.
Accordingly, the transaction set determination module 803 includes a blacklisted transaction set determination unit 1202.
A blacklist transaction set determining unit 1202, configured to determine a category of the current transaction business card and a blacklist transaction function set corresponding to the blacklist restriction category of the business card category according to the blacklist restriction category of the business card category of the current transaction.
Accordingly, the transaction control module 804 includes a second disallowed transaction unit 1203 and a second allowed transaction unit 1204.
A second disallowance transaction unit 1203, configured to disallow the current transaction if the blacklist transaction function set corresponding to the current transaction business card type and the blacklist restriction type of the business card type includes the transaction function of the current transaction.
A second transaction permission unit 1204, configured to allow the current transaction to be performed if the blacklist transaction function set corresponding to the current transaction business card category and the blacklist restriction category of the business card category does not include the transaction function of the current transaction.
In this embodiment of the present invention, the blacklist restriction type determining unit 1201 determines, according to the category of the current transaction business card, that the transaction restriction type of the current transaction business card is the blacklist restriction type, the blacklist transaction set determining unit 1202 determines, according to the blacklist restriction type of the current transaction business card, a blacklist transaction function set corresponding to the blacklist restriction type of the current transaction business card, and the second disallowed transaction unit 1203, if the blacklist transaction function set corresponding to the category of the current transaction business card and the blacklist restriction type of the business card includes the transaction function of the current transaction, disallows the current transaction; the second transaction permission unit 1204 allows the current transaction to be performed if the blacklist transaction function set corresponding to the category of the current transaction business card and the blacklist restriction category of the business card does not include the transaction function of the current transaction, which can further improve the flexibility of controlling the public account business card transaction.
Fig. 13 shows a schematic configuration of a transaction control device according to a thirteenth embodiment of the present invention, and for convenience of explanation, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
in one embodiment of the invention, the transaction limit categories include an unlimited category. In order to improve the efficiency of business card transaction control, referring to fig. 13, each module or unit included in the transaction control device is used to execute each step in the embodiment corresponding to fig. 6, and specific reference is made to the relevant description in the embodiments corresponding to fig. 6 and fig. 7, which is not repeated herein. In this embodiment of the present invention, the restriction category determining module 802 includes an unrestricted category determining unit 1301.
An unlimited category determining unit 1301, configured to determine, according to the category of the current transaction business card, a transaction limited category of the current transaction business card category as an unlimited category.
Accordingly, the transaction control device further includes an unlimited transaction control module 1302.
An unlimited transaction control module 1302, configured to allow the current transaction to be performed if the transaction limitation type of the current transaction business card type is an unlimited type.
In this embodiment of the present invention, the unlimited type determining unit 1301 determines, according to the category of the current transaction business card, that the transaction limitation category of the current transaction business card category is an unlimited category, and if the transaction limitation category of the current transaction business card category is an unlimited category, the unlimited transaction control module 1302 allows the current transaction, so as to improve the efficiency of business card transaction control.
Fig. 14 shows a schematic structure of a transaction control device according to a fourteenth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, and the details are as follows:
in one embodiment of the invention, the transaction limit categories include all of the limit categories. In order to improve the efficiency of business card transaction control, referring to fig. 14, each unit included in the transaction control device is used for executing each step in the embodiment corresponding to fig. 7, and specific reference is made to fig. 7 and the related description in the embodiment corresponding to fig. 7, which are not repeated herein. In this embodiment of the present invention, the restriction category determining module 802 includes an all restriction category determining unit 1401.
And an all-restriction-type determining unit 1401, configured to determine, according to the category of the current transaction, that the transaction restriction type of the commerce card type corresponding to the current transaction is the all-restriction type.
Accordingly, the transaction control device further includes an all-restricted transaction control module 1402.
An all-restricted transaction control module 1402, configured to disallow the current transaction if the transaction restriction category of the business card category of the current transaction is all restriction categories.
In the embodiment of the present invention, the all-restriction-type determining unit 1401 determines that the transaction restriction type of the current transaction business card type is the all restriction type according to the current transaction business card type, and if the transaction restriction type of the current transaction business card type is the all restriction type, the all-restriction-transaction controlling module 1402 does not allow the current transaction, thereby improving the efficiency of business card transaction control.
In an embodiment of the present invention, in order to further improve flexibility of controlling transactions of the public account business card, the transaction control device further includes a first configuration instruction module and/or a second configuration instruction module and/or a third configuration instruction module on the basis of the above module structure.
The first configuration instruction module is used for configuring a transaction limit category table of at least one business card category of the public account according to the received configuration instruction.
And the second configuration instruction module is used for configuring a category transaction table of at least one business card category of the public account according to the received configuration instruction.
And the third configuration instruction module is used for configuring a white list transaction function set and/or a black list transaction function set corresponding to at least one business card type of the public account and the transaction limit type of the business card type according to the received configuration instruction.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the transaction control method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above transaction control method is stored in the computer-readable storage medium.
In summary, in the embodiments of the present invention, the category of the business card of the current transaction is determined according to the current transaction; determining the transaction limit type of the business card type of the current transaction according to the business card type of the current transaction; determining a business card type of the current transaction and a transaction function set corresponding to the transaction limit type of the business card type according to the business card type of the current transaction and the transaction limit type of the business card type; and controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type. The embodiment of the invention can determine the category of the business card based on the current transaction, firstly controls the limited category of the business card category through the transaction limited category, and then controls the transaction of the current transaction through the transaction function set, thereby improving the flexibility of controlling the transaction of the business card of the public account.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the 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.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (10)

1. A transaction control method, comprising:
determining the category of the business card of the current transaction according to the current transaction;
determining the transaction limit type of the business card type of the current transaction according to the business card type of the current transaction;
determining a business card type of the current transaction and a transaction function set corresponding to the transaction limit type of the business card type according to the business card type of the current transaction and the transaction limit type of the business card type;
and controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type.
2. The transaction control method of claim 1, wherein determining the transaction limit category for the current transaction's commerce card category based on the current transaction's commerce card category comprises:
acquiring a pre-configured transaction limit category table from a database according to the category of the current transaction business card; the transaction limit type table comprises business card types and corresponding transaction limit types;
and determining the transaction limit type of the business card type of the current transaction according to the acquired transaction limit type table.
3. The method as claimed in claim 1, wherein determining the transaction function set corresponding to the current business card type and the transaction limit type of the business card type according to the current business card type and the transaction limit type of the business card type comprises:
acquiring a pre-configured category transaction table from a database according to the category of the current transaction business card and the transaction limit category of the business card; the category transaction table comprises a business card category and a transaction limit category of the business card category, and a transaction function set corresponding to the business card category and the transaction limit category of the business card category;
and determining the category of the current transaction business card and the transaction function set corresponding to the transaction limit category of the business card category according to the acquired category transaction table.
4. The transaction control method of claim 1, wherein the transaction limit category comprises a white list limit category and the set of transaction functions comprises a white list set of transaction functions; determining a transaction limit category for the current transaction commerce card category based on the current transaction commerce card category, comprising:
determining the transaction limit category of the business card category of the current transaction as a white list limit category according to the business card category of the current transaction;
determining a business card type of the current transaction and a transaction function set corresponding to the transaction limit type of the business card type according to the business card type of the current transaction and the transaction limit type of the business card type, wherein the transaction function set comprises:
determining the current business card category and a white list transaction function set corresponding to the white list restriction category of the business card category according to the white list restriction category of the current business card category;
controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type, comprising:
if the white list transaction function set corresponding to the business card category of the current transaction and the white list limitation category of the business card category comprises the transaction function of the current transaction, allowing the current transaction to be carried out;
and if the white list transaction function set corresponding to the business card type of the current transaction and the white list limitation type of the business card type does not contain the transaction function of the current transaction, the current transaction is not allowed to be carried out.
5. The transaction control method of claim 1, wherein the transaction limit category comprises a blacklisted limit category and the set of transaction functions comprises a blacklisted set of transaction functions; determining the business card type of the current transaction and the transaction limit type of the business card type according to the business card type of the current transaction, wherein the steps comprise:
determining the transaction limit category of the business card category of the current transaction as the blacklist limit category according to the business card category of the current transaction;
determining a business card type of the current transaction and a transaction function set corresponding to the transaction limit type of the business card type according to the business card type of the current transaction and the transaction limit type of the business card type, wherein the transaction function set comprises:
determining the category of the current business card and a blacklist transaction function set corresponding to the blacklist limit category of the business card category according to the blacklist limit category of the business card category of the current transaction;
controlling the current transaction according to the transaction function set corresponding to the business card type of the current transaction and the transaction limit type of the business card type, comprising:
if the blacklist transaction function set corresponding to the business card category of the current transaction and the blacklist limit category of the business card category comprises the transaction function of the current transaction, the current transaction is not allowed to be carried out;
and if the blacklist transaction function set corresponding to the business card category of the current transaction and the blacklist limit category of the business card category does not contain the transaction function of the current transaction, allowing the current transaction to be carried out.
6. The transaction control method of claim 1, wherein the transaction limit categories include an unlimited category, and determining the transaction limit category for the current transaction's business card category based on the current transaction's business card category comprises:
determining the transaction limit type of the business card type of the current transaction as an unlimited type according to the business card type of the current transaction;
and if the transaction limit type of the business card type of the current transaction is the unlimited type, allowing the current transaction to be carried out.
7. The transaction control method of claim 1, wherein the transaction limit categories include all limit categories, and determining the transaction limit category for the current transaction's business card category based on the current transaction's business card category comprises:
determining the transaction limit type of the business card type of the current transaction as all limit types according to the business card type of the current transaction;
if the transaction limit type of the business card type of the current transaction is all limit types, the current transaction is not allowed to be carried out.
8. A transaction control device, comprising:
the category determining module is used for determining the category of the business card of the current transaction according to the current transaction;
the limit type determining module is used for determining the transaction limit type of the business card type of the current transaction according to the business card type of the current transaction;
the transaction set determining module is used for determining a transaction function set corresponding to the category of the current transaction business card and the transaction limit category of the business card category according to the category of the current transaction business card and the transaction limit category of the business card category;
and the transaction control module is used for controlling the current transaction according to the business card type of the current transaction and the transaction function set corresponding to the transaction limit type of the business card type.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the transaction control method of any of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium storing a computer program for executing the transaction control method according to any one of claims 1 to 7.
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