CN112036891A - Transaction control method and device, computer equipment and computer-readable storage medium - Google Patents
Transaction control method and device, computer equipment and computer-readable storage medium Download PDFInfo
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Abstract
The invention discloses a transaction control method and device, computer equipment and a computer readable storage medium, wherein the transaction control method comprises the following steps: acquiring transaction attribute parameters of current transaction; determining the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction from a pre-configured transaction control table according to the transaction attribute parameter of the current transaction; and carrying out transaction control on the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction. The invention flexibly configures the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter through the pre-configured transaction control table, and controls the transaction of the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction during the transaction, thereby improving the flexibility of transaction control and submitting the security of the transaction.
Description
Technical Field
The present invention relates to the field of financial transaction technologies, and in particular, to a transaction control method and apparatus, a computer device, and a computer-readable storage medium.
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.
Bank card transactions are one of the important ways of paying for daily transactions, and have become an indispensable part of the daily life of people. However, bank card transactions also present a serious security risk. For example, a lawbreaker copies another person's bank card by some means, thereby stealing the cardholder's funds, which is easily stolen like a magnetic stripe bank card.
Currently, the security of the bank card is generally ensured by controlling the transaction of the bank card. However, when controlling the transaction of the bank card, the prior art only controls the accumulated times or the accumulated amount of money of the transaction of the bank card within a certain period, which results in poor flexibility of controlling the transaction of the bank card. In addition, after others pick up or steal the bank card of the cardholder, if the accumulated number of times or the accumulated amount of money is not exceeded, the hidden danger of the bank card fund steal still exists, so that the transaction security of the bank card is low.
Therefore, the problems of poor control flexibility and low transaction safety exist in the conventional transaction control.
Disclosure of Invention
The embodiment of the invention provides a transaction control method, which is used for improving the flexibility and the security of transaction control and comprises the following steps:
acquiring transaction attribute parameters of current transaction;
determining the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction from a pre-configured transaction control table according to the transaction attribute parameter of the current transaction; the transaction control table comprises transaction attribute parameters and transaction control states of at least one corresponding transaction limiting parameter;
and carrying out transaction control on the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction.
The embodiment of the invention also provides a transaction control device, which is used for improving the flexibility and the security of transaction control, and comprises:
the attribute parameter acquisition module is used for acquiring transaction attribute parameters of the current transaction;
the control state determining module is used for determining the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction from a pre-configured transaction control table according to the transaction attribute parameter of the current transaction; the transaction control table comprises transaction attribute parameters and transaction control states of at least one corresponding transaction limiting parameter;
and the transaction control module is used for controlling the transaction of the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction.
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 transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter is flexibly configured through a pre-configured transaction control table, and the transaction control is carried out on the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction during the transaction, so that the flexibility of transaction control can be improved, and the transaction safety can be submitted.
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 an implementation of a transaction control method according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating a step 101 in a transaction control method according to an embodiment of the present invention;
fig. 3 is a flowchart illustrating an implementation of step 103 in a transaction control method according to an embodiment of the present invention;
FIG. 4 is a flowchart illustrating an implementation of step 302 in a transaction control method according to an embodiment of the present invention;
FIG. 5 is a flowchart illustrating another implementation of step 302 in a transaction control method according to an embodiment of the invention;
FIG. 6 is a flowchart of another implementation of a transaction control method according to an embodiment of the present invention;
FIG. 7 is a functional block diagram of a transaction control device according to an embodiment of the present invention;
fig. 8 is a block diagram illustrating an attribute parameter obtaining module 701 in a transaction control device according to an embodiment of the present invention;
fig. 9 is a block diagram illustrating a transaction control module 703 in the transaction control apparatus according to an embodiment of the present invention;
fig. 10 is a block diagram illustrating a configuration of a transaction disallowance unit 902 in the transaction control apparatus according to an embodiment of the present invention;
fig. 11 is a block diagram illustrating another structure of a transaction disallowance unit 902 in the transaction control device according to an embodiment of the present invention;
fig. 12 is another functional block diagram of a transaction control device according to an embodiment of the 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 illustrates an implementation flow of a transaction control method provided by an embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are illustrated, and the following details are provided:
as shown in fig. 1, a transaction control method includes:
102, determining the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction from a pre-configured transaction control table according to the transaction attribute parameter of the current transaction; the transaction control table comprises transaction attribute parameters and transaction control states of at least one corresponding transaction limiting parameter;
and 103, performing transaction control on the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction.
In the embodiment of the invention, the transaction attribute parameters of the current transaction reflect the transaction attribute information of the current transaction. For example, the transaction type, the banking institution to which the transaction belongs or the transaction bank card type, etc. may be included. In a preferred embodiment, the transaction attribute parameters include a bank card type and/or a transaction type. It will be understood by those skilled in the art that the transaction attribute parameters may also include other transaction attribute parameters besides the above-mentioned bank card type and/or transaction type, such as the type of banking institution to which the transaction belongs, and the like, and the embodiments of the present invention are not limited in particular.
The bank card type can be determined according to different classification standards such as bank card media or bank card product types. For example, the bank card types may include at least a magnetic stripe bank card, a chip bank card, and the like according to the bank card media classification standard. The transaction is divided according to transaction types, and can be divided into different transaction types such as transfer, deposit, withdrawal, consumption and the like.
Thus, the transaction attribute parameters for the current transaction may be obtained based on the current transaction as the transaction occurs. The transaction control table is a pre-configured transaction control table and comprises transaction attribute parameters, transaction control states of at least one transaction limiting parameter corresponding to the transaction attribute parameters, and a mutual printing relation between the transaction attribute parameters and the transaction control states of the at least one transaction limiting parameter.
The transaction limiting parameter is a parameter for limiting the transaction. In a preferred embodiment, the at least one transaction limiting parameter comprises one or more of the following parameters: institution parameters, product parameters, and account parameters. The institution parameters refer to an account opening institution corresponding to the bank card for transaction, and the product parameters refer to the product type of the bank card for transaction, such as different types of bank card products released by the same bank institution (or network). The account parameters are the specific bank card account to which the transaction corresponds. It will be understood by those skilled in the art that the transaction limiting parameters may also include other transaction limiting parameters besides the above institution parameters, product parameters and account parameters, such as banking institution parameters, etc., and the embodiments of the present invention are not limited thereto.
An exemplary transaction control table is provided below for reference:
for example, when the type of the bank card in the transaction attribute parameters of the current transaction is a magnetic stripe and the transaction type is cash withdrawal, the mechanism parameters in the corresponding transaction limiting parameters are mechanism a, and the transaction control state of the mechanism a is the opening of the transaction function; the product parameter in the transaction limiting parameter is product A, and the transaction control state of the product A is the opening of the transaction function; the account parameter in the transaction limiting parameter is account A, and the transaction control state of the account A is closing of the transaction function.
And after the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction is determined from the transaction control table, controlling the current transaction according to the transaction control state of the at least one transaction limiting parameter.
The transaction control state of the corresponding organization A is the transaction function opening, the transaction control state of the product A is the transaction function opening, the transaction control state of the account A is the transaction function closing, and the current transaction is allowed to be carried out only when the transaction control states of all the transaction limiting parameters are the transaction function opening; and as long as the transaction control state with one transaction limiting parameter is that the transaction function is closed, the current transaction is not allowed to be carried out.
In the embodiment of the invention, the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter is flexibly configured through a pre-configured transaction control table, and the transaction control is carried out on the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction during the transaction, so that the flexibility of transaction control can be improved, and the transaction safety can be submitted.
Fig. 2 shows an implementation flow of step 101 in the transaction control method provided by the 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 an embodiment of the present invention, in order to improve the efficiency of obtaining the transaction attribute parameters, as shown in fig. 2, step 101, obtaining the transaction attribute parameters of the current transaction includes:
Since the transaction information records various elements of the occurrence of the transaction, it is possible to reflect various information of the transaction. And when the transaction occurs, acquiring the transaction information of the current transaction, and further determining the type of the bank card, the transaction type and the like of the current transaction based on the transaction information of the current transaction.
In the embodiment of the invention, the transaction information of the current transaction is acquired, the bank card type and/or the transaction type of the current transaction are determined according to the transaction information of the current transaction, and the efficiency of acquiring the transaction attribute parameters can be improved.
Fig. 3 illustrates an implementation flow of step 103 in the transaction control method provided by the embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are illustrated, and the following details are described below:
in an embodiment of the present invention, the transaction control state includes a transaction function on state and a transaction function off state. In order to effectively implement flexible control on the current transaction, as shown in fig. 3, step 103, performing transaction control on the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction, includes:
And when the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction is determined, judging whether the transaction control state of the at least one transaction limiting parameter is the transaction function opening or the transaction function closing. The transaction function being on means that the transaction is allowed under the current transaction limit parameters and the transaction function being off means that the transaction is not allowed under the current transaction limit parameters.
Therefore, the current transaction is allowed to be carried out only when the transaction control states of all the transaction limiting parameters are the transaction function opening states; and as long as one transaction function is closed in the transaction control states of all transaction limiting parameters, the current transaction is not allowed to be carried out.
In the embodiment of the invention, when the transaction control states of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction are transaction function opening states, the current transaction is allowed to be transacted; when the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function closing state, the current transaction is not allowed to be conducted, and the flexible control of the transaction can be effectively realized.
Fig. 4 shows an implementation flow of step 302 in the transaction control method provided by the 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 detailed description is as follows:
in an embodiment of the present invention, in order to improve the efficiency of transaction control, as shown in fig. 4, in step 302, when the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function closed state, not allowing the current transaction to perform a transaction includes:
In view of the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction, as long as one transaction function is closed, the current transaction is not allowed to be performed, and at this time, the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction can be respectively determined through parallel processing. When the transaction control state of the at least one transaction limiting parameter exists in the at least one transaction function closing state, the current transaction is not allowed to be carried out.
In the embodiment of the invention, the transaction control states of at least one transaction limiting parameter corresponding to the transaction attribute parameters of the current transaction are respectively determined, and when the transaction control states of at least one transaction limiting parameter corresponding to the transaction attribute parameters of the current transaction have at least one transaction function closing state, the current transaction is not allowed to be transacted, so that the efficiency of transaction control can be improved.
Fig. 5 shows another implementation flow of step 302 in the transaction control method provided by the 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 an embodiment of the present invention, in order to improve the accuracy of transaction control, as shown in fig. 5, in step 302, when the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function closed state, not allowing the current transaction to perform a transaction includes:
and step 502, when the transaction control state of the transaction limiting parameter in the previous sequence is the transaction function closing state, not allowing the current transaction to carry out the transaction.
When the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction is determined, the sequence of the at least one transaction limiting parameter may be set, for example, the transaction control state of the institution parameter is checked first, and the transaction control states of the product parameter and the account parameter are checked in sequence.
For example, when the transaction control state of the organization parameter in the previous order is that the transaction function is closed, the current transaction is not allowed to be performed; when the transaction control state of the prior mechanism parameter is the transaction function, the transaction control state of the product parameter after the sequence is further checked, when the transaction control state of the product parameter after the sequence is the transaction function closed, the current transaction is also not allowed to be carried out, when the transaction control state of the product parameter after the sequence is the transaction function, the transaction control state of the account parameter is further checked, when the transaction control state of the account parameter is the transaction function closed, the current transaction is not allowed to be carried out, and when the transaction control state of the account parameter is the transaction function open, the current transaction is allowed to be carried out.
In the embodiment of the invention, the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction is determined in sequence, and when the transaction control state of the transaction limiting parameter in the sequence before is the transaction function closing state, the current transaction is not allowed to be carried out, so that the accuracy of transaction control can be improved.
Fig. 6 shows another implementation flow of the transaction control method provided by the 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 an embodiment of the present invention, in order to further improve flexibility of transaction control, as shown in fig. 6, the transaction control method further includes, on the basis of the above method steps:
601, determining the validity period of the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction from a pre-configured transaction control table;
correspondingly, step 103, performing transaction control on the current transaction according to the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction, includes:
The pre-configured transaction control table also comprises a validity period of the transaction control state of at least one transaction limiting parameter, namely, the transaction is further flexibly controlled through the validity period. Please refer to the transaction control table.
And further determining the validity period of the transaction control state of at least one transaction limiting parameter from the transaction control table after determining the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction. And allowing the current transaction to be carried out only when the transaction control states of the at least one transaction limiting parameter are transaction function opening states and the valid periods of the transaction control states of the at least one transaction limiting parameter comprise the transaction time of the current transaction. And when the transaction control states of the at least one transaction limiting parameter are transaction function opening states, but the valid period of the transaction control state of the at least one transaction limiting parameter does not include the transaction time of the current transaction, the current transaction is not allowed.
In addition, when at least one transaction function is closed in the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction, the current transaction can be determined not to be allowed to be carried out without looking up the valid period of the transaction control state of the at least one transaction limiting parameter.
In the embodiment of the invention, the valid period of the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction is determined from a pre-configured transaction control table, and when the transaction control states of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction are transaction function opening states and the valid period of the transaction control state of at least one transaction limiting parameter contains the transaction time of the current transaction, the current transaction is allowed to carry out the transaction; when the transaction control states of the at least one transaction limiting parameter corresponding to the transaction attribute parameters of the current transaction are transaction function opening states, but at least one validity period of the transaction control states of the at least one transaction limiting parameter does not include the transaction time of the current transaction, the current transaction is not allowed to be conducted, and the flexibility of transaction control can be further improved.
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. 7 shows functional modules of a transaction control device provided in an 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. 7, each module included in the transaction control device is used to execute each step in the embodiment corresponding to fig. 1, and specific reference is made to fig. 1 and the related description in the embodiment corresponding to fig. 1, which are not repeated herein. In the embodiment of the present invention, the transaction control device includes an attribute parameter obtaining module 701, a control state determining module 702, and a transaction control module 703.
An attribute parameter obtaining module 701, configured to obtain a transaction attribute parameter of a current transaction.
A control state determining module 702, configured to determine, according to the transaction attribute parameter of the current transaction, a transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction from a pre-configured transaction control table; the transaction control table includes transaction control states for the transaction attribute parameters and their corresponding at least one transaction limit parameter.
The transaction control module 703 is configured to perform transaction control on the current transaction according to a transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction.
In the embodiment of the present invention, the transaction control state of at least one transaction limiting parameter corresponding to a transaction attribute parameter is flexibly configured through a pre-configured transaction control table, and the transaction control module 703 performs transaction control on a current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction during the transaction, so that the flexibility of transaction control can be improved, and the security of the transaction can be submitted at the same time.
In an embodiment of the invention, the transaction attribute parameters comprise a bank card type and/or a transaction type; the at least one transaction limiting parameter comprises one or more of the following parameters: institution parameters, product parameters, and account parameters.
Fig. 8 shows a schematic structure of the attribute parameter obtaining module 701 in the transaction control device according to the 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 an embodiment of the present invention, in order to improve the efficiency of obtaining the transaction attribute parameters, referring to fig. 8, each unit included in the attribute parameter obtaining module 701 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 attribute parameter obtaining module 701 includes a transaction information obtaining unit 801 and a type determining unit 802.
A transaction information obtaining unit 801, configured to obtain transaction information of a current transaction.
The type determining unit 802 is configured to determine a bank card type and/or a transaction type of a current transaction according to transaction information of the current transaction.
In the embodiment of the present invention, the transaction information obtaining unit 801 obtains the transaction information of the current transaction, and the type determining unit 802 determines the bank card type and/or the transaction type of the current transaction according to the transaction information of the current transaction, which can improve the efficiency of obtaining the transaction attribute parameters.
Fig. 9 shows a schematic structure of the transaction control module 703 in the transaction control device provided in the 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 an embodiment of the present invention, the transaction control state includes a transaction function on state and a transaction function off state. In order to effectively implement flexible control on the current transaction, referring to fig. 9, each unit included in the transaction control module 703 is used to execute each step in the embodiment corresponding to fig. 3, and please refer to fig. 3 and the related description in the embodiment corresponding to fig. 3 specifically, which is not described herein again. In the embodiment of the present invention, the transaction control module 703 includes an allowed transaction unit 901 and a disallowed transaction unit 902.
The transaction allowing unit 901 is configured to allow the current transaction to perform a transaction when the transaction control states of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction are both transaction function open states.
A disallowance transaction unit 902, configured to disallow the current transaction from performing the transaction when the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function closed state.
In the embodiment of the present invention, when the transaction control states of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction are transaction function open states, the transaction allowing unit 901 allows the current transaction to perform a transaction; the disallowing transaction unit 902 disallows the current transaction to perform the transaction when the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function closing state, so that flexible control over the transaction can be effectively realized.
Fig. 10 illustrates functional blocks of a transaction unit 902, which is not allowed in the transaction control device provided in the embodiment of the present invention, and only shows parts related to the embodiment of the present invention for convenience of description, which are detailed as follows:
referring to fig. 10, the modules included in the disallowance transaction unit 902 are used to execute the steps in the embodiment corresponding to fig. 4, specifically please refer to fig. 4 and the related description in the embodiment corresponding to fig. 4, which are not described again here. In the embodiment of the present invention, the disallowed transaction unit 902 includes a separately determined sub-unit 1001 and a first disallowed transaction sub-unit 1002.
The determining sub-units 1001 are configured to determine transaction control states of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction, respectively.
The first disallowance transaction subunit 1002 is configured to disallow the current transaction to perform the transaction when the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function closed state.
In the embodiment of the present invention, the determining subunit 1001 determines the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction, and the first disallowing transaction subunit 1002 disallows the current transaction to perform the transaction when the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function closed state, so that the efficiency of transaction control can be improved.
Fig. 11 shows another schematic structure of a transaction unit 902, which is not allowed in the transaction control device provided in the embodiment of the present invention, and only shows the parts related to the embodiment of the present invention for convenience of description, which is detailed as follows:
in an embodiment of the present invention, in order to improve the accuracy of transaction control, referring to fig. 11, each unit included in the disallowed transaction unit 902 is used to execute each step in the embodiment corresponding to fig. 5, specifically please refer to fig. 5 and the related description in the embodiment corresponding to fig. 5, which is not repeated herein. In the embodiment of the present invention, the disallowed transaction unit 902 includes a sequential determination subunit 1101 and a second disallowed transaction subunit 1102.
The sequential determination subunit 1101 is configured to sequentially determine a transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction.
And a second disallowance transaction subunit 1102, configured to disallow the current transaction from performing a transaction when the transaction control state of the sequentially previous transaction limiting parameter is the transaction function off state.
In the embodiment of the present invention, the sequential determining subunit 1101 sequentially determines the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction, and the second disallowed transaction subunit 1102 disallows the current transaction to perform a transaction when the transaction control state of the transaction limiting parameter in the previous sequence is the transaction function closed state, so that the accuracy of transaction control can be improved.
Fig. 12 shows another functional module of the transaction control device provided in the 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 an embodiment of the present invention, in order to further improve flexibility of transaction control, referring to fig. 12, each unit included in the transaction control device is configured to execute each step in the embodiment corresponding to fig. 6, and specifically please refer to fig. 6 and the related description in the embodiment corresponding to fig. 6, which is not repeated herein. In this embodiment of the present invention, the transaction control apparatus further includes an expiration date determining module 1201.
A validity period determining module 1201, configured to determine, from a pre-configured transaction control table, a validity period of a transaction control state of at least one transaction limiting parameter corresponding to a transaction attribute parameter of a current transaction.
Accordingly, the transaction control module 703 includes an allowed transaction sub-unit 1202 and a third disallowed transaction sub-unit 1203.
The transaction permission subunit 1202 is configured to, when the transaction control states of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction are both transaction function open states, and the valid periods of the transaction control states of the at least one transaction limiting parameter all include the transaction time of the current transaction, allow the current transaction to perform the transaction.
A third disallowance transaction subunit 1203, configured to disallow the current transaction to perform the transaction when the transaction control states of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction are both transaction function open states, but at least one validity period of the transaction control state of the at least one transaction limiting parameter does not include the transaction time of the current transaction.
In this embodiment of the present invention, the validity period determining module 1201 determines, from a pre-configured transaction control table, a validity period of a transaction control state of at least one transaction limiting parameter corresponding to a transaction attribute parameter of a current transaction, and allows the transaction subunit 1202 to allow the current transaction to perform a transaction when the transaction control states of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction are both transaction function open states, and the validity period of the transaction control state of the at least one transaction limiting parameter all includes a transaction time of the current transaction; the third disallowance transaction subunit 1203, when the transaction control states of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction are both transaction function open states, but at least one validity period of the transaction control state of the at least one transaction limiting parameter does not include the transaction time of the current transaction, disallows the current transaction to perform the transaction, and can further improve flexibility of transaction control.
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 embodiment of the present invention, the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter is flexibly configured through the pre-configured transaction control table, and the transaction control is performed on the current transaction according to the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction during the transaction, so that the flexibility of transaction control can be improved, and the security of the transaction can be provided.
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:
acquiring transaction attribute parameters of current transaction;
determining the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction from a pre-configured transaction control table according to the transaction attribute parameter of the current transaction; the transaction control table comprises transaction attribute parameters and transaction control states of at least one corresponding transaction limiting parameter;
and carrying out transaction control on the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction.
2. The transaction control method of claim 1, wherein the transaction attribute parameters include a bank card type and/or a transaction type; the at least one transaction limiting parameter comprises one or more of the following parameters: institution parameters, product parameters, and account parameters.
3. The transaction control method of claim 2, wherein obtaining transaction attribute parameters for a current transaction comprises:
acquiring transaction information of current transaction;
and determining the type of the bank card and/or the transaction type of the current transaction according to the transaction information of the current transaction.
4. The transaction control method of claim 1, wherein the transaction control state comprises a transaction function open state and a transaction function close state, and the transaction control of the current transaction according to the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction comprises:
when the transaction control states of at least one transaction limiting parameter corresponding to the transaction attribute parameters of the current transaction are transaction function opening states, allowing the current transaction to carry out the transaction;
and when the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function closing state, the current transaction is not allowed to be transacted.
5. The transaction control method of claim 4, wherein when the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function off state, not allowing the current transaction to perform the transaction comprises:
respectively determining the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction;
and when the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function closing state, the current transaction is not allowed to be transacted.
6. The transaction control method of claim 1, wherein when the transaction control state of the at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction has at least one transaction function off state, not allowing the current transaction to perform the transaction comprises:
determining the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction in sequence;
and when the transaction control state of the transaction limiting parameter in the sequence is the transaction function closing state, the current transaction is not allowed to be transacted.
7. The transaction control method of claim 5, further comprising:
determining the validity period of the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction from a pre-configured transaction control table;
the method for controlling the transaction of the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction comprises the following steps:
when the transaction control states of the at least one transaction limiting parameter corresponding to the transaction attribute parameters of the current transaction are transaction function opening states and the valid period of the transaction control state of the at least one transaction limiting parameter comprises the transaction time of the current transaction, allowing the current transaction to carry out the transaction;
and when the transaction control states of the at least one transaction limiting parameter corresponding to the transaction attribute parameters of the current transaction are transaction function opening states, but at least one validity period of the transaction control states of the at least one transaction limiting parameter does not contain the transaction time of the current transaction, the current transaction is not allowed to be transacted.
8. A transaction control device, comprising:
the attribute parameter acquisition module is used for acquiring transaction attribute parameters of the current transaction;
the control state determining module is used for determining the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction from a pre-configured transaction control table according to the transaction attribute parameter of the current transaction; the transaction control table comprises transaction attribute parameters and transaction control states of at least one corresponding transaction limiting parameter;
and the transaction control module is used for controlling the transaction of the current transaction according to the transaction control state of at least one transaction limiting parameter corresponding to the transaction attribute parameter of the current transaction.
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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