CN112270542A

CN112270542A - Transaction data processing method, device, equipment and system

Info

Publication number: CN112270542A
Application number: CN202011207491.9A
Authority: CN
Inventors: 苏千秋
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-11-03
Filing date: 2020-11-03
Publication date: 2021-01-26
Anticipated expiration: 2040-11-03
Also published as: CN112270542B; CN117911086A

Abstract

This specification provides a transaction data processing method, apparatus, device and system, which jointly perform resources such as: the distributed resources need to be checked and cancelled at least twice, the resources can be checked and cancelled only when the user completes the second transaction within the validity period of the resources after completing the first check and cancellation transaction, and the user can really enjoy the special benefits specified by the resources at the moment. The resource verification method and the resource verification device have the advantages that the power of resource verification and cancellation of transaction users is improved, the resource conversion rate is further improved, and meanwhile, the source of the verification and cancellation resources can be accurately determined.

Description

Transaction data processing method, device, equipment and system

Technical Field

The present disclosure relates to computer technologies, and in particular, to a method, an apparatus, a device, and a system for processing transaction data.

Background

With the development of computer internet technology, the types and modes of transactions are increasing, from cash transactions to online payments, and nowadays, many merchants launch transaction modes of resource verification and sale. Merchants can distribute resources with certain rights such as: the consumer ticket, the user, may enjoy the benefit of the merchant in granting the resource by drawing the resource and crediting the transaction to the designated location. However, the general users have a lot of channels for getting resources, and cannot accurately count resource conversion rate and resources of the verification and marketing, and the general resources require that the users actively go to stores for verification and marketing, and the users have enough verification and marketing power.

Disclosure of Invention

An object of the embodiments of the present specification is to provide a transaction data processing method, device, apparatus, and system, which improve the verification and cancellation rate of resources and achieve accurate determination of the source of the verification and cancellation resources.

In a first aspect, an embodiment of the present specification provides a transaction data processing method, including:

receiving a first resource approval and cancellation request, wherein the first resource approval and cancellation request comprises a first transaction amount, a first transaction user identifier, a payment user identifier and a resource to be approved and cancelled;

determining a first payment amount and a first preferential amount of the first resource verification request according to the configuration information of the resource to be verified and cancelled and the first transaction amount, and performing first resource verification and cancellation on the resource to be verified and cancelled;

receiving a second resource approval and cancellation request in the valid period of the resource to be approved and cancelled, wherein the second resource approval and cancellation request comprises a second transaction amount, the resource to be approved and cancelled, the payment user identification and a second transaction user identification; the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier are the verification user of the resource to be verified and the protocol associated user of the resource to be verified;

and determining a second payment amount and a second preferential amount of the second resource approval and cancellation request according to the configuration information of the resource to be approved and cancelled and the second transaction amount, and performing second resource approval and cancellation on the resource to be approved and cancelled.

In a second aspect, the present specification provides a method of transaction data processing, the method comprising:

receiving a first payment request, wherein the first payment request comprises a payment user identifier and a resource to be verified and sold;

sending a first resource verification and cancellation request to a payment platform, wherein the first resource verification and cancellation request comprises a first transaction amount, a first transaction user identifier, the payment user identifier and the resource to be verified and cancelled, so that the payment platform conducts first resource verification and cancellation on the resource to be verified and cancelled, and completes second resource verification and cancellation of the resource to be verified and cancelled after receiving a second resource verification and cancellation request in the validity period of the resource to be verified and cancelled.

In a third aspect, the present specification provides a method of transaction data processing, the method comprising:

receiving a second payment request, wherein the second payment request comprises a payment user identifier and a resource to be checked and sold;

and judging whether the resource to be checked and sold is in the validity period currently, if so, sending a second resource checking and selling request to a payment platform, wherein the second resource checking and selling request comprises a second transaction amount, a second transaction user identifier, the payment user identifier and the resource to be checked and sold, so that the payment platform performs second resource checking and selling on the resource to be checked and sold, and completes second resource checking and selling of the resource to be checked and sold in the validity period of the resource to be checked and sold.

In a fourth aspect, the present specification provides a transaction data processing apparatus comprising:

the system comprises a first transaction request receiving module, a second transaction request receiving module and a resource verifying and selling module, wherein the first transaction request receiving module is used for receiving a first resource verifying and selling request which comprises a first transaction amount, a first transaction user identifier, a payment user identifier and a resource to be verified and sold;

the first resource verification and cancellation module is used for determining a first payment amount and a first preferential amount of the first resource verification and cancellation request according to the configuration information of the resource to be verified and cancelled and the first transaction amount, and performing first resource verification and cancellation on the resource to be verified and cancelled;

the second transaction request receiving module is used for receiving a second resource approval and cancellation request in the valid period of the resource to be approved and cancelled, wherein the second resource approval and cancellation request comprises a second transaction amount, the resource to be approved and cancelled, the payment user identification and a second transaction user identification; the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier are the verification user of the resource to be verified and the protocol associated user of the resource to be verified;

and the second resource checking and canceling module is used for determining a second payment amount and a second preferential amount of the second resource checking and canceling request according to the configuration information of the resource to be checked and canceled and the second transaction amount, and performing second resource checking and canceling on the resource to be checked and canceled.

In a fifth aspect, the present specification provides a transaction data processing apparatus comprising:

the system comprises a first payment request receiving module, a first payment request processing module and a second payment request processing module, wherein the first payment request receiving module is used for receiving a first payment request which comprises a payment user identifier and a resource to be verified and sold;

the first resource verification and cancellation request module is used for sending a first resource verification and cancellation request to a payment platform, wherein the first resource verification and cancellation request comprises a first transaction amount, a first transaction user identifier, the payment user identifier and the resource to be verified and cancelled, so that the payment platform conducts first resource verification and cancellation on the resource to be verified and cancelled, and second resource verification and cancellation of the resource to be verified and cancelled are completed within the validity period of the resource to be verified and cancelled.

In a sixth aspect, the present specification provides a transaction data processing apparatus comprising:

the second payment request receiving module is used for receiving a second payment request, wherein the second payment request comprises a payment user identifier and a resource to be checked and sold;

and the second resource verification and cancellation request module is used for judging whether the resource to be verified and cancelled is in the validity period currently, and if so, sending a second resource verification and cancellation request to the payment platform, wherein the second resource verification and cancellation request comprises a second transaction amount, a second transaction user identifier, the payment user identifier and the resource to be verified and cancelled, so that the payment platform performs second resource verification and cancellation on the resource to be verified and cancelled, and completes second resource verification and cancellation of the resource to be verified and cancelled in the validity period of the resource to be verified and cancelled.

In a seventh aspect, an embodiment of the present specification provides a transaction data processing device, including at least one processor and a memory for storing processor-executable instructions, where the processor executes the instructions to implement the transaction data processing method according to the first aspect, the second aspect, or the third aspect.

In an eighth aspect, an embodiment of the present specification provides a transaction data processing system, including: the system comprises a payment platform, a payment user terminal and at least two transaction user terminals; the payment platform comprises at least one processor and a memory for storing processor-executable instructions, and the processor implements the method of the first aspect when executing the instructions, and is used for performing resource verification processing on resources to be verified and sold;

the payment user terminal comprises at least one processor and a memory for storing processor-executable instructions, the processor, when executing the instructions, sending a payment request to the payment platform or the transaction user terminal;

the transaction user terminal comprises at least one processor and a memory for storing processor-executable instructions, and when the processor executes the instructions, the processor implements the method of the second aspect or the third aspect, and is configured to receive a payment request sent by the payment terminal and send a resource underwriting transaction request to the payment platform, so that the payment platform underwrits a resource to be underwritten.

According to the transaction data processing method, the transaction data processing device, the transaction data processing equipment and the transaction data processing system, at least two transaction users jointly perform distribution and verification of resources to be verified, the configured resources need to be verified at least twice, and when the user finishes the first verification transaction, the user can be prompted to perform the second transaction to the designated transaction user within the designated period of validity, so that the user can really enjoy the benefit of the resources. The resource verification method has the advantages that the resource verification power of the transaction user is improved, the resource conversion rate is further improved, meanwhile, the source of the verified and sold resource can be determined to be the transaction user for verifying and selling the resource for the first time, and a data basis is provided for the effect analysis of the resource transaction.

Drawings

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

FIG. 1 is a schematic flow chart diagram of an embodiment of a transaction data processing method provided by an embodiment of the present description;

FIG. 2 is a flow chart illustrating a method for a first transaction user terminal to perform a resource underwriting transaction in some embodiments of the present disclosure;

FIG. 3 is a schematic flow chart of a method for conducting resource underwriting transactions in some embodiments of the present description;

FIG. 4 is a schematic diagram of two usage flows of coupons in an example scenario of the present specification;

FIG. 5 is a timing diagram illustrating coupon cancellation in an example scenario of the present specification;

FIG. 6 is a block diagram of one embodiment of a transaction data processing device provided herein;

FIG. 7 is a block diagram of one embodiment of a transaction data processing device provided herein;

FIG. 8 is a block diagram of one embodiment of a transaction data processing device provided herein;

fig. 9 is a block diagram showing a hardware configuration of a transaction data processing server in one embodiment of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

Resources in the embodiments of the present description may be understood as right information capable of providing a specified right or a preferential right, such as: the coupon and the consumption coupon can be obtained, or the coupon can also be a discount short message sent by a merchant. General users need to check and sell resources only after receiving resource information with preferential benefits or rights and consuming the resources to merchants or shops specified by the resources, and the transaction mode of the resource checking and selling is passive, so that the sources of the checked and sold resources cannot be determined, and the checking and selling rate of the resources cannot be guaranteed.

Fig. 1 is a schematic flow chart of an embodiment of a transaction data processing method provided in an embodiment of the present specification. Although the present specification provides the method steps or apparatus structures as shown in the following examples or figures, more or less steps or modules may be included in the method or apparatus structures based on conventional or non-inventive efforts. In the case of steps or structures which do not logically have the necessary cause and effect relationship, the execution order of the steps or the block structure of the apparatus is not limited to the execution order or the block structure shown in the embodiments or the drawings of the present specification. When the described method or module structure is applied to a device, a server or an end product in practice, the method or module structure according to the embodiment or the figures may be executed sequentially or in parallel (for example, in a parallel processor or multi-thread processing environment, or even in an implementation environment including distributed processing and server clustering).

Detailed description of the preferred embodimentsfor an embodiment of the transaction data processing method provided in the present specification, the method may be applied to a payment platform side, such as: the method can be used for a computer, a tablet computer, a server, a smart phone and other terminals, and comprises the following steps:

step 102, receiving a first resource approval and cancellation request, wherein the first resource approval and cancellation request comprises a first transaction amount, a first transaction user identifier, a payment user identifier and a resource to be approved and cancelled.

In a specific implementation process, as described in the above embodiment, the resource may be understood as electronic information or paper information with certain rights or benefits, and may be understood as a preferential commitment given to the user by the merchant or the designated department. When the user pays, the user can choose to use the obtained resources to deduct or enjoy the corresponding rights and interests, and the resources can be electronic preferential information which is obtained by the user on a network platform or an entity shop, such as: the electronic consumption coupon may also be paper coupon information that the user gets from the physical store, such as: a paper consumption coupon. The resource may be picked up by the user before the transaction, or may be picked up by the user on a payment page when the user selects payment, and the pickup time and the pickup mode of the resource are not specifically limited in the embodiments of the present specification. When a user (i.e., a payment user) chooses to use the retrieved resource for a transaction, the user or merchant (i.e., a transaction user that is transacting with the payment user) may send a transaction request to the payment platform via the client, such as: the payment user selects resources to use in the payment page to conduct payment transaction and submits a payment request, and after receiving the payment request, the transaction user can submit a first resource verification and cancellation request to the payment platform. The first resource approval and cancellation request may include a first transaction amount of a current transaction, a first transaction user identifier, a payment user identifier, and a resource to be approved and cancelled, where the resource to be approved and cancelled may include an identifier or a number of the resource to be approved and cancelled.

And step 104, determining a first payment amount and a first preferential amount of the first resource reimbursement request according to the configuration information of the resource to be reimbursed and the first transaction amount, and performing first resource reimbursement on the resource to be reimbursed.

In a specific implementation process, after receiving the first resource approval and cancellation request, the payment platform may determine a first payment amount and a first benefit amount of the transaction request according to the configuration information of the resource to be approved and cancelled in the first resource approval and the first transaction amount in the request. Resources typically configure preferential policies such as: and returning a certain amount after payment is immediately reduced or transaction is completed or reducing the amount when the transaction amount meets the amount, such as: if the configuration information of the resource to be underwritten indicates that 10 yuan is paid immediately after the first consumption and underwriting, and the first transaction amount is 50 yuan, it may be determined that the first payment amount of the first resource underwriting request is 50-10 yuan to 40 yuan, where the first benefit amount is 10 yuan. It can be seen that the general first transaction amount may be the sum of the first payment amount and the first offer amount, however, the first offer amount in this embodiment of the present specification may include a payment deduction amount, and may also include an expected profit such as: how much amount to return after the transaction is completed, or a certain coupon, etc., at which time the first transaction amount may be the same as the first payment amount. After the first payment amount and the first benefit amount are determined, the first payment amount can be deducted from the payment account corresponding to the payment user identifier to the transaction account corresponding to the first transaction user identifier, and resource verification for the first time is carried out on the resource to be verified and cancelled so as to offset the first benefit amount. At this time, the payment user only needs to pay the first payment amount, but will inform the payment user that the first preferential amount is deducted by the resource to be checked and cancelled, but needs to complete the rule of the resource to be checked and cancelled, and if the following resource to be checked and cancelled is not checked and cancelled, the first preferential amount will be deducted instead. The transaction user receives a first transaction amount, wherein the first preferential amount in the first transaction amount can be deducted by the resource to be verified.

In some embodiments of this specification, the determining, according to the configuration information of the resource to be underwritten and the first transaction amount, a first payment amount and a first preferential amount of the first resource underwriting request, and performing a first resource underwriting on the resource to be underwritten includes:

determining a first payment amount and a first preferential amount of the first resource verification request according to the configuration information of the resource to be verified and cancelled and the first transaction amount;

deducting the first payment amount from the payment account corresponding to the payment user identification and transferring the first payment amount to the transaction account corresponding to the first transaction user identification;

and performing resource checking and canceling on the resource to be checked and canceled for the first time, and setting the transaction state of the first preferential amount as a suspension state.

In a specific implementation process, after receiving the first resource approval request, a first payment amount and a first preferential amount corresponding to the transaction request may be determined. When the first resource verification request is completed, the first payment amount can be deducted from the payment account corresponding to the payment user identification to the transaction account corresponding to the first transaction user identification, or the first payment amount can be deducted from the payment account in advance, and the first payment amount is not transferred to the transaction account temporarily. When the first payment amount is deducted from the payment account, the resource to be checked and sold may be checked and sold for the first time to offset the first benefit amount, and at this time, the transaction state of the first benefit amount may be set to a suspended state. That is, the transaction of the first benefit amount is suspended, and the transaction processing of the benefit portion can be continued after the resource to be checked and sold completes all the checking and selling. Such as: if the subsequent verification and cancellation tasks of the resources to be verified and cancelled are completed, the first preferential amount can be paid by the preferential payment user configured by the resources to be verified and cancelled, and if the subsequent verification and cancellation tasks of the resources to be verified and cancelled are not completed, the first preferential amount can be paid by the payment user. After the first resource verification of the resource to be verified and cancelled is completed, the payment completion of the first transaction amount can be displayed to the payment user, wherein the first payment amount is actually paid, the first preferential amount is temporarily paid by the preferential payment user, and the prompt is given, and if the subsequent resource to be verified and cancelled does not complete the appointed verification and cancellation transaction, the first preferential amount is deducted.

The preferential payment user can be a user corresponding to the first transaction user identification, or a user corresponding to the second transaction user identification, or a third party except the resource underwriting user to be underwritten. The first preferential amount is suspended, and after the user finishes all the verification and the cancellation of the resources to be verified and cancelled, the transaction is continued, so that the transaction of first sharing and later payment of the resources to be verified and cancelled is realized, the user enjoys the verification and the cancellation behavior of subsequent resources, a novel resource verification and cancellation transaction mode is provided, and the conversion rate of the resources is improved under the condition of no consumption amount threshold.

Step 106, receiving a second resource approval and cancellation request in the valid period of the resource to be approved and cancelled, wherein the second resource approval and cancellation request comprises a second transaction amount, the resource to be approved and cancelled, the payment user identification and a second transaction user identification; and the user corresponding to the first transaction user identification and the user corresponding to the second transaction user identification are protocol-associated reimbursement users of the resource to be reimbursed.

In a specific implementation process, the resource in the embodiment of the present specification is not a resource for one-time verification and cancellation, and a verification and cancellation task of the resource needs to be completed twice or even more times. After the resource to be checked and sold is checked and sold for the first time, the user can carry out transaction to the shop corresponding to the second transaction user identification appointed by the resource to be checked and sold according to the prompt of the using rule of the resource to be checked and sold. The user corresponding to the first transaction user identifier and the second transaction user identifier may be a protocol-associated reimbursement user established by a protocol of the resource to be reimbursed, and the protocol-associated reimbursement user may understand that the resource to be reimbursed needs to perform resource reimbursement transaction at the configured protocol-associated user to complete the reimbursement task of the resource to be reimbursed. Such as: the consumption coupon A1 is a resource to be underwritten issued by the trading user B1 and the trading user B2 together, the trading user B1 and the trading user B2 sign a consumption coupon agreement, and when the user uses the consumption coupon A1 to trade, the user needs to respectively conduct two trades at the trading user B1 and the trading user B2 to complete the underwriting task of the consumption coupon A1, so that the user can really enjoy the benefit of the consumption coupon A1.

In some embodiments of the present specification, after completing the first resource verification of the resource to be verified, the method further includes:

and activating the validity period of the resource to be checked and cancelled, and starting to time the validity period.

In a specific implementation process, after the first resource verification of the resource to be verified and cancelled is completed, the validity period of the resource to be verified and cancelled can be activated, and validity period timing is started to determine whether the resource to be verified and cancelled can be verified and cancelled for the second time within the validity period after the first resource verification and cancellation.

When the resource to be checked and sold is checked and sold for the first time, the validity period of the resource can be activated, the privilege of the resource to be checked and sold for the second time checking and selling transaction can be activated, the user can obtain the second privilege amount of the resource to be checked and sold, the second privilege amount can designate the corresponding checking and selling user, namely the transaction user corresponding to the second transaction user identifier, and the transaction between the transaction users corresponding to the second transaction user identifier needs to be completed within the validity period of the resource to be checked and sold. If the user consumes the shop corresponding to the second transaction user identifier specified by the resource to be underwritten within the validity period of the resource to be underwritten, the payment platform may receive a second resource underwriting request, which may be sent by the payment user or the transaction user through the client, similar to the first resource underwriting request, and the second resource underwriting request may include a second transaction amount, the resource to be underwritten, the payment user identifier, and the second transaction user identifier.

In addition, after receiving a transaction request for performing a transaction by using the resource to be checked and sold, the payment platform may first determine whether a transaction user identifier in the transaction request is a check and sell user of the resource to be checked and sold, and whether the transaction user identifier is a user performing protocol association with a user corresponding to the first transaction user identifier, if so, determine that the transaction request is a second resource check and sell request, and may perform a second resource check and sell of the resource to be checked and sold.

And 108, determining a second payment amount and a second preferential amount of the second resource approval and cancellation request according to the configuration information of the resource to be approved and cancelled and the second transaction amount, and performing second resource approval and cancellation on the resource to be approved and cancelled.

In a specific implementation process, similar to the first resource verification of the resource to be verified, after receiving the first resource verification request, the second payment amount and the second benefit amount can be determined, the second payment amount is deducted from the payment account corresponding to the payment user identifier and transferred to the transaction account corresponding to the second transaction user identifier, and meanwhile, the resource to be verified is verified for the second time to offset the second benefit amount.

It should be noted that, the number of the agreement-associated reimbursement users of the resource to be reimbursed may be 2, or 3 or more, that is, the resource to be reimbursed may be issued by one transaction user, and the other transaction users may be auxiliary transaction users assisting in popularization. If the resource to be checked and sold is issued by one trading user, the last check and sale of the resource to be checked and sold generally needs to be appointed to the trading user issuing the resource to be checked and sold, so that the aim of issuing the trading user issuing the resource to be checked and sold is fulfilled. Such as: the consumption coupon A1 is a to-be-checked resource issued by the trading user B1, the trading users B2 and B3 are users assisting the trading users in carrying out consumption coupon promotion, when the users trade at the trading user B2 or B3, the trading users B2 and B3 can send the consumption coupons to the users, the users can enjoy certain benefits when using the consumption coupons to carry out the trade, however, the consumption coupons simultaneously prompt that the users need to carry out the second trade at the trading user B1 within the validity period, the users can really enjoy the coupon policies, and otherwise, the coupon portions are deducted. In this case, the consumption ticket generally needs to be checked out twice, but may be checked out several times, but the last time the consumption ticket needs to be issued at the transaction user. Certainly, the resource to be underwritten may also be jointly issued by a plurality of trading users, and at this time, the resource to be underwritten may be configured to be traded by the users who jointly issue the consumption tickets, so that the underwriting of the resource can be finally completed, and the resource really enjoys the preferential strategy of the resource.

It can be seen that the first transaction user identifier may be an identifier of a user who issues the resource to be checked and sold or an identifier of a user who assists in promotion, the number of the first transaction user identifiers may be multiple, and the second transaction user identifier may be understood as an identifier of a transaction user who checks and sells the resource to be checked and sold last time.

In some embodiments of the present description, the method further comprises:

and if the second resource checking and canceling request is not received within the validity period of the resource to be checked and canceled, deducting the resource corresponding to the first preferential amount from the payment account corresponding to the payment user identification.

In a specific implementation process, if the payment user does not consume the transaction user corresponding to the second transaction user identifier specified by the resource to be checked and sold within the validity period of the resource to be checked and sold, that is, the payment user does not receive the second resource checking and selling request within the validity period of the resource to be checked and sold, the resource to be checked and sold is considered to be invalid. At this time, the privilege of the user for conducting transaction by using the resource to be checked and sold for the first time is withdrawn, the resource corresponding to the first privilege amount during the resource checking and selling for the first time can be deducted from the payment account corresponding to the payment user identifier, and the deducted first privilege amount can be transferred to the transaction account corresponding to the first transaction user identifier, so that the loss of the transaction user corresponding to the first transaction user identifier is avoided.

The first preferential amount and the second preferential amount can be the same or different, and are specifically determined according to a protocol of a user for jointly releasing the resources to be underwritten, and the first preferential amount can be 0, that is, when the user uses the resources to be underwritten for the first time to conduct transaction, no preferential discount can be generated, but the preferential discount during the second transaction can be received, and the user is prompted to conduct the second transaction at a specified transaction user within the validity period, so that the user is stimulated to actively underwritten the resources to be underwritten.

In the transaction data processing method provided in the embodiment of the present specification, at least two transaction users jointly issue and cancel resources, and the configured resource cancellation protocol needs to perform cancellation at least twice, so that when a user uses resources to complete a first cancellation transaction, the user can be prompted to perform a second transaction to a specified transaction user within a specified validity period, and can really enjoy the benefit of the resources. The resource verification method has the advantages that the resource verification power of transaction users is improved, the active resource verification is realized, the resource conversion rate is further improved, meanwhile, the source of the verified and sold resource can be determined to be the transaction user for the first resource verification and sale, the source of the verified and sold resource is accurately traced, and a data basis is provided for the follow-up resource publishing effect analysis.

On the basis of the foregoing embodiments, in some embodiments of the present specification, after performing resource verification for the resource to be verified for the second time, the method further includes:

acquiring a last verification user of the resource to be verified and cancelled according to the configuration information of the resource to be verified and cancelled;

and if the transaction user corresponding to the second transaction user identification is the last reimbursement user, setting the state of the resource to be reimbursed as reimbursement completion.

In a specific implementation process, referring to the description of the above embodiment, in an embodiment of this specification, a resource to be checked and sold may be configured with a checking and selling user standard, and a last checking and selling user who must perform resource checking and selling may be configured in the checking and selling user standard, where the last checking and selling user is generally a transaction user who issues the resource to be checked and sold. If the transaction user corresponding to the second transaction user identifier in the second resource reimbursement request is the last reimbursement user, it may be determined that the reimbursement task of the resource to be reimbursed is completed, and the state of the resource to be reimbursed may be set as the reimbursement completion. At this time, transaction processing can be further performed on the first preferential amount in the suspended first resource approval request according to the configuration information of the resource to be approved, and the preferential payment user configured by the resource to be approved pays the partial preferential amount. If the transaction user corresponding to the second transaction user identifier is not the last reimbursement user configured for the resources to be reimbursed, the resources to be reimbursed may be continuously monitored until the resource reimbursement request of the last reimbursement user is received within the validity period of the resources to be reimbursed, or the validity period of the resources to be reimbursed reaches.

In the embodiment of the specification, the last reimbursement user of the resource to be reimbursed is set, so that the resource to be reimbursed can be underwritten at a plurality of transaction users (such as merchants), and the terminal point of the resource reimbursement is set based on the set last reimbursement user, thereby realizing the resource marketing of multi-merchant combination, reducing the marketing cost and improving the resource conversion rate.

In some embodiments of the present specification, prior to receiving the first resource cancellation request, the method further comprises:

receiving a resource cancel and cancel protocol association request, wherein the resource cancel and cancel protocol association request comprises: the resource to be checked and sold, the first transaction user identification and the second transaction user identification;

and configuring the verification and cancellation user standard and the verification and cancellation frequency standard of the resource to be verified and cancelled according to the resource verification and cancellation protocol association request.

In a specific implementation process, a transaction user may sign a resource approval and cancellation association protocol in advance, that is, perform joint approval and cancellation of resources, the transaction user who signs the resource approval and cancellation association protocol may send a resource approval and cancellation protocol association request to a payment platform, and the resource approval and cancellation protocol association request may include: the resource to be checked and sold, the first transaction user identification and the second transaction user identification. In addition, the resource underwriting agreement association request may further include underwriting conditions defined by the transaction user, such as: the transaction amount satisfies the amount of the transaction to be checked and cancelled, the sequence of checking and cancelling the user, the checking and cancelling times and the like. After receiving the resource verification and cancellation protocol association request, the payment platform may configure verification and cancellation user criteria and verification and cancellation frequency criteria of the resource to be verified and cancelled, where the verification and cancellation user criteria may include what verification and cancellation users have, verification and cancellation sequence of the verification and cancellation users, or who the last verification and cancellation user is, and the verification and cancellation frequency criteria may be understood as the minimum verification and cancellation frequency and the maximum verification and cancellation frequency of the resource. And configuring users corresponding to the first transaction user identification and the second transaction user identification as the verification and cancellation users of the resources to be verified and cancelled, and simultaneously configuring verification and cancellation sequences of the verification and cancellation users. When the resource to be verified is verified, whether verification of the resource to be verified is completed can be judged according to the configured verification user standard and the verification frequency standard.

It should be noted that, in this embodiment of the present specification, one or more first transaction user identifiers and second transaction user identifiers may be used, and may be configured according to actual needs, and this embodiment of the present specification is not particularly limited.

In the embodiment of the description, the correlated configuration of the verification user can be performed on the resource to be verified and sold in advance, so that the subsequent user can perform verification and sale of the resource to be verified and sold at the at least two transaction users by using the resource to be verified and sold, the conversion rate of the resource is improved, and the marketing cost is reduced.

In some embodiments of the present specification, after receiving the second resource cancel request, the method further includes:

determining whether the second resource approval and cancellation request meets approval and cancellation standards of the resource to be approved and cancelled according to a second transaction amount in the second resource approval and cancellation request and the approval and cancellation transaction amount of the resource to be approved and cancelled;

and if the second resource verification and cancellation request meets the verification and cancellation standard of the resource to be verified and cancelled, determining a second payment amount and a second preferential amount of the second resource verification and cancellation request according to the configuration information of the resource to be verified and cancelled, and performing second resource verification and cancellation on the resource to be verified and cancelled.

In a specific implementation process, in some embodiments of this specification, the configuration information of the resource may further include a cancel criteria of the resource to be cancelled, such as: the amount of consumption to be satisfied, whether the transaction user is a verification and cancellation user, etc. Generally, when a user uses a resource to be checked and sold to conduct a first transaction, the transaction amount is not limited so as to encourage the user to continue to use the resource to be checked and sold to conduct a second transaction, and when the user conducts the second transaction, the transaction amount required to be met can be limited so as to ensure that the resource to be checked and sold can bring certain benefits. Based on this, when the second resource approval and cancellation request is received, whether the current transaction request meets the approval and cancellation standard of the resource to be approved and cancelled can be judged according to the second transaction amount and the like in the second resource approval and cancellation request. Such as: if the second transaction amount is greater than or equal to the reimbursement transaction amount of the resource to be reimbursed, it may be determined that the second resource reimbursement request meets the reimbursement standard of the resource to be reimbursed, or the sum of the second transaction amount and the first transaction amount is greater than or equal to the reimbursement transaction amount of the resource to be reimbursed, it may be determined that the second resource reimbursement request meets the reimbursement standard of the resource to be reimbursed. And if the second resource verification and cancellation request is determined to meet the verification and cancellation standard of the resource to be verified and cancelled, determining a second payment amount and a second preferential amount based on the configuration information of the resource to be verified and cancelled, and performing second resource verification and cancellation on the resource to be verified and cancelled.

The transaction amount is compared with the verification transaction amount in the verification standard configured for the resource to be verified, so that when the resource to be verified is verified, a certain transaction amount requirement can be met, and the resource to be verified can bring expected benefits.

In some embodiments of the present description, the method further comprises:

if the second resource approval and cancellation request is determined not to meet the approval and cancellation standard of the resource to be approved and cancelled, the second resource approval and cancellation request is completed according to a second transaction amount in the second resource approval and cancellation request;

and continuing to count the validity period of the resource to be checked and sold, and if a second resource checking and selling request meeting the checking and selling standard of the resource to be checked and sold is not received within the validity period of the resource to be checked and sold, deducting the resource corresponding to the first preferential amount from the payment account corresponding to the payment user identification.

In a specific implementation process, if it is determined that the second resource approval request does not meet the approval standard of the resource to be approved, the transaction request can be directly completed according to the second transaction amount in the second resource approval request, that is, the resource corresponding to the second transaction amount is deducted from the payment account corresponding to the payment user identifier and transferred to the transaction account corresponding to the second transaction user identifier. Meanwhile, the resource to be checked and sold continues to be subjected to effective period timing, if a second resource checking and selling request meeting the checking and selling standard of the resource to be checked and sold is not received in the effective period of the resource to be checked and sold, the resource to be checked and sold is considered to be failed to be checked and sold, and the first preferential amount in the first resource checking and selling process needs to be deducted. After the resource to be checked and sold is determined to be failed to check and sell, a first preferential amount which is not deducted in the first time of resource checking and selling is deducted from the payment account, and the first preferential amount can be transferred to a transaction account corresponding to the first transaction user identification. If a second resource cancel verification request meeting the cancel verification standard of the resource to be canceled is received in the validity period of the resource to be canceled, performing second resource cancel verification on the resource to be canceled, where the specific operation may refer to the description of the above embodiment and is not described here again. The resource verification and sale transaction of the resource to be verified and sold is carried out through the combination of multiple merchants, the user can share the resource first and pay later, the subsequent transaction behavior is shared first, the resource conversion rate is improved, meanwhile, the resource verification and sale resource source can be accurately determined, and a data base is laid for the effect analysis of resource verification and sale.

On the basis of the foregoing embodiments, in some embodiments of the present specification, after completing second resource verification of the resource to be verified, the method includes:

and deducting the resource corresponding to the first preferential amount from the transaction account corresponding to the second transaction user identification to the transaction account corresponding to the first transaction user identification.

In a specific implementation process, in some embodiments of the present specification, for a resource verification transaction performed by combining two merchants, a second user corresponding to a second transaction user identifier is a user who issues a resource to be verified, and a first user corresponding to a first transaction user identifier is a user who helps the second user to promote the resource to be verified. And when the resource to be checked and sold is checked and sold for the second time, the resource to be checked and sold can be considered to be checked and sold completely, and at the moment, the resource corresponding to the first preferential amount can be deducted from the transaction account corresponding to the second transaction user identification to the transaction account corresponding to the first transaction user identification. That is, the first preferential amount may be paid by the user corresponding to the second transaction user identifier issuing the resource to be checked out, and the partial preferential amount may be understood as a reward paid by the second user to the first user for promoting the resource to be checked out. If more than two merchants jointly conduct the transaction of the resources to be underwritten, namely, a plurality of underwriting users are associated in the resources to be underwritten, the last underwriting user can generally pay the preferential amount of the other transaction users when underwriting the resources to be underwritten.

Of course, the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier may also agree to the payer of the preferential amount, such as: the first transaction user identifier may not collect the benefit amount, i.e. the first benefit amount is paid by itself, or may be paid by a designated benefit user such as: payment platform, online shopping platform, official department, etc., and the embodiments of the present specification are not particularly limited. By appointing the preferential payment user, the rights and interests of the transaction user for resource verification and sale are not damaged, and the win-win of the consumption ticket transaction is realized.

Fig. 2 is a flowchart illustrating a method for resource underwriting transaction at a first transaction user terminal in some embodiments of the present specification, where the first transaction user terminal may be a computer, a tablet, a smart phone, or the like, and as shown in fig. 2, the method may include:

step 202, receiving a first payment request, where the first payment request includes a payment user identifier and a resource to be checked and sold.

In a specific implementation process, when a user performs payment, the user may select to use the resource to be verified to deduct or enjoy a corresponding right, and when the user (i.e., a payment user) selects to use the resource to be verified to perform a transaction, the transaction user may receive a first payment request sent by the payment user, where the first payment request may include a payment user identifier and the resource to be verified, and of course, may also include information such as a first transaction amount.

Step 204, sending a first resource verification and cancellation request to a payment platform, where the first resource verification and cancellation request includes a first transaction amount, a first transaction user identifier, the payment user identifier, and the resource to be verified and cancelled, so that the payment platform performs first resource verification and cancellation on the resource to be verified and cancelled, and completes second resource verification and cancellation of the resource to be verified and cancelled after receiving a second resource verification and cancellation request within a validity period of the resource to be verified and cancelled.

In a specific implementation process, after receiving a first payment request sent by a payment user, a transaction user may send a first resource verification request to a payment platform through a client, such as: the payment user selects the resource to be checked and sold to conduct payment transaction on the payment page and submits a payment request, and after receiving the payment request, the transaction user can submit a first resource checking and selling request to the payment platform. The first resource approval and cancellation request may include a first transaction amount of a current transaction, a first transaction user identifier, a payment user identifier, and a resource to be approved and cancelled, where the resource to be approved and cancelled may be an identifier or a number of the resource to be approved and cancelled.

After receiving the first resource verification and cancellation request sent by the transaction user, the payment platform can perform first resource verification and cancellation on the resource to be verified and cancelled, and perform second resource verification and cancellation on the resource to be verified and cancelled after receiving the second resource verification and cancellation request in the validity period of the resource to be verified and cancelled. The first resource verification and the second resource verification may refer to the description of the above embodiments, and are not described herein again.

Fig. 3 is a flowchart illustrating a method for performing resource underwriting transaction in some embodiments of the present specification, where the second transaction user terminal may be a computer, a tablet, a smart phone, or other devices, and as shown in fig. 3, the method may include:

step 302, receiving a second payment request, where the second payment request includes a payment user identifier and a resource to be checked and sold.

In a specific implementation process, referring to the description of the above embodiment, when the user uses the resource to be credited to perform the second consumption transaction at the designated transaction user, the second payment request may be submitted to the user corresponding to the second transaction user identifier. The second payment request may include the payment user identifier and the resource to be credited, and may also include information such as the second transaction amount.

Step 304, judging whether the resource to be checked and sold is currently in the validity period, if so, sending a second resource checking and selling request to a payment platform, wherein the second resource checking and selling request comprises a second transaction amount, a second transaction user identifier, the payment user identifier and the resource to be checked and sold, so that the payment platform performs second resource checking and selling on the resource to be checked and sold, and completes second resource checking and selling of the resource to be checked and sold in the validity period of the resource to be checked and sold.

In a specific implementation process, after receiving a second payment request, the terminal of the transaction user corresponding to the second transaction user identifier may determine whether the resource to be checked and sold is currently within the validity period, and if so, may send a second resource checking and selling request to the payment platform, where the second resource checking and selling request may include the second transaction amount, the resource to be checked and sold, the payment user identifier, and the second transaction user identifier. Similar to the first resource cancellation of the resource to be cancelled. And after receiving the first resource verification and cancellation request, the payment platform can perform second resource verification and cancellation on the resource to be verified and cancelled. The first resource verification and the second resource verification may refer to the description of the above embodiments, and are not described herein again.

The first transaction user terminal and the second transaction user terminal may further include other methods in the resource underwriting transaction processing process, which refer to the records of the embodiment on the payment platform side specifically, and are not described herein again.

In the transaction data processing method provided in the embodiment of the present specification, at least two transaction users jointly perform resource-related reimbursement transactions, so that the users can enjoy a certain benefit when performing a first reimbursement transaction using resources, and the users are prompted to need to perform a second transaction within a specified validity period to the specified transaction users, so as to really enjoy the benefit. The resource verification method has the advantages that the resource verification power of transaction users is improved, the resource conversion rate is further improved, meanwhile, the source of the verified and sold resources can be determined to be the transaction users who verify and sell the resources for the first time, and a data basis is provided for the effect analysis brought by the resources.

Fig. 4 is schematic diagrams of two usage flows of a coupon in an example scenario of the present specification, fig. 5 is a schematic timing diagram of coupon reimbursement in an example scenario of the present specification, a coupon can be understood as an example of resources in the above embodiment, and the following specifically describes a process of resource reimbursement transaction in the example scenario of the present specification with reference to fig. 4 and fig. 5:

as shown in fig. 4 and 5, in this scenario example of the present specification, there are two merchants B1 and B2, that is, a merchant corresponding to the first transaction user identifier and a user corresponding to the second transaction user identifier in the above embodiment. Merchant B1 may configure and issue coupon a1 for merchant B2, an example of the resources described in the above embodiments, in its store or platform. As shown in FIG. 5, the coupon A1 may be configured with a Y element for merchant B1 and a S element for merchant B2, and the user needs to sign a discount specified by the activity of B1 or B2 when getting the coupon, so as to implement a pay-after-share transaction.

The user, that is, the payment user in the above embodiment, may issue the coupon a1 according to the activity in which the user participates in the payment by the merchant B1 before the user takes a taxi, shares a bicycle, a bus, a subway, a railway and other trip scenes, or orders at a restaurant, various payment scenes in life or other scenes. Coupon a1 may have a prepaid deduction and an expected revenue frozen according to the configured offer amount of merchant B1, which may be identified by the payment flow line as 123. As shown in fig. 4, when a transaction is made with the merchant B1, the user may choose to pay directly or by using a coupon, and if the user chooses the coupon payment, X dollars may be prepaid to the merchant B1, and the coupon amount of the merchant B2 may be automatically received. As shown in FIG. 4, when the user conducts the transaction at the side of the merchant B1, the transaction amount X dollar can be directly prepaid without any benefit, but the user can receive the benefit discount of the merchant B2. In the transaction process with the merchant B1, as shown in fig. 5, when the user performs a first resource underwriting transaction of the consumption ticket with the merchant B1, the user may determine that the payment amount of the first transaction is the total payment amount X-the coupon amount Y is Z-yuan according to the coupon policy configured by the coupon a1, the merchant B1 may successfully collect Z-yuan from the payment platform, and the coupon amount Y of the coupon a1 is suspended. And the user side displays that the user successfully pays the X element and informs the user of paying the Z element actually, wherein the Y element is paid by the merchant B2, and if the coupon A1 rule does not reach, the user withholds the Y element.

Coupon a1 may specify an expiration date for the underwriting upon issuance, and the expiration date of coupon a1 may be automatically activated to begin an automated timer after use by the payment transaction of the payment pipeline 123. If the payment user consumes in the business place of the merchant B2 designated by the coupon A1 within the validity period, the payment flow mark is 456, and if the consumption amount of the payment flow 456 reaches the reimbursement standard of the coupon A1, the payment user obtains payment standing deduction and frozen income according to the payment flow 123, and the payment standing deduction and the frozen income are unfrozen and can be directly embodied or take effect according to the corresponding rights and interests. Meanwhile, B-side marketing commission returns for merchants B1 and B2 can be accomplished through the blockchain through statistics of the payment pipeline 456. As shown in fig. 4, the payment user minired has consumed to the designated merchant B1 within the expiration date of the coupon a1, the minired may enjoy the benefit of the coupon a1 at merchant B2, and the advance payment at merchant B1 also does not require payment again. As shown in fig. 5, in the transaction between the payment user and the merchant B2, the total payment amount R yuan-the offer amount S yuan-T yuan can be determined according to the configuration information of the coupon a1, the merchant B2 can directly receive T yuan from the payment user side, the coupon a1 verifies the completion of the sale, and the user side also displays the completion of the payment. At the same time, a Y-dollar may also be commissioned by merchant B2 to merchant B1 under the agreement of coupon a 1.

If the payment user consumes in the commercial place of the designated merchant B2 of the coupon A1 within the valid period, but the consumption amount does not reach the reimbursement standard of the coupon A1, or the payment user does not consume in the commercial place of the designated merchant B2 within the valid period of the coupon, the payment user directly deducts account money for payment through deduction according to the equal amount of the payment deduction amount and the frozen profit obtained by the payment pipelining 123. As shown in fig. 4, when the user conducts a transaction at the merchant B1, a prepaid withholding may be performed, and when the user does not reach the merchant B2 within the time specified by the coupon a1, the merchant B1 may request an automatic withholding X dollars from the payment platform, and the prepaid status of the coupon a1 is disabled. As shown in fig. 5, the transaction sequence of the unverified scene during the validity period is: if the designated transaction is not completed within the validity period of the coupon a1, the payment platform may notify the merchant B1 and merchant B2 of the status of the coupon unchecked completion, and initiate a debit from merchant B1 or B2 according to the agreement of the coupon a1, and deduct the Y element from the account of the payment user to merchant B1. If the deduction fails, the merchants B1 and B2 need to negotiate how the loss of the part is processed.

In the embodiment of the specification, the issuing and the verification of the consumption coupon are carried out through the combination of the multiple merchants, the user can promote the transaction of the user at the subsequent associated merchants due to the pre-establishment of the electronic coupon and the loss of interest of the user in the associated pre-determined merchants, the active verification of the coupon is realized, the verification rate of the coupon is promoted and the marketing cost is reduced through the issuing and the verification of the consumption coupon of the cross merchants and the first-sharing and later-paying of the credit with zero threshold, the first-sharing and later-paying is the subsequent transaction behavior rather than the cash of the original merchant.

In the present specification, each embodiment of the method is described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. The relevant points can be obtained by referring to the partial description of the method embodiment.

Based on the transaction data processing method, one or more embodiments of the present specification further provide a device for transaction data processing. The system may include devices (including distributed systems), software (applications), modules, components, servers, clients, etc. that use the methods described in embodiments of the present specification in conjunction with hardware where necessary to implement the apparatus. Based on the same innovative conception, embodiments of the present specification provide an apparatus as described in the following embodiments. Since the implementation scheme of the apparatus for solving the problem is similar to that of the method, the specific apparatus implementation in the embodiment of the present specification may refer to the implementation of the foregoing method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.

Specifically, fig. 6 is a schematic block structure diagram of an embodiment of the transaction data processing apparatus provided in this specification, which may be immediately used as a payment platform in the foregoing embodiment, as shown in fig. 6, the transaction data processing apparatus provided in this specification may include:

the first transaction request receiving module 61 is configured to receive a first resource approval and cancellation request, where the first resource approval and cancellation request includes a first transaction amount, a first transaction user identifier, a payment user identifier, and a resource to be approved and cancelled;

the first resource verification and cancellation module 62 is configured to determine a first payment amount and a first benefit amount of the first resource verification and cancellation request according to the configuration information of the resource to be verified and cancelled and the first transaction amount, and perform resource verification and cancellation on the resource to be verified and cancelled for the first time;

a second transaction request receiving module 63, configured to receive a second resource approval and cancellation request within the validity period of the resource to be approved and cancelled, where the second resource approval and cancellation request includes a second transaction amount, the resource to be approved and cancelled, the payment user identifier, and a second transaction user identifier; the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier are protocol-associated reimbursement users of the resource to be reimbursed;

and the second resource auditing module 64 is configured to determine a second payment amount and a second preferential amount of the second resource auditing request according to the configuration information of the resource to be audited and the second transaction amount, and perform second resource auditing on the resource to be audited and audited.

In some embodiments of the present description, the apparatus further includes a buckle module configured to:

and if the second transaction request receiving module does not receive the second resource verification request within the validity period of the resource to be verified, deducting the resource corresponding to the first preferential amount from the payment account corresponding to the payment user identifier.

Fig. 7 is a schematic block diagram of an embodiment of a transaction data processing apparatus provided in this specification, which may be immediately used as the first transaction user terminal in the above embodiment, as shown in fig. 7, the transaction data processing apparatus provided in this specification may include:

a first payment request receiving module 71, configured to receive a first payment request, where the first payment request includes a payment user identifier and a resource to be verified;

the first resource verification and cancellation request module 72 is configured to send a first resource verification and cancellation request to a payment platform, where the first resource verification and cancellation request includes a first transaction amount, a first transaction user identifier, the payment user identifier, and the resource to be verified and cancelled, so that the payment platform performs first resource verification and cancellation on the resource to be verified and cancelled, and completes second resource verification and cancellation of the resource to be verified and cancelled within an effective period of the resource to be verified and cancelled.

Fig. 8 is a schematic block diagram of an embodiment of a transaction data processing apparatus provided in this specification, which may be immediately used as a second transaction user terminal in the above embodiment, as shown in fig. 8, the transaction data processing apparatus provided in this specification may include:

a second payment request receiving module 81, configured to receive a second payment request, where the second payment request includes a payment user identifier and a resource to be checked and sold;

the second verification and cancellation request module 82 is configured to determine whether the resource to be verified and cancelled is currently within the validity period, and if yes, send a second resource verification and cancellation request to the payment platform, where the second resource verification and cancellation request includes a second transaction amount, a second transaction user identifier, the payment user identifier, and the resource to be verified and cancelled, so that the payment platform performs second resource verification and cancellation on the resource to be verified and cancelled, and completes second resource verification and cancellation of the resource to be verified and cancelled within the validity period of the resource to be verified and cancelled.

The transaction data processing device provided in the embodiment of the present specification jointly performs the resource-related audit transaction by at least two transaction users, so that the user can enjoy a certain benefit when performing the first audit transaction by using the resource, and the user is prompted to need to perform the second transaction to the designated transaction user within the designated validity period, so as to really enjoy the benefit. The resource verification method has the advantages that the resource verification power of transaction users is improved, the resource conversion rate is further improved, meanwhile, the source of the verified and sold resources can be determined to be the transaction users who verify and sell the resources for the first time, and a data basis is provided for the effect analysis brought by the resources.

It should be noted that the above-mentioned apparatus may also include other embodiments according to the description of the corresponding method embodiment. The specific implementation manner may refer to the description of the above corresponding method embodiment, and is not described in detail herein.

An embodiment of the present specification further provides a transaction data processing device, including: at least one processor and a memory for storing processor-executable instructions, the processor implementing the transaction data processing method of the above embodiments when executing the instructions, such as:

Or, receiving a first payment request, wherein the first payment request comprises a payment user identifier and a resource to be verified and sold;

Or, receiving a second payment request, wherein the second payment request comprises a payment user identifier and a resource to be checked and sold;

An embodiment of the present specification further provides a transaction data processing system, including: the system comprises a payment platform, a payment user terminal and at least two transaction user terminals; the payment platform comprises at least one processor and a memory for storing processor executable instructions, and the processor executes the instructions to implement the method in the embodiment of the payment platform and perform resource verification and cancellation processing on resources to be verified and cancelled;

the transaction user terminal comprises at least one processor and a memory for storing processor executable instructions, and when the processor executes the instructions, the method in the embodiment of the first transaction user terminal or the second transaction user terminal is realized, and the processor is used for receiving a payment request sent by the payment terminal and sending a resource verification transaction request to the payment platform, so that the payment platform verifies and sells the resource to be verified and sold.

It should be noted that the above description of the apparatus and system according to the method embodiments may also include other embodiments. The specific implementation manner may refer to the description of the related method embodiment, and is not described in detail herein.

The transaction data processing device provided by the specification can also be applied to various data analysis processing systems. The system or server or terminal or device may be a single server, or may include a server cluster, a system (including a distributed system), software (applications), actual operating devices, logical gate devices, quantum computers, etc. using one or more of the methods described herein or one or more embodiments of the system or server or terminal or device, in combination with necessary end devices implementing hardware. The system for checking for discrepancies may comprise at least one processor and a memory storing computer-executable instructions that, when executed by the processor, implement the steps of the method of any one or more of the embodiments described above.

The method embodiments provided by the embodiments of the present specification can be executed in a mobile terminal, a computer terminal, a server or a similar computing device. Taking the example of the operation on the server, fig. 9 is a block diagram of the hardware structure of the transaction data processing server in one embodiment of the present specification, and the computer terminal may be the transaction data processing server or the transaction data processing device in the above embodiment. As shown in fig. 9, the server 10 may include one or more (only one shown) processors 100 (the processors 100 may include, but are not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA, etc.), a non-volatile memory 200 for storing data, and a transmission module 300 for communication functions. It will be understood by those skilled in the art that the structure shown in fig. 9 is only an illustration and is not intended to limit the structure of the electronic device. For example, the server 10 may also include more or fewer components than shown in FIG. 9, and may also include other processing hardware, such as a database or multi-level cache, a GPU, or have a different configuration than shown in FIG. 9, for example.

The non-volatile memory 200 may be used to store software programs and modules of application software, such as program instructions/modules corresponding to the transaction data processing method in the embodiment of the present specification, and the processor 100 executes various functional applications and resource data updates by running the software programs and modules stored in the non-volatile memory 200. Non-volatile memory 200 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the non-volatile memory 200 may further include memory located remotely from the processor 100, which may be connected to a computer terminal through a network. Examples of such networks include, but are not limited to, the internet, intranets, office-to-network, mobile communication networks, and combinations thereof.

The transmission module 300 is used for receiving or transmitting data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider of the computer terminal. In one example, the transmission module 300 includes a Network adapter (NIC) that can be connected to other Network devices through a base station so as to communicate with the internet. In one example, the transmission module 300 may be a Radio Frequency (RF) module, which is used for communicating with the internet in a wireless manner.

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

The method or apparatus provided in this specification and described in the foregoing embodiments may implement service logic through a computer program and record the service logic on a storage medium, where the storage medium may be read and executed by a computer, and implement the effects of the solutions described in the embodiments of this specification, such as:

The storage medium may include a physical device for storing information, and typically, the information is digitized and then stored using an electrical, magnetic, or optical media. The storage medium may include: devices that store information using electrical energy, such as various types of memory, e.g., RAM, ROM, etc.; devices that store information using magnetic energy, such as hard disks, floppy disks, tapes, core memories, bubble memories, and usb disks; devices that store information optically, such as CDs or DVDs. Of course, there are other ways of storing media that can be read, such as quantum memory, graphene memory, and so forth.

The transaction data processing method or apparatus provided in the embodiments of the present specification may be implemented in a computer by a processor executing corresponding program instructions, for example, implemented in a PC end using a c + + language of a windows operating system, implemented in a linux system, or implemented in an intelligent terminal using android, iOS system programming languages, implemented in processing logic based on a quantum computer, or the like.

It should be noted that descriptions of the apparatus, the computer storage medium, and the system described above according to the related method embodiments may also include other embodiments, and specific implementations may refer to descriptions of corresponding method embodiments, which are not described in detail herein.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the hardware + program class embodiment, since it is substantially similar to the method embodiment, the description is simple, and the relevant points can be referred to only the partial description of the method embodiment.

The embodiments of the present description are not limited to what must be consistent with industry communications standards, standard computer resource data updating and data storage rules, or what is described in one or more embodiments of the present description. Certain industry standards, or implementations modified slightly from those described using custom modes or examples, may also achieve the same, equivalent, or similar, or other, contemplated implementations of the above-described examples. The embodiments using the modified or transformed data acquisition, storage, judgment, processing and the like can still fall within the scope of the alternative embodiments of the embodiments in this specification.

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

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

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

Although one or more embodiments of the present description provide method operational steps as described in the embodiments or flowcharts, more or fewer operational steps may be included based on conventional or non-inventive approaches. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When the device or the end product in practice executes, it can execute sequentially or in parallel according to the method shown in the embodiment or the figures (for example, in the environment of parallel processors or multi-thread processing, even in the environment of distributed resource data update). The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, the presence of additional identical or equivalent elements in a process, method, article, or apparatus that comprises the recited elements is not excluded. The terms first, second, etc. are used to denote names, but not any particular order.

For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. Of course, when implementing one or more of the present description, the functions of each module may be implemented in one or more software and/or hardware, or a module implementing the same function may be implemented by a combination of multiple sub-modules or sub-units, etc. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

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 resource data updating apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable resource data updating 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 resource data update 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 resource data update apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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

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

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

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

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

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, and the relevant points can be referred to only part of the description of the method embodiments. In the description of the specification, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the specification. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

The above description is merely exemplary of one or more embodiments of the present disclosure and is not intended to limit the scope of one or more embodiments of the present disclosure. Various modifications and alterations to one or more embodiments described herein will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the present specification should be included in the scope of the claims.

Claims

1. A method of transaction data processing, the method comprising:

receiving a second resource approval and cancellation request in the valid period of the resource to be approved and cancelled, wherein the second resource approval and cancellation request comprises a second transaction amount, the resource to be approved and cancelled, the payment user identification and a second transaction user identification; the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier are protocol-associated reimbursement users of the resource to be reimbursed;

2. The method of claim 1, further comprising:

3. The method of claim 1, after performing a second resource cancellation on the resource to be cancelled, the method further comprising:

4. The method of claim 1, upon receiving the second resource cancellation request, the method further comprising:

5. The method of claim 4, further comprising:

6. The method of claim 1, upon completion of a first resource cancellation of the resource to be cancelled, the method further comprising:

7. The method of claim 1, upon completion of a second resource cancellation of the resource to be cancelled, the method comprising:

8. The method of claim 1, prior to receiving the first resource cancellation request, the method further comprising:

9. The method of claim 1, wherein the determining a first payment amount and a first preferential amount of the first resource underwriting request according to the configuration information of the resource to be underwritten and the first transaction amount, and performing first resource underwriting on the resource to be underwritten comprises:

10. A method of transaction data processing, the method comprising:

11. A method of transaction data processing, the method comprising:

12. A transaction data processing apparatus comprising:

the second transaction request receiving module is used for receiving a second resource approval and cancellation request in the valid period of the resource to be approved and cancelled, wherein the second resource approval and cancellation request comprises a second transaction amount, the resource to be approved and cancelled, the payment user identification and a second transaction user identification; the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier are protocol-associated reimbursement users of the resource to be reimbursed;

13. The apparatus of claim 12, further comprising a withholding module to:

14. A transaction data processing apparatus comprising:

15. A transaction data processing apparatus comprising:

16. A transaction data processing device comprising: at least one processor and a memory for storing processor-executable instructions, the processor implementing the method of any one of claims 1-11 when executing the instructions.

17. A transaction data processing system comprising: the system comprises a payment platform, a payment user terminal and at least two transaction user terminals; wherein the payment platform comprises at least one processor and a memory for storing processor-executable instructions, the processor implementing the method of any one of claims 1-9 when executing the instructions for resource underwriting processing of resources to be underwritten;

the transaction user terminal comprises at least one processor and a memory for storing processor-executable instructions, which when executed by the processor implement the method of claim 10 or 11, for receiving a payment request sent by the payment terminal and sending a resource underwriting transaction request to the payment platform, so that the payment platform underwrits a resource to be underwritten.