CN112561689A - Transaction data recording processing method, device, equipment and storage medium - Google Patents
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Abstract
The invention discloses a method, a device, equipment and a storage medium for recording and processing transaction data, and belongs to the field of data processing. The transaction data recording and processing method comprises the following steps: receiving a transaction request of a user, and determining a target account and a transaction type according to the request; generating a corresponding transaction-level account under the target account according to the transaction type; and correspondingly recording the transaction data contained in the transaction request into each data field of the transaction-level account. The invention adds transaction-level account hierarchy under the existing account system, can establish at least one transaction-level account under the account for each transaction, and determines parent-child relationship among the transaction-level accounts according to derivative relationship, thereby being capable of determining income brought by each service in finance, being capable of backtracking the occurrence time of each transaction and greatly improving the precision of accounting processing.
Description
Technical Field
The invention relates to the field of data processing, in particular to a method, a device, equipment and a storage medium for recording and processing transaction data.
Background
Currently, the use of credit cards is widespread for the following reasons:
for banks, issuing credit cards may bring profits. The first point is that the card-swiping fee can be collected, and if you swipe the card on the pos machine, the fee is collected; the second point is to charge the annual fee of the credit card, and each bank charges the annual fee of the credit card according to the regulation; the third point is to collect interest, which is the maximum income of the bank credit card, under the general condition, the bank can set a free period for overdrawing the credit card, and no money can be deducted in the free period, but if the free period is exceeded, the bank can deduct the fee according to the charging standard; the fourth point is to collect the cash-taking procedure fee, some people can use the credit card as a deposit card and even can draw cash from the credit card, although the withdrawal is more convenient, the bank can deduct a certain procedure fee; the last one is to collect the installment fee, if the fund has not been enough, many people will handle the credit card installment service, when the credit card reaches the repayment date, the bank will recommend the installment service of the credit card, if the credit card installment is handled, they can enjoy many kinds of benefits, including the credit card score doubling, and the installment fee discounting, etc., and the installment fee is calculated according to the installment time.
For the card holder, the credit card can be used for obtaining the preference of the merchant, the credit card points can be exchanged for gifts, and the bank can do activities such as cash return, low exchange rate staging and the like irregularly.
The credit card can bring a lot of profits to banks, and cardholders can also obtain some benefits by using the credit card, but different types of consumption of the credit card still bring great difference to the profits of the banks, for example, consumption, installments and the like are favorite transactions of the banks, because the transactions bring great profits to the banks, and common consumption and real estate consumption are subdivided in the consumption. However, in the traditional accounting mode, the balance is summarized, and different interest rates and rates cannot be adopted for different transactions; in addition, interest and cost are aggregated and not traceable, i.e., it is not clear which particular transaction resulted in interest and cost. Thus resulting in failure to achieve fine accounting of accounting.
With the continuous development of credit card business, the selling and accounting mode of credit cards is continuously evolved, the fine accounting and the demand of differential pricing of accounting are more and more strong, and the traditional account system cannot meet the business demand more and more.
Disclosure of Invention
The invention aims to solve the technical problem that bank accounts cannot be finely checked due to the fact that transactions cannot be merged into accounts according to balance types in the prior art, and provides a transaction data recording and processing method, an electronic device, computer equipment and a storage medium.
The invention solves the technical problems through the following technical scheme:
a method for processing a record of transaction data, comprising the steps of:
receiving a transaction request of a user, and determining a target account and a transaction type according to the request;
generating a corresponding transaction-level account under the target account according to the transaction type;
and correspondingly recording the transaction data contained in the transaction request into each data field of the transaction-level account.
In the technical scheme, under the existing account system, transaction-level account hierarchies are newly added, and the income brought by each service can be confirmed in finance.
Preferably, the method further comprises:
and dividing the transaction data by taking the target account as a dimension according to preset configuration, and issuing the transaction data to a corresponding processor for posting.
In the technical scheme, distributed processing is introduced, all data are divided by taking a target account as a dimension, and then are distributed to a plurality of processors for data processing and posting, the processors are independent from each other and do not influence each other, unified data processing logic is set on each processor, and the parallel processing capacity of the system is improved.
Preferably, the step of receiving a transaction request from a user and determining a target account and a transaction type according to the transaction request includes the following sub-steps:
receiving a message for representing the transaction request, wherein the message contains identification information, and the identification information comprises an account identification for representing the target account and a type identification for representing the transaction type;
intercepting a message segment used for representing the identification information in the message, and identifying the account identification and the type identification from the message segment;
determining a target account corresponding to the account identification according to the account identification and a preset identification-account corresponding relation;
and determining the transaction type corresponding to the type identifier according to the type identifier and a preset identifier-transaction corresponding relation.
In the technical scheme, the target account and the transaction type of the transaction can be quickly determined by intercepting the account identifier and the type identifier in the message.
Preferably, the step of generating a corresponding transaction-level account under the target account according to the transaction type includes the following sub-steps:
determining corresponding accounting types according to the transaction types, wherein one transaction type corresponds to at least one accounting type;
and generating at least one corresponding transaction-level account under the target account according to the accounting type.
In the technical scheme, a plurality of transaction-level accounts are created for each transaction according to the accounting type, so that each profit is independently recorded, and the profit analysis and traceability of finance are improved.
Preferably, the step of generating at least one corresponding transaction-level account under the target account according to the billing type includes the following sub-steps:
determining the number of the transaction-level accounts according to the number of the accounting types corresponding to the transaction types, wherein one accounting type corresponds to one transaction-level account;
and generating a corresponding amount of transaction account IDs according to the amount of the transaction-level accounts, distributing the transaction account IDs to the transaction-level accounts, and recording the transaction account IDs in the transaction-level accounts.
In the technical scheme, the same amount of transaction-level accounts are created for each transaction according to the number of the accounting types so as to realize the independent record of profit of each transaction, the occurrence time of each transaction can be distinguished in account processing, and the accuracy of account processing is improved.
Preferably, the step of generating a corresponding number of transaction account IDs according to the number of the transaction-level accounts, allocating the transaction account IDs to the transaction-level accounts, and recording the transaction account IDs after the step of recording the transaction account IDs in the transaction-level accounts further includes the following steps:
identifying a number of the transaction level accounts generated;
when the number of the transaction-level accounts exceeds one, determining the parent-child relationship of each transaction-level account according to the accounting type;
and recording the transaction account ID of the corresponding transaction-level account of the parent level in the transaction-level accounts of the child levels.
In the technical scheme, the parent-child relationship of each transaction-level account is determined according to the derivative relationship, so that the income brought by each service can be confirmed in finance, the occurrence time of each transaction can be traced back, and the accuracy of financial processing is greatly improved.
The invention also discloses a transaction data recording and processing device, which comprises:
the receiving module is used for receiving a transaction request of a user;
the request analysis module is used for determining a target account and a transaction type according to the request;
the account construction module is used for generating a corresponding transaction-level account under the target account according to the transaction type;
and the data recording module is used for correspondingly recording the transaction data contained in the transaction request into each field of the transaction-level account.
In the technical scheme, under the existing account system, transaction-level account hierarchies are newly added, and the income brought by each service can be confirmed in finance.
Preferably, the transaction data recording and processing device further includes:
and the data issuing module is used for dividing the transaction data by taking the target account as a dimension according to preset configuration and issuing the transaction data to the corresponding processor for posting.
In the technical scheme, distributed processing is introduced, all data are divided by taking a target account as a dimension, and then are distributed to a plurality of processors for data processing and posting, the processors are independent from each other and do not influence each other, unified data processing logic is set on each processor, and the parallel processing capacity of the system is improved.
The invention also discloses computer equipment which comprises a memory and a processor, wherein the memory is stored with a computer program, and the computer program is executed by the processor to realize the steps of the transaction data recording processing method of any one of the technical schemes.
The invention also discloses a computer readable storage medium, in which a computer program is stored, the computer program can be executed by at least one processor to implement the steps of the transaction data recording processing method according to any one of the above technical solutions.
The positive progress effects of the invention are as follows: under the existing account system, transaction-level account hierarchies are newly added, at least one transaction-level account can be established under the account for each transaction, and parent-child relationships are determined among the transaction-level accounts according to derivative relationships, so that income brought by each service can be confirmed in finance, the occurrence time of each transaction can be traced back, and the accuracy of account processing is greatly improved.
Drawings
FIG. 1 is a flow chart of a first embodiment of a transaction data recording processing method of the present invention;
FIG. 2 shows a flowchart related to step 1 in the first embodiment;
FIG. 3 shows a flow chart related to step 2 in the first embodiment;
FIG. 4 shows a flowchart related to step 22 in a first embodiment;
FIG. 5 is a flow chart of a second embodiment of a transaction data recording method according to the present invention;
FIG. 6 is a block diagram showing a first embodiment of a transaction data record processing apparatus according to the present invention;
FIG. 7 is a block diagram showing a second embodiment of a transaction data record processing apparatus according to the present invention;
fig. 8 shows a hardware architecture diagram of an embodiment of the computer apparatus of the present invention.
Detailed Description
The invention is further illustrated by the following examples, which are not intended to limit the scope of the invention.
Firstly, the invention provides a record processing method of transaction data, which is mainly suitable for a bank system.
In one embodiment, as shown in fig. 1, the method for processing transaction data records includes the following steps:
step 1: receiving a transaction request of a user, and determining a target account and a transaction type according to the request.
The user is usually a credit card holder, the credit card is called a credit card, and is a consumption loan service provided by a bank, compared with a deposit card, the credit card is held to be capable of carrying out charge consumption under the condition that no cash is in the card, only the consumption amount needs to be returned according to date, but the user generally overdraft in a specified amount, the bank can judge the repayment capability of the user according to factors such as personal assets, development potential and working income of the user, and then a credit line is given to the user so as to avoid financial risk brought to the bank due to overhigh credit line.
The bank may charge various fees by issuing the credit card when the user consumes the credit card, which are fees due to the bank, and which are derived according to the type and amount of the user's consumption.
Here, the user usually needs to initiate a transaction request through a POS or a mobile phone payment, and the POS and the mobile phone both belong to terminal devices, that is, the user sends a transaction request to the union pay system through one terminal device. The transaction request includes a lot of information such as the account of both parties of the transaction, the transaction amount, the transaction type, and the like. As described above, banks charge different fees for different transaction types, and therefore, after a transaction request is received by a bank system, it is necessary to determine a target account (i.e., a debit account) and a transaction type corresponding to the transaction request as soon as possible. Specifically, as shown in fig. 2, the step 1 can be implemented by the following sub-steps:
step 11: receiving a message for representing the transaction request, wherein the message contains identification information, and the identification information comprises an account identification for representing the target account and a type identification for representing the transaction type;
step 12: intercepting a message segment used for representing the identification information in the message, and identifying the account identification and the type identification from the message segment;
step 13: determining a target account corresponding to the account identification according to the account identification and a preset identification-account corresponding relation;
step 14: and determining the transaction type corresponding to the type identifier according to the type identifier and a preset identifier-transaction corresponding relation.
The transaction request is usually sent in a message form, a string of messages can be divided into a plurality of segments of identification codes, each segment of identification code is used for representing different information, such as account identification, transaction type identification and the like, and based on the identification, the bank system can determine accounts, transaction types and the like of two parties of the transaction according to the content of the messages after receiving the transaction request.
It should be noted that, the step 13 and the step 14 described herein do not have a specific execution order, and may be executed simultaneously, or may be executed in order, and the order may be changed.
Step 2: and generating a corresponding transaction-level account under the target account according to the transaction type.
The target account is usually corresponding to the credit card number of the transaction request, and can be directly distinguished by using the card number, and the transaction type includes cash-out transaction, consumption transaction and the like. Generally, each transaction type is accompanied by a plurality of associated transactions, for example, cash-out transaction is associated with interest and commission fees; the POS machine swipes the card to perform consumption transaction, and generates card swiping commission, interest, staging commission and the like in a correlation manner. When the original account is kept, the associated transactions in one transaction type are all summarized and recorded and cannot be accurately distinguished, and a bank can only trace out which transaction is profitable, the total amount of the profit is what, and the profit corresponding to each associated transaction item cannot be distinguished.
Therefore, after receiving a transaction request and determining the corresponding transaction type, there are usually a plurality of transaction-level accounts generated, wherein one transaction-level account is used to record the principal involved in the transaction request, and the other transaction-level accounts record the fees (including interest and commission fees) derived based on the transaction request. As shown in fig. 3, step 2 is specifically implemented by the following sub-steps:
step 21: and determining corresponding accounting types according to the transaction types, wherein one transaction type corresponds to at least one accounting type.
Step 22: and generating at least one corresponding transaction-level account under the target account according to the accounting type.
For the purpose of establishing a transaction-level account, a corresponding relationship between a transaction type and an accounting type needs to be preset in a banking system, for example: the cash withdrawal transaction type corresponds to three accounting types of principal, interest and commission charge. Therefore, the corresponding accounting type is found according to the determined transaction type, and then the one-to-one corresponding transaction-level account is generated according to the accounting type. In order to distinguish each transaction-level account, the system also automatically generates transaction account IDs to be distributed to the transaction-level accounts, and each transaction account ID is also a uniquely identifiable identification code and is recorded in a record field for recording the transaction account IDs in the transaction-level accounts.
In summary, as shown in fig. 4, step 22 can be implemented by the following sub-steps:
step 221: and determining the number of the transaction-level accounts according to the number of the accounting types corresponding to the transaction types, wherein one accounting type corresponds to one transaction-level account.
Step 222: and generating a corresponding amount of transaction account IDs according to the amount of the transaction-level accounts, distributing the transaction account IDs to the transaction-level accounts, and recording the transaction account IDs in the transaction-level accounts.
However, if the corresponding transaction-level account is established according to the accounting type, the relationship between the transaction-level accounts derived from one transaction request cannot be identified, i.e., it is not necessary to accurately trace which transaction is profitable. For example, it is not known which principal transaction the interest recorded in an interest transaction level account was derived from. Therefore, the association relationship between the transaction-level accounts generated according to one transaction needs to be determined, and the parent-child relationship may be used to record the transaction account ID of the corresponding parent-level transaction-level account in the child-level transaction-level account. Therefore, after step 222, the following steps may also be included:
step 223: identifying a number of the transaction level accounts generated.
Step 224: and when the number of the transaction-level accounts exceeds one, determining the parent-child relationship of each transaction-level account according to the accounting type.
Step 225: and recording the transaction account ID of the corresponding transaction-level account of the parent level in the transaction-level accounts of the child levels.
By establishing a corresponding sub-account for each transaction for accounting and associating the associated accounts through the transaction account ID of the parent transaction-level account, the original transaction associated with each transaction can be traced clearly, which is equivalent to tracing the source of each profit.
In addition, because each transaction establishes a sub-account correspondingly, different interest rates and rates can be used for different transactions through background configuration, the transactions in different time periods can be distinguished, and then cash back activities are carried out according to different time periods. For example, the installment rate for a certain period of time is particularly low, if all together, each transaction can only enjoy one price, and the transaction enjoying the low installment rate can be distinguished conveniently by separately accounting each transaction.
And step 3: and correspondingly recording the transaction data contained in the transaction request into each data field of the transaction-level account.
In addition to the aforementioned data fields of transaction account ID, transaction account ID of parent transaction level account, etc., the data fields of each transaction level account also include balance, account ID of target account (i.e., account number), etc.
In step 1, the target account can be identified according to the transaction request, so that the transaction-level account generated here is correspondingly attributed to the target account, and since one transaction-level account is a piece of complete data, a record field of a target account ID can be set in the transaction-level account here, and the attribution of the transaction can be quickly located through the target account ID recorded in each transaction-level account.
In addition, the principal amount of each transaction, interest derived from the principal, procedure, etc. are important transaction data, and all need to be recorded in the balance field of each transaction level account.
In the first embodiment, a transaction-level account hierarchy is newly added under the existing account system, at least one transaction-level account can be established under the account for each transaction, and the parent-child relationship is determined among the transaction-level accounts according to the derivative relationship, so that the income brought by each service can be determined in finance, the occurrence time of each transaction can be traced back, and the accuracy of financial processing is greatly improved.
In the second embodiment, based on the first embodiment, as shown in fig. 5, the transaction data recording processing method includes the following steps:
step 1 to step 3 are the same as those of the first embodiment, and are not described herein again.
And 4, step 4: and dividing the transaction data by taking the target account as a dimension according to preset configuration, and issuing the transaction data to a corresponding processor for posting.
Generally speaking, after a user uses a credit card to conduct transaction, each transaction cannot be immediately checked, a general bank can set a check-in period, such as T +1 or T +2, and a transaction-level account cannot be established respectively for principal, interest, commission charge and the like in each transaction, and only a general account is recorded.
In order to solve the problems, distributed processing is introduced, and splitting rules of target accounts are preset in a bank system. Specifically, all data are grouped by taking a target account as a dimension, a plurality of transaction-level accounts under the same target account are grouped in the same group, and the same group comprises a plurality of target accounts. And then, data processing and posting are carried out on the lower part of each group of data to a plurality of processors, the processors are independent and do not influence each other, a unified data processing logic is set on each processor, and if 60 processors exist, the method is equivalent to simultaneously processing 60 parts of data according to the same data processing logic, so that the parallel processing capability of the system is improved. Moreover, the number of processors can be expanded laterally subsequently as the data grows.
In the second embodiment, on the basis of the first embodiment, distributed processing for posting is added, and a processing task of data is split according to a splitting rule and is issued to each machine for processing, so that the data processing requirements of the accounting mode of the transaction-level account are met.
Secondly, the present invention provides a transaction data record processing device, and the device 20 can be divided into one or more modules.
For example, fig. 6 shows a block diagram of a first embodiment of the transaction data record processing apparatus 20, in which embodiment the apparatus 20 may be divided into a receiving module 201, a request parsing module 202, an account construction module 203 and a data recording module 204. The following description will specifically describe the specific functions of the module 201 and 204.
The receiving module 201 is used for receiving a transaction request of a user.
Here, the user usually needs to initiate a transaction request through a POS or a mobile phone payment, and the POS and the mobile phone both belong to terminal devices, that is, the user sends a transaction request to the union pay system through one terminal device.
The request parsing module 202 is configured to determine a target account and a transaction type according to the request.
The transaction request is usually sent in a message form, a string of messages can be divided into a plurality of segments of identification codes, each segment of identification code is used for representing different information, such as account identification, transaction type identification and the like, and based on the information, the bank system can analyze the accounts, the transaction types and the like of two parties of the transaction according to the content of the messages after receiving the transaction request.
The account construction module 203 is configured to generate a corresponding transaction-level account under the target account according to the transaction type.
When a transaction request is received and the corresponding transaction type is determined, a plurality of transaction-level accounts are generated, wherein one transaction-level account is used for recording the principal involved in the transaction request, and other transaction-level account users record the fees (including interest, commission fees and the like) derived based on the transaction request.
For the purpose of establishing a transaction-level account, a corresponding relationship between a transaction type and an accounting type needs to be preset in a banking system, for example: the cash withdrawal transaction type corresponds to three accounting types of principal, interest and commission charge. Therefore, the corresponding accounting type is found according to the determined transaction type, and then the one-to-one corresponding transaction-level account is generated according to the accounting type. In order to distinguish each transaction-level account, the system also automatically generates transaction account IDs to be distributed to the transaction-level accounts, and each transaction account ID is also a uniquely identifiable identification code and is recorded in a record field for recording the transaction account IDs in the transaction-level accounts.
However, if the corresponding transaction-level account is established according to the accounting type, the relationship between the transaction-level accounts derived from one transaction request cannot be identified, i.e., it is not necessary to accurately trace which transaction is profitable. For example, it is not known which principal transaction the interest recorded in an interest transaction level account was derived from. Therefore, the association relationship between the transaction-level accounts generated according to one transaction needs to be determined, and the parent-child relationship may be used to record the transaction account ID of the corresponding parent-level transaction-level account in the child-level transaction-level account.
By establishing a corresponding sub-account for each transaction for accounting and associating the associated accounts through the transaction account ID of the parent transaction-level account, the original transaction associated with each transaction can be traced clearly, which is equivalent to tracing the source of each profit.
The data recording module 204 is configured to correspondingly record the transaction data included in the transaction request into each field of the transaction-level account.
In addition to the aforementioned data fields of transaction account ID, transaction account ID of parent transaction level account, etc., the data fields of each transaction level account also include balance, account ID of target account (i.e., account number), etc.
The target account can be identified according to the transaction request, so that the generated transaction-level account is correspondingly classified under the target account, and one transaction-level account is complete data, so that a record field of a target account ID can be set in the transaction-level account, and the classification of the transaction can be quickly positioned through the target account ID recorded in each transaction-level account.
In addition, the principal amount of each transaction, interest derived from the principal, procedure, etc. are important transaction data, and all need to be recorded in the balance field of each transaction level account.
In the first embodiment, transaction-level account hierarchies are newly added under the existing account system, at least one transaction-level account can be established under the account for each transaction, and the parent-child relationship is determined among the transaction-level accounts according to the derivative relationship, so that the income brought by each service can be confirmed in finance, the occurrence time of each transaction can be traced back, and the accuracy of financial processing is greatly improved.
For another example, fig. 7 shows a structure diagram of a second embodiment of the record processing device 20 for transaction data, in this embodiment, the record processing device 20 for transaction data may be further divided into a receiving module 201, a request parsing module 202, an account construction module 203, a data recording module 204 and a data issuing module 205.
The modules 201 and 204 are the same as those of the first embodiment, and are not described herein again.
The data issuing module 205 is configured to divide the transaction data by taking the target account as a dimension according to a preset configuration, and issue the transaction data to a corresponding processor for posting.
The second embodiment adds distributed processing for posting on the basis of the first embodiment, and splits the processing task of the data according to the splitting rule and sends the split processing task to each machine for processing so as to meet the data processing requirement of the accounting mode of the transaction-level account.
The invention further provides computer equipment.
Fig. 8 is a schematic diagram of a hardware architecture of an embodiment of the computer device according to the present invention. In the present embodiment, the computer device 2 is a device capable of automatically performing numerical calculation and/or information processing in accordance with a preset or stored instruction. For example, the server may be a smart phone, a tablet computer, a notebook computer, a desktop computer, a rack server, a blade server, a tower server, or a rack server (including an independent server or a server cluster composed of a plurality of servers). As shown, the computer device 2 includes, but is not limited to, at least a memory 21, a processor 22, and a network interface 23 communicatively coupled to each other via a system bus. Wherein:
the memory 21 includes at least one type of computer-readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the memory 21 may be an internal storage unit of the computer device 2, such as a hard disk or a memory of the computer device 2. In other embodiments, the memory 21 may also be an external storage device of the computer device 2, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like provided on the computer device 2. Of course, the memory 21 may also comprise both an internal storage unit of the computer device 2 and an external storage device thereof. In this embodiment, the memory 21 is generally used for storing an operating system installed in the computer device 2 and various types of application software, such as a computer program for implementing the recording processing method of the transaction data. Further, the memory 21 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 22 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 22 is generally configured to control the overall operation of the computer device 2, such as performing control and processing related to data interaction or communication with the computer device 2. In this embodiment, the processor 22 is configured to run a program code stored in the memory 21 or process data, for example, run a computer program for implementing the recording processing method of the transaction data.
The network interface 23 may comprise a wireless network interface or a wired network interface, and the network interface 23 is typically used to establish a communication connection between the computer device 2 and other computer devices. For example, the network interface 23 is used to connect the computer device 2 to an external terminal through a network, establish a data transmission channel and a communication connection between the computer device 2 and the external terminal, and the like. The network may be a wireless or wired network such as an Intranet (Intranet), the Internet (Internet), a Global System of Mobile communication (GSM), Wideband Code Division Multiple Access (WCDMA), a 4G network, a 5G network, Bluetooth (Bluetooth), Wi-Fi, and the like.
It is noted that fig. 8 only shows the computer device 2 with components 21-23, but it is to be understood that not all shown components are required to be implemented, and that more or less components may be implemented instead.
In this embodiment, the computer program stored in the memory 21 for implementing the recording processing method of the transaction data may be executed by one or more processors (in this embodiment, the processor 22) to perform the following steps:
step 1: receiving a transaction request of a user, and determining a target account and a transaction type according to the request;
step 2: generating a corresponding transaction-level account under the target account according to the transaction type;
and step 3: correspondingly recording the transaction data contained in the transaction request into each data field of the transaction-level account;
and 4, step 4: and dividing the transaction data by taking the target account as a dimension according to preset configuration, and issuing the transaction data to a corresponding processor for posting.
Furthermore, the present invention relates to a computer-readable storage medium, which is a non-volatile readable storage medium, and in which a computer program is stored, where the computer program is executable by at least one processor to implement the operation of the above-mentioned transaction data recording processing method or apparatus.
The computer-readable storage medium includes, among others, a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. In some embodiments, the computer readable storage medium may be an internal storage unit of the computer device, such as a hard disk or a memory of the computer device. In other embodiments, the computer readable storage medium may be an external storage device of the computer device, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), etc. provided on the computer device. Of course, the computer-readable storage medium may also include both internal and external storage devices of the computer device. In this embodiment, the computer-readable storage medium is generally used for storing an operating system and various types of application software installed in a computer device, such as the aforementioned computer program for implementing the recording processing method of the transaction data. Further, the computer-readable storage medium may also be used to temporarily store various types of data that have been output or are to be output.
While specific embodiments of the invention have been described above, it will be appreciated by those skilled in the art that this is by way of example only, and that the scope of the invention is defined by the appended claims. Various changes and modifications to these embodiments may be made by those skilled in the art without departing from the spirit and scope of the invention, and these changes and modifications are within the scope of the invention.
Claims (10)
1. A record processing method of transaction data is characterized by comprising the following steps:
receiving a transaction request of a user, and determining a target account and a transaction type according to the request;
generating a corresponding transaction-level account under the target account according to the transaction type;
and correspondingly recording the transaction data contained in the transaction request into each data field of the transaction-level account.
2. The method of transaction data record processing according to claim 1, wherein the method further comprises:
and dividing the transaction data by taking the target account as a dimension according to preset configuration, and issuing the transaction data to a corresponding processor for posting.
3. The method for processing transaction data record according to claim 1, wherein the step of receiving a transaction request from a user and determining a target account and a transaction type according to the transaction request comprises the sub-steps of:
receiving a message for representing the transaction request, wherein the message contains identification information, and the identification information comprises an account identification for representing the target account and a type identification for representing the transaction type;
intercepting a message segment used for representing the identification information in the message, and identifying the account identification and the type identification from the message segment;
determining a target account corresponding to the account identification according to the account identification and a preset identification-account corresponding relation;
and determining the transaction type corresponding to the type identifier according to the type identifier and a preset identifier-transaction corresponding relation.
4. The method for processing records of transaction data according to claim 1, wherein the step of generating a corresponding transaction-level account under the target account according to the transaction type comprises the following sub-steps:
determining corresponding accounting types according to the transaction types, wherein one transaction type corresponds to at least one accounting type;
and generating at least one corresponding transaction-level account under the target account according to the accounting type.
5. The method for processing records of transaction data according to claim 1, wherein the step of generating at least one transaction-level account under the target account according to the accounting type comprises the following sub-steps:
determining the number of the transaction-level accounts according to the number of the accounting types corresponding to the transaction types, wherein one accounting type corresponds to one transaction-level account;
and generating a corresponding amount of transaction account IDs according to the amount of the transaction-level accounts, distributing the transaction account IDs to the transaction-level accounts, and recording the transaction account IDs in the transaction-level accounts.
6. The method for processing records of transaction data according to claim 5, wherein the step of generating a corresponding number of transaction account IDs according to the number of the transaction-level accounts, assigning the transaction account IDs to the transaction-level accounts, and recording the transaction account IDs after the step of recording the transaction account IDs in the transaction-level accounts further comprises the following steps:
identifying a number of the transaction level accounts generated;
when the number of the transaction-level accounts exceeds one, determining the parent-child relationship of each transaction-level account according to the accounting type;
and recording the transaction account ID of the corresponding transaction-level account of the parent level in the transaction-level accounts of the child levels.
7. A transaction data record processing apparatus, comprising:
the receiving module is used for receiving a transaction request of a user;
the request analysis module is used for determining a target account and a transaction type according to the request;
the account construction module is used for generating a corresponding transaction-level account under the target account according to the transaction type;
and the data recording module is used for correspondingly recording the transaction data contained in the transaction request into each field of the transaction-level account.
8. The transaction data record processing device according to claim 7, further comprising:
and the data issuing module is used for dividing the transaction data by taking the target account as a dimension according to preset configuration and issuing the transaction data to the corresponding processor for posting.
9. A computer arrangement comprising a memory and a processor, characterized in that the memory has stored thereon a computer program which, when executed by the processor, carries out the steps of the method of record processing of transaction data according to any of claims 1-6.
10. A computer-readable storage medium, in which a computer program is stored which is executable by at least one processor to implement the steps of a method of record processing of transaction data according to any one of claims 1 to 6.
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| CN114140122A (en) * | 2021-12-08 | 2022-03-04 | 工银科技有限公司 | Credit certificate transfer method and device |
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| CN111192138A (en) * | 2019-12-24 | 2020-05-22 | 天阳宏业科技股份有限公司 | Interest-counting processing method, device and equipment for transaction data |
| CN111369347A (en) * | 2020-03-17 | 2020-07-03 | 北京三快在线科技有限公司 | Service processing method, device, equipment and storage medium |
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| CN111192138A (en) * | 2019-12-24 | 2020-05-22 | 天阳宏业科技股份有限公司 | Interest-counting processing method, device and equipment for transaction data |
| CN111369347A (en) * | 2020-03-17 | 2020-07-03 | 北京三快在线科技有限公司 | Service processing method, device, equipment and storage medium |
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