CN113034288A

CN113034288A - Transaction processing method, device and system

Info

Publication number: CN113034288A
Application number: CN202110475321.7A
Authority: CN
Inventors: 杨煜坤; 王乐天; 汤仲喆; 赵旭东
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-04-29
Filing date: 2021-04-29
Publication date: 2021-06-25

Abstract

The application provides a transaction processing method, a device and a system, which relate to the technical field of finance, and the method comprises the following steps: sending a transaction request of a target transaction output by the terminal device to an edge cloud server closest to the terminal device in the edge cloud server cluster; and determining whether the target transaction is a micropayment transaction according to the transaction request, and whether a micropayment authorization amount of a payer corresponding to the target transaction exists in the edge cloud server locally, and whether the micropayment authorization amount is larger than or equal to the transaction amount of the target transaction, if so, finishing the target transaction by using the edge cloud server. The method and the device can reduce the concurrency pressure of the transaction processing system, and further can improve the reliability of the transaction process.

Description

Transaction processing method, device and system

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a transaction processing method, device and system.

Background

With the rapid development of the financial field, the transaction amount of the financial institution is also increasing. At present, data centers of financial institutions such as banks and the like are deployed on a core network, transaction requests need to enter the core network through an access network to interact with the data centers, communication time delay in a transaction process is long, the data centers are susceptible to network fluctuation, and user experience is seriously damaged. Meanwhile, in the peak period of the initiation of the payment request, the concurrent pressure of the core transaction system is increased, and the maintenance cost of the server is increased.

Disclosure of Invention

Aiming at the problems in the prior art, the application provides a transaction processing method, a transaction processing device and a transaction processing system, which can reduce the concurrency pressure of the transaction processing system and further improve the reliability of a transaction process.

In order to solve the technical problem, the present application provides the following technical solutions:

in a first aspect, the present application provides a transaction processing method, comprising:

sending a transaction request of a target transaction output by the terminal device to an edge cloud server closest to the terminal device in the edge cloud server cluster;

and determining whether the target transaction is a micropayment transaction according to the transaction request, and whether a micropayment authorization amount of a payer corresponding to the target transaction exists in the edge cloud server locally, and whether the micropayment authorization amount is larger than or equal to the transaction amount of the target transaction, if so, finishing the target transaction by using the edge cloud server.

Further, after the sending the transaction request of the target transaction output by the terminal device to the edge cloud server closest to the terminal device in the edge cloud server cluster, the method further includes:

determining whether the target transaction is a micropayment transaction according to the transaction request, and whether the marginal cloud server does not have a micropayment transaction authorization limit of a payer corresponding to the transaction request locally, if so, receiving an authorization limit request sent by the marginal cloud server;

obtaining the frozen authorization quota of the target transaction according to the authorization quota request;

sending the frozen authorization quota to the edge cloud server;

and if the frozen authorization limit is larger than or equal to the transaction amount, the target transaction is completed by applying the edge cloud server.

determining whether the target transaction is a micropayment transaction according to the transaction request, and whether a micropayment authorization amount of a payer corresponding to the transaction request exists in the edge cloud server locally, and whether the micropayment authorization amount is smaller than the transaction amount of the transaction request, if so, receiving an authorization amount request sent by the edge cloud server;

sending the frozen authorization quota to the edge cloud server;

Further, the transaction processing method further includes:

and receiving batch transaction information sent by the edge cloud server at regular time.

determining whether the target transaction is a large payment transaction according to the transaction request, and if so, receiving the large transaction request sent by the edge cloud server;

acquiring the balance of the account of the payer corresponding to the large-amount transaction request from the local, and determining the available amount of the target transaction according to the large-amount transaction request and the balance of the account of the payer;

and if the available amount is greater than or equal to 0, finishing the target transaction.

Further, before the applying the edge cloud server completes the target transaction, the method further includes:

the method comprises the following steps of applying the edge cloud server to carry out identity verification on both transaction parties of a target transaction, wherein the identity verification mode comprises the following steps: at least one of three authentication modes of face recognition, fingerprint recognition and dynamic password.

In a second aspect, the present application provides a transaction processing apparatus comprising:

the acquisition module is used for sending the transaction request of the target transaction output by the terminal equipment to the edge cloud server closest to the terminal equipment in the edge cloud server cluster;

and the application module is used for determining whether the target transaction is a micropayment transaction according to the transaction request, whether a micropayment authorization amount of a payer corresponding to the target transaction exists in the edge cloud server locally, whether the micropayment authorization amount is larger than or equal to the transaction amount of the target transaction, and if so, the edge cloud server is applied to finish the target transaction.

In a third aspect, the present application provides a transaction processing system comprising:

the transaction processing device and the edge cloud server cluster;

and each edge cloud server in the edge cloud server cluster is respectively in communication connection with the transaction processing device.

In a fourth aspect, the present application provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the transaction processing method when executing the program.

In a fifth aspect, the present application provides a computer readable storage medium having stored thereon computer instructions that, when executed, implement the transaction processing method.

According to the technical scheme, the application provides a transaction processing method, a device and a system. Wherein, the method comprises the following steps: sending a transaction request of a target transaction output by the terminal device to an edge cloud server closest to the terminal device in the edge cloud server cluster; determining whether the target transaction is a micropayment transaction according to the transaction request, determining whether a micropayment transaction authorization amount of a payer corresponding to the target transaction exists in the edge cloud server locally, and determining whether the micropayment transaction authorization amount is larger than or equal to the transaction amount of the target transaction, if so, finishing the target transaction by using the edge cloud server, so that the concurrence pressure of a transaction processing system can be reduced, and the reliability of the transaction process can be improved; the time delay is low, meanwhile, the faults of the transaction processing system caused by concurrent pressure, single-point load pressure and the like can be avoided, and the maintenance degree is reduced.

Drawings

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

FIG. 1 is a schematic flow chart diagram of a transaction processing method in an embodiment of the present application;

FIG. 2 is a schematic flow chart diagram of a transaction processing method according to another embodiment of the present application;

FIG. 3 is a schematic diagram of the structure of a transaction processing device in an embodiment of the present application;

FIG. 4 is a schematic diagram of a transaction processing system in an example of application of the present application;

FIG. 5 is a flow chart illustrating a micropayment transaction processing procedure in an example of application of the present application;

fig. 6 is a flowchart illustrating the processing procedure of micropayment transaction from step 11 to step 13 in the application example of the present application;

FIG. 7 is a flow chart illustrating the processing procedure of the micropayment transaction from step 31 to step 33 in the application example of the present application;

FIG. 8 is a flow chart illustrating a process of handling a large payment transaction in an example of application of the present application;

FIG. 9 is a schematic flow chart of steps 021 to 026 in the application example of the present application;

fig. 10 is a schematic block diagram of a system configuration of an electronic device according to an embodiment of the present application.

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 application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

With the development of mobile payments, more and more payments are made by mobile terminals. At present, data centers of financial institutions such as banks and the like are deployed on a core network, transaction requests of mobile terminals need to enter the core network through an access network to interact with the data centers, communication time delay in the transaction process is long, the transaction process is easily affected by network fluctuation, and user experience is seriously damaged. Meanwhile, during the peak time period initiated by the mobile payment request, the high concurrent transaction request can increase the concurrent pressure of the core transaction system and increase the maintenance cost of the server. Aiming at the problems in the prior art, particularly the problem of the current mobile payment, the application considers starting from changing the current transaction processing mode, and utilizes the mobile edge computing technology to provide the transaction processing method, the device and the system based on the mobile edge cloud computing, so that the communication time delay in the transaction process can be reduced, the influence of network fluctuation on the transaction can be reduced, and the maintenance cost of a financial institution server can be saved.

Based on this, the embodiment of the present application provides a transaction processing apparatus, which may be a server or a client device, where the client device may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a Personal Digital Assistant (PDA), an in-vehicle device, an intelligent wearable device, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch and intelligent bracelet etc..

In practical applications, part of the transaction processing may be performed at the server side as described above, or all operations may be performed at the client device. The selection may be specifically performed according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application. The client device may further include a processor if all operations are performed in the client device.

The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.

The server and the client device may communicate using any suitable network protocol, including network protocols not yet developed at the filing date of this application. The network protocol may include, for example, a TCP/IP protocol, a UDP/IP protocol, an HTTP protocol, an HTTPS protocol, or the like. Of course, the network Protocol may also include, for example, an RPC Protocol (Remote Procedure Call Protocol), a REST Protocol (Representational State Transfer Protocol), and the like used above the above Protocol.

It should be noted that the transaction processing method, apparatus and system disclosed in the present application can be used in the field of financial technology, and can also be used in any field other than the field of financial technology.

The following examples are intended to illustrate the details.

In order to reduce the concurrent pressure of the transaction processing system and further improve the reliability of the transaction process, the embodiment provides a transaction processing method in which the execution subject is a transaction processing device, the transaction processing device includes but is not limited to a server, as shown in fig. 1, the method specifically includes the following contents:

step 100: and sending the transaction request of the target transaction output by the terminal equipment to the edge cloud server closest to the terminal equipment in the edge cloud server cluster.

Specifically, the edge cloud server may receive a transaction request sent by the mobile terminal or the merchant collection terminal; the transaction request may include: the transaction amount, the payer identification and the payee identification, wherein the payer identification is used for distinguishing different payers such as payer account numbers, and the payee identification is used for distinguishing different payers such as payee account numbers; the Edge cloud server may represent a Mobile Edge Computing (MEC) server.

Step 200: and determining whether the target transaction is a micropayment transaction according to the transaction request, and whether a micropayment authorization amount of a payer corresponding to the target transaction exists in the edge cloud server locally, and whether the micropayment authorization amount is larger than or equal to the transaction amount of the target transaction, if so, finishing the target transaction by using the edge cloud server.

Specifically, it may be determined whether the transaction amount of the target transaction is less than or equal to a micropayment transaction threshold, and if so, the target transaction is determined to be a micropayment transaction, otherwise, the target transaction is a large payment transaction.

Further, after the target transaction is completed, the small transaction authorization amount can be updated to be a difference value between the current small transaction authorization amount and the transaction amount.

As can be seen from the above description, the transaction processing method provided by this embodiment can reduce the concurrent pressure of the transaction processing system, and further can improve the reliability of the transaction process; further, the following advantages are also provided:

(1) low time delay: since the computing resources and the storage resources are deployed to the edge of the mobile network, the edge cloud server is closer to the physical distance of the user, and can quickly interact with the mobile user and respond to the request of the mobile user, so that the MEC can reduce the interaction delay between the server and the mobile user.

(2) The flow pressure of a transmission network and a core network is reduced, and the influence of network fluctuation on services is reduced: part of functions of the transaction processing device can be deployed on the edge cloud server, so that the number of times of interaction with the transaction processing device is reduced, and the influence of network fluctuation on related services is reduced.

(3) Load pressure and concurrent pressure of transaction processing device: because the edge cloud server has certain computing and storage resources, part of service requirements can be directly processed, and service data do not need to be transmitted to the transaction processing device through the core network, so that the load pressure and the concurrency pressure of the transaction processing device are reduced.

In order to improve the reliability of the transaction, in an embodiment of the present application, after step 100, the method further includes:

step 301: and determining whether the target transaction is a micropayment transaction according to the transaction request, and whether the small transaction authorization limit of a payer corresponding to the transaction request does not exist locally in the edge cloud server, if so, receiving the authorization limit request sent by the edge cloud server.

Specifically, the request for the authorized amount may include: and (5) identifying the payer.

Step 302: and obtaining the frozen authorized credit of the target transaction according to the authorized credit request.

Specifically, the transaction processing device may store a frozen nominal protocol and account information, the protocol including: the corresponding relation between the protocol number and the frozen authorized amount can be set with a specific numerical value according to actual needs; the account information may include: account identification, account balance (or credit) and agreement number; the account balance (or credit line) and the protocol number of the payer corresponding to the target transaction can be obtained from the account information according to the payer identification in the authorization line request, and the frozen authorization line corresponding to the target transaction is determined according to the protocol number and the frozen rated protocol. Whether the frozen authorization line is smaller than or equal to the account balance (or credit line) can be further judged, if yes, the frozen authorization line of the target transaction is determined to be obtained, and if not, the transaction fails.

Step 303: and sending the frozen authorization quota to the edge cloud server.

Step 304: and if the frozen authorization limit is larger than or equal to the transaction amount, the target transaction is completed by applying the edge cloud server.

Further, after the target transaction is completed, a difference between the frozen authorization credit and the transaction amount may be stored in the edge cloud server as a small transaction authorization credit of a payer of the target transaction. And if the edge cloud server determines that the frozen authorization limit is smaller than the transaction amount, determining that the target transaction fails.

As can be seen from the above description, the transaction processing method provided in this embodiment can ensure that when the small amount transaction authorization quota of the payer corresponding to the transaction request does not exist locally in the edge cloud server, the small amount payment transaction is completed in the local edge cloud server, so that the influence of backbone network fluctuation on the small amount payment can be reduced, the latency is low, and the user experience can be improved.

In an embodiment of the present application, after step 100, the method further includes:

step 401: and determining whether the target transaction is a micropayment transaction according to the transaction request, and whether a micropayment transaction authorization amount of a payer corresponding to the transaction request exists locally in the edge cloud server, and whether the micropayment transaction authorization amount is smaller than the transaction amount of the transaction request, if so, receiving an authorization amount request sent by the edge cloud server.

Step 402: and obtaining the frozen authorized credit of the target transaction according to the authorized credit request.

Step 403: and sending the frozen authorization quota to the edge cloud server.

Step 404: and if the frozen authorization limit is larger than or equal to the transaction amount, the target transaction is completed by applying the edge cloud server.

Further, after the target transaction is completed, the petty transaction authorization limit may be updated to: the difference between the authorized amount and the transaction amount is frozen.

As can be seen from the above description, the transaction processing method provided in this embodiment can ensure that when the micropayment authorization amount of the payer corresponding to the local transaction request of the edge cloud server is smaller than the transaction amount, the micropayment transaction is completed in the local edge cloud server, so that the influence of backbone network fluctuation on micropayment can be reduced, the data transmission pressure in the transaction process is reduced, the time delay is low, and the user experience can be improved.

In an embodiment of the present application, after any one of step 200, step 303, and step 403, further comprising:

Specifically, the batch transaction information may include: the payer identification, the payee identification and the transaction amount of each batch finished transaction can interact with the transaction processing device in batch mode by the edge cloud server in a period of less concurrent transaction amount (such as at night), and the batch transaction information is uploaded to the transaction processing device to finish the posting of the transaction, so that the reliability of account processing can be improved.

In an embodiment of the present application, referring to fig. 2, after step 100, the method further includes:

step 501: and determining whether the target transaction is a large-amount payment transaction according to the transaction request, and if so, receiving the large-amount transaction request sent by the edge cloud server.

Specifically, the large transaction request includes: the transaction amount of the target transaction, the small transaction authorization amount, the payer identification, the payee identification and the like.

Step 502: and acquiring the balance of the account of the payer corresponding to the large-amount transaction request from the local, and determining the available amount of the target transaction according to the large-amount transaction request and the balance of the account of the payer.

In particular, a payer account balance may be obtained locally from the transaction processing device based on the payer identification for the target transaction; the available amount is the balance of the account of the payer + the small transaction authorization amount-the transaction amount; the payer account balance may represent the remaining available amount or credit of the payer account, and the transaction amount may represent the payment amount for the transaction.

Step 503: and if the available amount is greater than or equal to 0, finishing the target transaction.

Further, after the target transaction is completed, the petty transaction authorization limit may be updated to: the difference value between the current small transaction authorization amount and the transaction amount is stored in the edge cloud server; and if the available amount is less than 0, returning transaction failure information to the edge cloud server.

As can be seen from the above description, the transaction processing method provided in this embodiment can ensure reliability of a large payment transaction on the basis of completing a small payment transaction by the edge cloud server.

In order to further improve the reliability of the transaction, in an embodiment of the present application, before the applying the edge cloud server to complete the target transaction in step 200, the method further includes:

step 001: the method comprises the following steps of applying the edge cloud server to carry out identity verification on both transaction parties of a target transaction, wherein the identity verification mode comprises the following steps: at least one of three authentication modes of face recognition, fingerprint recognition and dynamic password.

Specifically, before receiving the request for a large transaction sent by the edge cloud server in step 501, the method further includes: the edge cloud server is used for carrying out identity authentication on both transaction parties of the target transaction, partial functions of large-amount payment can be completed on the edge cloud server, load pressure and concurrence pressure of the transaction processing device can be reduced, and maintenance cost of the transaction processing device can be reduced.

From the aspect of software, in order to reduce the concurrent pressure of the transaction processing system and further improve the reliability of the transaction process, the present application provides an embodiment of a transaction processing apparatus for implementing all or part of the contents of the transaction processing method, and referring to fig. 3, the transaction processing apparatus specifically includes the following contents:

the acquisition module 1 is configured to send a transaction request of a target transaction output by a terminal device to an edge cloud server closest to the terminal device in an edge cloud server cluster.

And the application module 2 is used for determining whether the target transaction is a micropayment transaction according to the transaction request, whether a micropayment authorization amount of a payer corresponding to the target transaction exists in the edge cloud server locally, whether the micropayment authorization amount is larger than or equal to the transaction amount of the target transaction, and if so, applying the edge cloud server to finish the target transaction.

The embodiments of the transaction processing apparatus provided in this specification may be specifically configured to execute the processing flow of the embodiments of the transaction processing method, and the functions of the embodiments of the transaction processing apparatus are not described herein again, and refer to the detailed description of the embodiments of the transaction processing method.

The present solution also provides an embodiment of a transaction processing system, the system comprising: a transaction processing device and an edge cloud server cluster; and each edge cloud server in the edge cloud server cluster is respectively in communication connection with the transaction processing device.

It will be appreciated that the transaction processing arrangement may be the core transaction system of a financial institution.

To further illustrate the present solution, the present application further provides a transaction processing system, which can be used for implementing mobile quick payment, as shown in fig. 4, the system includes: the transaction information access module 01, the transaction local processing module 02 and the transaction remote processing module 03, wherein the functions implemented by the transaction local processing module 02 may be equivalent to the functions implemented by the edge cloud server, and the functions implemented by the transaction remote processing module 03 may be equivalent to the functions implemented by the transaction processing device, which are described in detail as follows:

the transaction information access module comprises a mobile terminal and a merchant collection terminal, wherein the mobile terminal and the merchant collection terminal can realize network access through common WiFi and mobile networks, and the merchant collection terminal is integrated with various information acquisition devices including but not limited to a biological information acquisition device such as a human face and a fingerprint and a two-dimensional code scanning device.

The transaction local processing module consists of a base station which is provided with an edge cloud server, namely the edge cloud server, and is a non-core functional part which is responsible for synchronously processing the small payment request and the large payment request in real time.

The transaction remote processing module consists of a financial institution server, the financial institution server can be configured with a core transaction system and a data center, and is responsible for synchronously processing a core function part of large payment in real time and asynchronously batch-posting small payment transactions completed by the edge cloud server.

The small payment and the large payment are completed at the edge cloud server side, so that the concurrent pressure and the load pressure of the financial mechanism server can be reduced, the maintenance cost of the financial mechanism server is saved, the small payment is completed at the local edge cloud server, the small payment can be guaranteed not to be influenced by backbone network fluctuation and can be completed with low time delay, and the user experience degree is improved; non-core functions such as identity verification and short message sending in large-amount payment are completed in the edge cloud server, and load pressure of the financial institution server can be reduced.

The transaction types of the transaction processing system can be divided into small payment transactions and large payment transactions, and specific division rules are autonomously divided by a financial institution business department.

To further illustrate the present solution, in combination with the above transaction processing system, the present application provides an application example of a transaction processing method, including:

small payment

As shown in fig. 5, the micropayment transaction process includes: step 10: micropayment pre-authorization; step 20: verifying the transaction information; step 30: processing the transaction locally; step 40: pushing transaction information; step 50: the transaction remote batch posting is specifically described as follows:

referring to fig. 6, step 10 includes:

step 11: when the mobile terminal or the merchant collection terminal initiates a micropayment request to the edge cloud server, the edge cloud server inquires whether a local cache has a micropayment authorization limit of a payer. If yes, go to step 12, otherwise go to step 13.

Step 12: the edge cloud server determines whether the small transaction authorization amount of the payer is greater than or equal to the transaction amount, if so, step 20 is executed, otherwise, step S13 is executed.

Step 13: the edge cloud server initiates an authorized amount request to the financial institution, the financial institution freezes a part of amount on a debit card or a part of credit line of a credit card of the payer according to a customized protocol after receiving the request, authorizes the frozen amount as a frozen authorized amount to the edge cloud server, and uses the frozen amount as a small transaction authorized amount updated by the payer; if the credit application fails, the payment fails.

Step 20 comprises: and at the time of micropayment, the identities of the two transaction parties are verified. The authentication method is completed by authentication programs deployed on the edge cloud server by the financial institution, and comprises various authentication modes such as face recognition, fingerprint recognition, dynamic passwords and the like.

Referring to fig. 7, step 30 includes:

step 31: judging whether the transaction amount A of the transaction is less than or equal to a small transaction authorization amount D; namely, the updated small transaction authorization credit can be used as the remaining small transaction authorization credit D of the payer, the A and D are compared, if D is larger than or equal to A, the step 32 is executed, otherwise, the step 33 is executed.

Step 32: updating the small transaction authorization limit to D-A to complete the payment transaction; that is, the edge cloud server deducts the transaction amount a (i.e. D1 ═ D-a) on the basis of the remaining small transaction authorization amount D of the payer, and the agent completes the payment.

Step 33: refusing the transaction; namely, the edge cloud server initiates the request of the authorized amount to the financial institution again, and if the request fails, the payment fails.

Step 40 comprises: after the payment transaction is completed by the edge cloud server, transaction information is pushed to both transaction parties in the modes of short messages, mails and the like.

Step 50 comprises: in a time period (such as night) when the transaction amount is less, the edge cloud server interacts the completed agent transaction with a data center of a financial institution in a batch mode, and uploads transaction information to the data center to complete the posting of the transaction.

(II) payment of large amount

As shown in fig. 8, the large payment transaction process includes: step 001: verifying the transaction information; step 002: remote processing of the transaction; step 003: pushing transaction information; the specific description is as follows:

the step 001 comprises the following steps: during large-amount payment, the identity authentication of the transaction is completed by an authentication program which is deployed on an edge cloud server by a financial institution, and the authentication program comprises a plurality of authentication modes such as face recognition, fingerprint recognition, dynamic passwords and the like.

Referring to fig. 9, step 002 includes:

step 021: the marginal cloud server freezes the small transaction authorization limit of the payer, and uploads the verification information, the small transaction authorization limit, the transaction amount and other information of both transaction parties to a core transaction system of the financial institution.

Step 022: a core transaction system of a financial institution acquires an available amount N; the available amount N is the remaining available amount or the credit line + the small transaction authorization line-the transaction amount of the payer account.

Step 023: the core transaction system of the financial institution judges whether the available amount N is greater than or equal to 0, if so, the step 024 is carried out, otherwise, the step 026 is carried out: returning transaction failure information; namely, relevant information of transaction failure is returned to the edge cloud server.

And 024: and finishing the payment transaction, namely finishing the payment transaction by the core transaction system of the financial institution according to the business process, and returning the relevant information of successful transaction to the edge cloud server.

Step 025: returning transaction success information; the marginal cloud server pushes the information to both transaction parties through related channels after receiving the transaction information, and unfreezes and updates the small transaction authorization limit according to the transaction information.

According to the description, the transaction processing method, the transaction processing device and the transaction processing system can reduce the concurrent pressure of the transaction processing system, and further can improve the reliability of the transaction process; the time delay is low, meanwhile, the faults of the transaction processing system caused by concurrent pressure, single-point load pressure and the like can be avoided, and the maintenance degree is reduced.

In terms of hardware, in order to reduce the concurrent pressure of the transaction processing system and further improve the reliability of the transaction process, the present application provides an embodiment of an electronic device for implementing all or part of the contents of the transaction processing method, where the electronic device specifically includes the following contents:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission among the transaction processing device, the user terminal and other related equipment; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the embodiment for implementing the transaction processing method and the embodiment for implementing the transaction processing apparatus in the embodiments, and the contents thereof are incorporated herein, and repeated details are not repeated.

Fig. 10 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 10, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 10 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one or more embodiments of the present application, the transaction processing functionality can be integrated into the central processor 9100. The central processor 9100 may be configured to control as follows:

From the above description, it can be seen that the electronic device provided in the embodiments of the present application can reduce the concurrent pressure of the transaction processing system, thereby improving the reliability of the transaction process.

In another embodiment, the transaction processing device may be configured separately from the central processor 9100, for example, the transaction processing device may be configured as a chip connected to the central processor 9100, and the transaction processing function may be implemented under the control of the central processor.

As shown in fig. 10, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 10; in addition, the electronic device 9600 may further include components not shown in fig. 10, which can be referred to in the prior art.

As shown in fig. 10, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

As can be seen from the above description, the electronic device provided in the embodiments of the present application can reduce the concurrent pressure of the transaction processing system, thereby improving the reliability of the transaction process.

Embodiments of the present application further provide a computer-readable storage medium capable of implementing all the steps in the transaction processing method in the above embodiments, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all the steps in the transaction processing method in the above embodiments, for example, when the processor executes the computer program, the processor implements the following steps:

From the above description, it can be seen that the computer-readable storage medium provided in the embodiments of the present application can reduce the concurrent pressure of the transaction processing system, thereby improving the reliability of the transaction process.

In the present application, 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. Reference is made to the description of the method embodiments.

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

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

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

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

The principle and the implementation mode of the present application are explained by applying specific embodiments in the present application, and the description of the above embodiments is only used to help understanding the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.

Claims

1. A transaction processing method, comprising:

2. The transaction processing method according to claim 1, wherein after the sending the transaction request of the target transaction output by the terminal device to the edge cloud server closest to the terminal device in the edge cloud server cluster, the method further comprises:

sending the frozen authorization quota to the edge cloud server;

3. The transaction processing method according to claim 1, wherein after the sending the transaction request of the target transaction output by the terminal device to the edge cloud server closest to the terminal device in the edge cloud server cluster, the method further comprises:

sending the frozen authorization quota to the edge cloud server;

4. The transaction processing method according to any one of claims 1 to 3, further comprising:

5. The transaction processing method according to claim 1, wherein after the sending the transaction request of the target transaction output by the terminal device to the edge cloud server closest to the terminal device in the edge cloud server cluster, the method further comprises:

6. The transaction processing method of claim 1, further comprising, before the applying the edge cloud server completes the target transaction:

7. A transaction processing device, comprising:

8. A transaction processing system, comprising:

the transaction processing device and edge cloud server cluster of claim 7;

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the transaction processing method of any of claims 1 to 6 when executing the program.

10. A computer-readable storage medium having computer instructions stored thereon that, when executed, implement the transaction processing method of any of claims 1 to 6.