CN113222739A

CN113222739A - Transaction amount data processing method, device, equipment, medium and product

Info

Publication number: CN113222739A
Application number: CN202110587586.6A
Authority: CN
Inventors: 李凡
Original assignee: Agricultural Bank of China
Current assignee: Agricultural Bank of China
Priority date: 2021-05-27
Filing date: 2021-05-27
Publication date: 2021-08-06

Abstract

The embodiment of the invention provides a method, a device, equipment, a medium and a product for processing transaction limit data, wherein the method comprises the following steps: if the transaction limit data of the target user account is determined to be updated, acquiring total limit data generated by current historical transaction and a historical product value corresponding to the total limit data generated by the current historical transaction; calculating the integral value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical integral value and an integral value algorithm model, and updating the total credit data generated by the current historical transaction and the corresponding historical integral value; and calculating the total credit data of the current target user account according to the total credit data generated by the current historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data. The method for processing the transaction limit data has higher data processing efficiency.

Description

Transaction amount data processing method, device, equipment, medium and product

Technical Field

The embodiment of the invention relates to the technical field of data processing, in particular to a method, a device, equipment, a medium and a product for processing transaction limit data.

Background

With the continuous development of science and technology, the processing mode of many financial businesses is changed from manual processing to electronic processing, and for a bank payment system, the data of the stored amount of money of a user and the data of daily consumption need to be counted and processed frequently. The cards handled by customers are generally divided into debit cards and credit cards, the main difference is that the debit cards cannot be overdrawn, the debit cards need to deposit funds first to consume, deposit and withdraw money and calculate interest charges, and the credit cards can consume first and then pay money within the credit line granted by banks and calculate the interest charges according to rules. The bank provides two types of accounts for the customer, namely a debit account and a credit account, wherein the debit account generally corresponds to overdraft type transaction and records balance information of the overdraft transaction; the credit account usually corresponds to a deposit transaction, and the balance information of the deposit transaction is recorded. The main current mode is to separately set up a debit account and a credit account, and respectively record and process corresponding data.

After a client initiates a transaction request at a certain terminal, various authorization checks (limit, validity period, password and the like) are carried out on the client, limit occupation is carried out after authorization is passed, and a corresponding transaction limit data processing flow is executed. Generally, a payment system performs a corresponding data settlement process periodically every month according to data in a user account. However, the processing method of the current transaction amount data processing is complex and the processing efficiency is low.

Disclosure of Invention

The invention provides a method, a device, equipment, a medium and a product for processing transaction limit data, which are used for solving the problems of complex processing mode and low processing efficiency of the conventional transaction limit data processing.

The first aspect of the embodiments of the present invention provides a method for processing transaction amount data, including:

monitoring whether transaction limit data stored in a target user account is updated or not;

if the transaction limit data of the target user account is determined to be updated, the following operations are executed aiming at the update of each transaction limit data until the transaction limit settlement condition of the current target user account is met:

acquiring total credit data generated by current historical transaction and historical product values corresponding to the total credit data generated by the current historical transaction; calculating the total credit data corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical credit value and a preset credit algorithm model, and updating the total credit data generated by the current historical transaction and the corresponding historical credit value;

and calculating the total credit data of the current target user account according to the total credit data generated by the current historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data.

Optionally, the method further includes, before calculating a product value corresponding to the updated total credit data according to the total credit data generated by the current historical transaction, the corresponding historical product value, and a preset product value algorithm model, the method further includes:

acquiring a product control code corresponding to total limit data generated by current-period historical transaction;

acquiring first transaction time of the last transaction of current historical transactions and second transaction time of corresponding transactions when transaction limit data are updated;

a time difference between the first transaction time and the second transaction time is calculated.

Optionally, the calculating, according to the total credit data generated by the current historical transaction, the corresponding historical credit value, and the preset credit value algorithm model, the credit value corresponding to the total credit data after updating the transaction credit data includes:

and calculating the product value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical product value, the corresponding product control code, the time difference value and a preset product algorithm model.

Optionally, in the method described above, the preset product value algorithm model is:

Y＝Y′+∑X*t*Z

y is the integral value corresponding to the total data after updating the transaction data, Y' is the historical integral value, X is the total data generated by the current historical transaction, t is the time difference, and Z is the integral control code.

Optionally, the obtaining of the total credit data generated by the current historical transaction and the historical credit value corresponding to the total credit data generated by the current historical transaction, as described above, includes:

receiving transaction update information sent by a storage server, wherein the transaction update information comprises: a target user account identification;

and acquiring total amount data generated by current historical transaction and stored in the target user account matched with the target user account identification and a historical credit value corresponding to the total amount data generated by the current historical transaction according to the transaction updating information.

A second aspect of the embodiments of the present invention provides a processing apparatus for transaction amount data, including:

the monitoring module is used for monitoring whether the transaction limit data stored in the target user account is updated or not;

the execution module is used for executing the following operations aiming at the updating of the transaction limit data of each transaction limit until the transaction limit settlement condition of the current target user account is met if the transaction limit data of the target user account is determined to be updated:

the updating module is used for acquiring the total credit data generated by the current historical transaction and the historical credit value corresponding to the total credit data generated by the current historical transaction; calculating the total credit data corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical credit value and a preset credit algorithm model, and updating the total credit data generated by the current historical transaction and the corresponding historical credit value;

and the calculation module is used for calculating the total credit data of the current target user account according to the total credit data generated by the current historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data.

Optionally, the apparatus as described above, further comprising:

the time difference determining module is used for acquiring a product control code corresponding to total limit data generated by current historical transaction; acquiring first transaction time of the last transaction of current historical transactions and second transaction time of corresponding transactions when transaction limit data are updated; a time difference between the first transaction time and the second transaction time is calculated.

Optionally, in the above apparatus, when the update module calculates a product value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical product value, and a preset product value algorithm model, the update module is specifically configured to:

Optionally, in the apparatus described above, the preset product value algorithm model is:

Y＝Y′+∑X*t*Z

Optionally, in the above apparatus, the update module, when acquiring the total credit data generated by the current historical transaction and the historical credit value corresponding to the total credit data generated by the current historical transaction, is specifically configured to:

A third aspect of embodiments of the present invention provides an electronic device, including: a memory, a processor;

a memory; a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the processing method of the transaction amount data of any one of the first aspect.

A fourth aspect of the embodiments of the present invention provides a computer-readable storage medium, where computer-executable instructions are stored in the computer-readable storage medium, and when the computer-executable instructions are executed by a processor, the computer-executable instructions are used to implement the method for processing transaction amount data according to any one of the first aspects.

A fifth aspect of the embodiments of the present invention provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the method for processing transaction amount data according to any one of the first aspect.

The embodiment of the invention provides a method, a device, equipment, a medium and a product for processing transaction limit data, wherein the method comprises the following steps: monitoring whether transaction limit data stored in a target user account is updated or not; if the transaction limit data of the target user account is determined to be updated, the following operations are executed aiming at the update of each transaction limit data until the transaction limit settlement condition of the current target user account is met: acquiring total credit data generated by current historical transaction and historical product values corresponding to the total credit data generated by the current historical transaction; calculating the total credit data corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical credit value and a preset credit algorithm model, and updating the total credit data generated by the current historical transaction and the corresponding historical credit value; and calculating the total credit data of the current target user account according to the total credit data generated by the current historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data. According to the processing method of the transaction limit data, when the fact that the transaction limit data stored in the target user account is updated is monitored, the total value corresponding to the total limit data after the transaction limit data is updated is calculated, and the total limit data generated by current historical transaction and the corresponding historical value are updated. Because the integral value corresponding to the total credit data after updating the transaction credit data is calculated when the transaction credit data is updated, the transaction credit data cannot be accumulated to be processed every day regularly every month, thereby improving the efficiency of processing the integral value. Meanwhile, the total credit data of the current-stage target user account is calculated according to the total credit data generated by the current-stage historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data. Therefore, when data settlement processing is required, only simple data addition and subtraction processing can be performed, and the data processing efficiency is high.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.

FIG. 1 is a diagram of a scenario of a transaction amount data processing method that can implement an embodiment of the present invention;

FIG. 2 is a flowchart illustrating a method for processing transaction amount data according to a first embodiment of the present invention;

FIG. 3 is a flowchart illustrating a method for processing transaction amount data according to a second embodiment of the present invention;

FIG. 4 is a schematic diagram illustrating a data processing flow in a transaction credit data processing method according to a second embodiment of the present invention;

FIG. 5 is a schematic structural diagram of a transaction amount data processing device according to a third embodiment of the present invention;

FIG. 6 is a schematic structural diagram of a transaction amount data processing device according to a fourth embodiment of the present invention;

fig. 7 is a schematic structural diagram of an electronic device according to a fifth embodiment of the present invention.

With the above figures, certain embodiments of the invention have been illustrated and described in more detail below. The drawings and the description are not intended to limit the scope of the inventive concept in any way, but rather to illustrate it by those skilled in the art with reference to specific embodiments.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present invention. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the invention, as detailed in the appended claims.

The technical solution of the present invention will be described in detail below with specific examples. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present invention will be described below with reference to the accompanying drawings.

For a clear understanding of the technical solutions of the present application, a detailed description of the prior art solutions is first provided. At present, a payment system performs settlement processing of corresponding transaction amount data periodically every month according to data in a user account. Such as 30 a/month, the data in the user account is subjected to data settlement processing. In the data settlement processing process, the data of each transaction in the month needs to be statistically settled, for example, if there is transaction data update for three days of 10, 15 and 20, the data settlement between 10 and 15 needs to be performed on the transaction data corresponding to 10, and meanwhile, the data settlement between 10 and 15 and between 15 and 20 and the data settlement between 10, 15 and 20 and between 20 and 30 need to be performed. When these data are all subjected to data settlement processing on day 30, the efficiency is low. Therefore, the processing mode of the current transaction amount data processing is complex, and the processing efficiency is low.

Therefore, in order to solve the problems of complex processing mode and low processing efficiency of the current transaction amount data processing in the prior art, the inventor finds that in order to solve the problems of complex processing mode and low processing efficiency of the current transaction amount data processing, the transaction amount data can be settled once when the transaction amount data stored in the user account is updated, so that the data processing amount during regular settlement every month is reduced, and the data processing efficiency is improved. Specifically, whether the transaction limit data stored in the target user account is updated or not is monitored. If the transaction limit data of the target user account is determined to be updated, the following operations are executed aiming at the update of each transaction limit data until the transaction limit settlement condition of the current target user account is met: and acquiring total credit data generated by current historical transaction and historical product values corresponding to the total credit data generated by the current historical transaction. And calculating the integral value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical integral value and a preset integral value algorithm model, and updating the total credit data generated by the current historical transaction and the corresponding historical integral value. And calculating the total credit data of the current target user account according to the total credit data generated by the current historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data. According to the processing method of the transaction limit data, when the fact that the transaction limit data stored in the target user account is updated is monitored, the total value corresponding to the total limit data after the transaction limit data is updated is calculated, and the total limit data generated by current historical transaction and the corresponding historical value are updated. Because the integral value corresponding to the total credit data after updating the transaction credit data is calculated when the transaction credit data is updated, the transaction credit data cannot be accumulated to be processed every day regularly every month, thereby improving the efficiency of processing the integral value. Meanwhile, the total credit data of the current-stage target user account is calculated according to the total credit data generated by the current-stage historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data. Therefore, when data settlement processing is required, only simple data addition and subtraction processing can be performed, and the data processing efficiency is high.

The inventor proposes a technical scheme of the application based on the creative discovery.

The following describes an application scenario of the transaction amount data processing method provided by the embodiment of the present invention. As shown in fig. 1, 1 is a first electronic device, and 2 is a second electronic device. The network architecture of the application scene corresponding to the processing method of the transaction limit data provided by the embodiment of the invention comprises the following steps: a first electronic device 1 and a second electronic device 2. The second electronic device 2 stores transaction amount data stored in the user account and related record data of various transaction data. When the transaction limit data needs to be determined to be processed, the first electronic device 1 monitors whether the transaction limit data stored in the target user account in the second electronic device 2 is updated in real time. If the transaction limit data of the target user account is determined to be updated, the following operations are executed aiming at the update of each transaction limit data until the transaction limit settlement condition of the current target user account is met: the first electronic device 1 obtains the total credit data generated by the current historical transaction and the historical credit value corresponding to the total credit data generated by the current historical transaction from the second electronic device 2. Meanwhile, the first electronic device 1 calculates the volume value corresponding to the total volume data after updating the transaction volume data according to the total volume data generated by the current historical transaction, the corresponding historical volume value and a preset volume value algorithm model, and updates the total volume data generated by the current historical transaction and the corresponding historical volume value. And finally, the first electronic equipment 1 calculates the total credit data of the current target user account according to the total credit data generated by current historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data. The first electronic device 1 may calculate the current time of the total data of the target user account at a fixed time or each time the transaction amount data of the target user account is updated.

The embodiments of the present invention will be described with reference to the accompanying drawings.

Fig. 2 is a flow chart of a processing method of transaction amount data according to a first embodiment of the invention, and as shown in fig. 2, in this embodiment, an execution subject of the embodiment of the invention is a processing device of transaction amount data, and the processing device of transaction amount data can be integrated in an electronic device. The processing method of the transaction amount data provided by the embodiment includes the following steps:

step S101, whether the transaction amount data stored in the target user account is updated or not is monitored.

In this embodiment, the transaction amount data stored in the target user account may be stored in a corresponding database, and whenever the user terminal initiates a transaction-related request to the payment system, the transaction amount data stored in the user account may be updated. For example, when a user performs a consumption through a user terminal, transaction data corresponding to the consumption is sent to a payment system, and is stored in a target user account in a database after being processed by the payment system, and at this time, the transaction amount data is changed correspondingly.

The transaction amount data refers to amount data generated when the user carries out corresponding transaction. Generally, the user account of the user stores corresponding transaction amount data according to the service types, for example, when the user account relates to the related service of a credit card, the user account records information about overdraft transactions and the like, and if the user account relates to the related service of a debit card, the user account records information about deposit transactions and the like. Meanwhile, the user account can also store the related business information of the credit card and the debit card at the same time, and only a card integrating debit and credit is made during card making, so that the user account is included in the information of overdraft and deposit. And further, the transaction limit data stored in the target user account can be conveniently acquired subsequently.

Step S102, if the transaction limit data of the target user account is determined to be updated, the following operation is executed aiming at the updating of each transaction limit data until the transaction limit settlement condition of the current target user account is met.

In this embodiment, if it is determined that the transaction amount data of the target user account is updated, the subsequent data settlement processing may be performed for the update of the transaction amount data. Therefore, corresponding data processing is carried out every time the transaction amount data of the target user account is updated.

Step S103, obtaining the total amount data generated by the current historical transaction and the historical product value corresponding to the total amount data generated by the current historical transaction. And calculating the integral value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical integral value and a preset integral value algorithm model, and updating the total credit data generated by the current historical transaction and the corresponding historical integral value.

In this embodiment, the current period refers to a period divided by a preset time period, and is generally divided by a month, and at this time, the current period refers to the month. The total credit data generated by the current-period historical transaction refers to the total credit data generated by all historical transactions before the current transaction in the current period. Assuming that the current transaction is the transaction generated by No. 10 in the current period of 3 months, the total credit data generated by all historical transactions between 1 day of 3 months and 9 days of 3 months is the total credit data generated by the current historical transactions. Meanwhile, the total credit data generated by the current historical trading can also comprise the remaining past data after settlement in the total credit data generated by the past historical trading left in the last month. Assuming that the credit data generated by the historical transactions recorded by the user account is 100 generated on day 3/month 1, 200 generated on day 3/month 5, and 300 generated on day 3/month 9, the total credit data generated by all the historical transactions between day 3/month 1 and day 3/month 9 is 600. Assuming that the credit data generated by the historical transactions recorded by the user account is 100 generated on day 3/month 1, 200 generated on day 3/month 5, 300 generated on day 3/month 9, and the remaining future date data of the last month is 200, the total credit data generated by all the historical transactions between day 3/month 1 and day 3/month 9 is 800.

The value of the credit may refer to an interest fee caused by overdraft in the transaction of the credit card. For example, the total amount data generated by the user in 3 months is 300, and meanwhile, the user does not pay. Then at 4 months, a corresponding interest fee would be generated based on this 300.

The historical value is the value calculated when the last transaction limit data is updated. Suppose that the No. 5, No. 8 and No. 9 of the month have three times of transaction amount data updating respectively. And 9 is the latest transaction amount data updating time, if the product value corresponding to 9 is calculated. The product value obtained by the calculation of No. 8 is a historical product value, and the historical product value is the rest fee generated between No. 5 and No. 8. Similarly, the product value corresponding to number 9 refers to the sum of the interest fee generated between numbers 5 and 8 and the interest fee generated between numbers 8 and 9.

And after the total credit data corresponding to the updated total credit data of the transaction credit data is calculated, updating the total credit data generated by the current historical transaction to the sum of the total credit data generated by the original current historical transaction and the current transaction credit data, so that the total credit data generated by the current historical transaction corresponding to the total credit data updated by the next transaction credit data calculation is formed. Taking the above 5, 8 and 9 as examples, after the number 9 is calculated, the total data generated by the original current historical transaction is the total data before the number 9, and the updated total data generated by the current historical transaction is the total data before the number 9 and the number 9.

The same principle is used for updating the historical product value and the total amount data generated by the current historical transaction, when the product value corresponding to the number 9 is calculated, the original historical product value is the product value corresponding to the number 8, and the updated historical product value is the product value corresponding to the number 9.

S104, calculating the total credit data of the current target user account according to the total credit data generated by the current historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data.

In this embodiment, the last transaction amount data refers to the last transaction amount data before the data settlement processing is performed, and assuming that the time for performing the data settlement processing is a certain time in the current period, for example, 10 am of 15 in the current month, there is a transaction at 14, and there is a transaction at nine am of 15, then the amount data generated by the transaction at nine am of 15 is the last transaction amount data.

In this embodiment, the total data of the current target user account may be calculated at the current specific time, or may be calculated after the data of the transaction amount is updated each time. This embodiment is not limited to this.

In this embodiment, the current target user account total data is equal to the sum of the historical credit value, the last transaction credit data and the total credit data generated by the current historical transaction after the last transaction credit data is updated. According to the above example of 15, the total data of the current target user account corresponding to 15 is equal to the sum of the product value corresponding to 15 am nine, the data of the credit generated by 15 am nine and the total data of the current historical transaction generated before 15 am nine.

The embodiment of the invention provides a method for processing transaction limit data, which comprises the following steps: and monitoring whether the transaction limit data stored in the target user account is updated. If the transaction limit data of the target user account is determined to be updated, the following operations are executed aiming at the update of each transaction limit data until the transaction limit settlement condition of the current target user account is met: and acquiring total credit data generated by current historical transaction and historical product values corresponding to the total credit data generated by the current historical transaction. And calculating the integral value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical integral value and a preset integral value algorithm model, and updating the total credit data generated by the current historical transaction and the corresponding historical integral value. And calculating the total credit data of the current target user account according to the total credit data generated by the current historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data. According to the processing method of the transaction limit data, when the fact that the transaction limit data stored in the target user account is updated is monitored, the total value corresponding to the total limit data after the transaction limit data is updated is calculated, and the total limit data generated by current historical transaction and the corresponding historical value are updated. Because the integral value corresponding to the total credit data after updating the transaction credit data is calculated when the transaction credit data is updated, the transaction credit data cannot be accumulated to be processed every day regularly every month, thereby improving the efficiency of processing the integral value. Meanwhile, the total credit data of the current-stage target user account is calculated according to the total credit data generated by the current-stage historical transaction after the last transaction credit data is updated, the corresponding historical credit value and the last transaction credit data. Therefore, when data settlement processing is required, only simple data addition and subtraction processing can be performed, and the data processing efficiency is high.

Fig. 3 is a schematic flow chart of a processing method of transaction amount data according to a second embodiment of the present invention, and as shown in fig. 3, the processing method of transaction amount data according to this embodiment is further refined in step 103 based on the processing method of transaction amount data according to the previous embodiment of the present invention. The processing method of the transaction amount data provided by this embodiment includes the following steps.

Step S201, monitoring whether the transaction amount data stored in the target user account is updated.

In this embodiment, the implementation manner of step 201 is similar to that of step 101 in the previous embodiment of the present invention, and is not described in detail here.

Step S202, if the transaction amount data of the target user account is determined to be updated, the following operation is executed for each update of the transaction amount data until the condition of settlement of the transaction amount of the current target user account is met.

In this embodiment, the implementation manner of step 202 is similar to that of step 102 in the previous embodiment of the present invention, and is not described herein again.

Step S203, receiving transaction update information sent by the storage server, where the transaction update information includes: a target user account identification.

In this embodiment, the execution main body of the database is a storage server, and when the transaction limit data in the database is updated, corresponding transaction update information is sent. Thereby providing a basis for subsequently acquiring the total amount data generated by the current historical transaction corresponding to the target user account.

Step S204, according to the transaction update information, acquiring the total amount data generated by the current historical transaction and stored in the target user account matched with the target user account identification and the historical credit value corresponding to the total amount data generated by the current historical transaction.

In this embodiment, the database stores the three types of data in the target user account after updating the data of the transaction amount each time, the total amount data generated by the current historical transaction, and the corresponding historical value.

Step S205, obtain the total amount control code corresponding to the total amount data generated by the current historical transaction.

In this embodiment, the credit control code corresponds to the total credit data and the credit value generated by the current historical transaction, and in the overdraft transaction of the credit card, the credit control code may refer to the interest rate corresponding to the time spent on calculating the information. That is, the total credit data generated by the current historical transaction multiplied by the control code multiplied by the corresponding time interval is equal to the corresponding product value.

Step S206, acquiring a first transaction time of the last transaction of the current historical transaction and a second transaction time of the corresponding transaction when the transaction limit data is updated.

In this embodiment, in the overdraft transaction of the credit card, if the interest fee generated in a period of time needs to be calculated, the corresponding period of time needs to be determined. In the case of storage-class transactions, the corresponding time period also needs to be determined. Therefore, the first transaction time of the last transaction of the current historical transaction and the second transaction time of the corresponding transaction when the transaction limit data is updated can be obtained so as to determine the corresponding time period.

In step S207, a time difference between the first transaction time and the second transaction time is calculated.

In this embodiment, a basis for subsequently determining the corresponding product value may be provided by calculating a time difference between the first transaction time and the second transaction time.

Step S208, calculating the total credit corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current-period historical transaction, the corresponding historical credit value, the corresponding credit control code, the time difference value and the preset credit algorithm model.

In this embodiment, the total data generated by the current historical transaction, the corresponding historical product value, the corresponding product control code, and the time difference are 4 parameters required for calculating the corresponding product value.

Optionally, in this embodiment, the preset product value algorithm model is as follows:

Y＝Y′+∑X*t*Z

In this embodiment, the product value corresponding to the total credit data after updating the transaction credit data can be more accurately determined through the product value algorithm model.

Step S209, the total data generated by the current historical transaction and the corresponding historical credit value are updated.

In this embodiment, the implementation manner of step 209 is similar to that of step 103 in the previous embodiment of the present invention, and is not described in detail here.

Step S210, calculating the current target user account total amount data according to the total amount data generated by the current historical transaction after the last transaction amount data is updated, the corresponding historical credit value and the last transaction amount data.

In this embodiment, the implementation manner of step 210 is similar to that of step 104 in the previous embodiment of the present invention, and is not described in detail here.

Meanwhile, in order to better understand the flow of the transaction amount data processing method in the embodiment, a payment system of a certain bank will be exemplified with reference to the drawings.

Firstly, when a user carries out transaction payment through a terminal, related information of the transaction is sent to an accounting system of a certain bank, and then the accounting system sends user account information, quota data and the like corresponding to the transaction to a payment system to be stored by a storage server in the payment system. And if the user is a new user, making a debit-credit integrated card for the new user through card making, so as to realize debit-credit combination operation in the user account, and establishing a debit-credit integrated account for each user according to the obtained user account information, so that each account can be regarded as the combination of a credit card overdraft account and a debit card deposit account. The debit and the credit are managed on the same account and are billed simultaneously. The two kinds of transactions correspond to different parameter codes, and occupy the amount of the deposit when a deposit transaction occurs, and occupy the amount of the overdraft when an overdraft transaction occurs. The occupying sequence of the money amount is controlled by occupying the parameter code, so that the flexibility of the limit management is improved. The essential characteristics of the loan-loan unification are as follows: the balance of the lending party coexists, and at the same time, the account has both overdraft and credit.

The parameter code is mainly used for configuring a fund occupation mode, for example: during the debit process, the system can preempt existing credit or preempt credit. If the amount is occupied preferentially, the overdraft amount is occupied preferentially regardless of the balance of the lender, if the amount is insufficient, the limit can be exceeded moderately and actively, the amount can be further increased by freezing the reserve money for the past repayment, and then if the amount is still insufficient, the available balance of the lender can be considered. If the credit is occupied preferentially, the available balance of the credit is occupied first, and when the balance of the credit is insufficient, the balance is deducted. When the credit is processed, the amount of money to be deposited directly enters the credit, and the return of overdraft and the release of the amount are not carried out. Thereafter, based on the parameter configuration, a repayment action by the lender may be triggered. Different sequences of fund occupancy can affect the calculation of credit interest and overdraft interest for the account lender. And abundant function selections are brought to a user through parameter configuration of different modes.

As shown in table 1, the payment system establishes slice information for each client, the slice is a subdivision of balance types, the period is a split of time dimension, and the slice in each period corresponds to one balance type of the period, such as a consumption principal, a consumption commission, a withdrawal principal, a withdrawal commission, an interest fee, and the like. Typically, the current term refers to a current preset time period, such as the current month.

Table 1 section schematic table

TABLE 2 product numerical value schematic table

Type of product	Product type 1	Product type 2	...	Product type n
					Product value	A1	A2	...	An
Product control code	a	b	...	n

As shown in Table 2 above, the system creates a value information for each customer, the value being an intermediate value that is updated in real time with the transaction, and is calculated in a rolling manner based on the data for each transaction and the current value. For example, the interest fee in the overdraft type transaction is a value of the product.

As shown in fig. 4, when a user performs a transaction through a terminal device of the user, the storage server of the payment system stores transaction amount data corresponding to the user into a corresponding slice in the user account. Then, it is determined which parameter corresponds to the transaction, i.e. whether the transaction corresponds to the overdraft class or the deposit class. After the corresponding category is determined, the total credit data generated by the current-period historical transaction and the historical credit value corresponding to the total credit data generated by the current-period historical transaction are obtained. And calculating the integral value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical integral value and a preset integral value algorithm model, and updating the total credit data generated by the current historical transaction and the corresponding historical integral value. Therefore, the calculation of the interest fee at any time is realized.

Fig. 5 is a schematic structural diagram of a processing device of transaction amount data according to a third embodiment of the present invention, as shown in fig. 5, in this embodiment, the processing device 300 of transaction amount data includes:

the monitoring module 301 is configured to monitor whether the transaction amount data stored in the target user account is updated.

The execution module 302 is configured to, if it is determined that the transaction amount data of the target user account is updated, execute the following operations for updating the transaction amount data of each time until a condition for settling the transaction amount of the current target user account is met:

the updating module 303 is configured to obtain the total credit data generated by the current historical transaction and the historical credit value corresponding to the total credit data generated by the current historical transaction. And calculating the integral value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical integral value and a preset integral value algorithm model, and updating the total credit data generated by the current historical transaction and the corresponding historical integral value.

The calculating module 304 is configured to calculate the total credit data of the current-stage target user account according to the total credit data generated by the current-stage historical transaction after the last transaction credit data is updated, the corresponding historical credit value, and the last transaction credit data.

The processing device of transaction amount data provided in this embodiment may execute the technical solution of the method embodiment shown in fig. 2, and the implementation principle and the technical effect thereof are similar to those of the method embodiment shown in fig. 2, and are not described in detail here.

Meanwhile, fig. 6 is a schematic structural diagram of a processing device of transaction credit data according to a fourth embodiment of the invention, and as shown in fig. 6, the processing device of transaction credit data according to the invention further refines the processing device 400 of transaction credit data on the basis of the processing device of transaction credit data according to the previous embodiment.

Optionally, in this embodiment, the processing device 400 for transaction amount data further includes:

the time difference determining module 401 is configured to obtain a credit control code corresponding to total credit data generated by the current historical transaction. And acquiring first transaction time of the last transaction of the current historical transaction and second transaction time of the corresponding transaction when the transaction limit data is updated. A time difference between the first transaction time and the second transaction time is calculated.

Optionally, in this embodiment, when the update module 303 calculates the product value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical product value, and a preset product value algorithm model, the update module is specifically configured to:

Y＝Y′+∑X*t*Z

Optionally, in this embodiment, the updating module 303 is specifically configured to, when acquiring the total credit data generated by the current historical transaction and the historical credit value corresponding to the total credit data generated by the current historical transaction:

receiving transaction update information sent by a storage server, wherein the transaction update information comprises: a target user account identification.

The processing apparatus for transaction amount data provided in this embodiment may execute the technical solution of the method embodiments shown in fig. 2 to 4, and the implementation principle and the technical effect thereof are similar to those of the method embodiments shown in fig. 2 to 4, and are not described in detail here.

The invention also provides an electronic device, a computer readable storage medium and a computer program product according to the embodiments of the invention.

As shown in fig. 7, fig. 7 is a schematic structural diagram of an electronic device according to a fifth embodiment of the present invention. Electronic devices are intended for various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the inventions described and/or claimed herein.

As shown in fig. 7, the electronic apparatus includes: a processor 501 and a memory 502. The various components are interconnected using different buses and may be mounted on a common motherboard or in other manners as desired. The processor may process instructions for execution within the electronic device.

The memory 502 is a non-transitory computer readable storage medium provided by the present invention. The memory stores instructions which can be executed by at least one processor, so that the at least one processor executes the transaction limit data processing method provided by the invention. The non-transitory computer-readable storage medium of the present invention stores computer instructions for causing a computer to execute the processing method of transaction amount data provided by the present invention.

The memory 502, which is a non-transitory computer-readable storage medium, may be used to store non-transitory software programs, non-transitory computer-executable programs, and modules, such as program instructions/modules corresponding to the processing method of transaction amount data in the embodiment of the present invention (for example, the monitoring module 301, the execution module 302, the update module 303, and the calculation module 304 shown in fig. 5). The processor 501 executes various functional applications of the server and data processing by running non-transitory software programs, instructions and modules stored in the memory 502, namely, implements the transaction amount data processing method in the above method embodiment.

Meanwhile, the embodiment also provides a computer product, and when instructions in the computer product are executed by a processor of the electronic device, the electronic device can execute the processing method of the transaction amount data of the first embodiment and the second embodiment.

Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the embodiments of the invention following, in general, the principles of the embodiments of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the embodiments of the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of embodiments of the invention being indicated by the following claims.

It is to be understood that the embodiments of the present invention are not limited to the precise arrangements described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of embodiments of the invention is limited only by the appended claims.

Claims

1. A processing method of transaction limit data is characterized by comprising the following steps:

2. The method as claimed in claim 1, wherein before calculating the volume corresponding to the total credit data updated by the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical volume and a preset volume algorithm model, the method further comprises:

3. The method as claimed in claim 2, wherein the calculating of the product value corresponding to the total credit data after updating the transaction credit data according to the total credit data generated by the current historical transaction, the corresponding historical product value and a preset product value algorithm model comprises:

4. The method of claim 3, wherein the predetermined product-valued algorithm model is:

Y＝Y′+∑X*t*Z

5. The method of claim 4, wherein the obtaining of the historical credit values corresponding to the total credit data generated by the current historical transaction and the total credit data generated by the current historical transaction comprises:

6. A processing device of transaction limit data is characterized by comprising:

7. The apparatus of claim 6, further comprising:

the time difference determining module is used for acquiring a product control code corresponding to total limit data generated by current historical transaction;

8. An electronic device, comprising: a memory, a processor;

a memory; a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the processing method of transaction limit data according to any one of claims 1 to 5 by the processor.

9. A computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are executed by a processor to implement the method for processing transaction amount data according to any one of claims 1 to 5.

10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the method of processing transaction amount data according to any one of claims 1 to 5.