CN114663240A - Asset transaction data processing method and device - Google Patents
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Abstract
The application discloses a method and a device for processing asset transaction data. Relating to the field of financial science and technology, the method comprises the following steps: responding to the asset transaction request, acquiring first asset data information, and generating first account information of a first account and target time according to the first asset data information; verifying the first asset data information, and updating second asset data in the first account information into target asset data under the condition that the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset from a first account; the reservation transaction information and the second account information of the second account are obtained, and the target asset data of the first account is traded to the second account according to the reservation transaction information and the target time, so that the problems that in the related technology, when cross-border remittance is carried out through ticket storage, a user needs to go to a counter for multiple times and the processing efficiency is low are solved.
Description
Technical Field
The application relates to the field of financial science and technology, in particular to an asset transaction data processing method and device.
Background
Fig. 1 is a flow chart of the same city bill deposit provided in the prior art, as shown in fig. 1, when a customer holds a check of another financial institution to deposit a bill in the prior art, the check is deposited into the system by a business and then is proposed to a bill exchange institution to be cleared. When the bill returned by the check issuing mechanism is no problem and is cleared, the bill amount can be used for the customer. This process typically takes 3-5 days.
Fig. 2 is a flow chart of cross-border remittance provided in the prior art, and when the customer sends the cross-border remittance to the temporary locker of the target financial institution as shown in fig. 2, the service records the system according to the remittance order filled by the customer, and sends the remittance after the customer checks the account.
Fig. 3 is a flow chart of a conventional cross-border reservation remittance provided in the prior art, in which, for example, the client shown in fig. 3 enters a reservation remittance agreement with a temporary locker at a target financial institution, records elements such as remittance information and execution date, and waits for an execution date background program to automatically remit the remittance.
If the customer needs to carry out cross-border remittance after the deposit receipt is used for the purpose, the customer needs to go to the counter for deposit receipt, and then goes to the counter again for cross-border remittance after the amount of money is used for the purpose. The two cabinet visits may be separated by several days for various reasons, with long cross-border remittance periods for the customer. The demand of remitting the deposit fund immediately after the deposit fund is used cannot be met.
Aiming at the problems that in the related art, when cross-border remittance is carried out through ticket storage, a user needs to go to a cabinet for multiple times and the processing efficiency is low, an effective solution is not provided at present.
Disclosure of Invention
The application mainly aims to provide an asset transaction data processing method and device to solve the problems that in the related art, when cross-border remittance is carried out through a deposit ticket, a user needs to go to a cabinet for multiple times, and processing efficiency is low.
To achieve the above object, according to one aspect of the present application, there is provided an asset transaction data processing method. The method comprises the following steps: responding to an asset transaction request, acquiring first asset data information, and generating first account information and target time of a first account according to the first asset data information, wherein the first asset data information is asset data information generated by a third-party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction; verifying the first asset data information, and updating second asset data in the first account information into target asset data under the condition that the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset through the first account; acquiring reserved transaction information and second account information of a second account, and trading the target asset data of the first account to the second account according to the reserved transaction information and the target time.
Optionally, verifying the first asset data information, and determining that the second asset data is the target asset data when the first asset data information passes verification includes: sending the first asset data information to a third-party mechanism for verification, and determining whether the first asset data is generated by the third-party mechanism; and under the condition that the first asset data information is generated by the third-party mechanism, determining that the first asset data information is verified, trading the first asset data in the first asset data information to the first account by the third-party mechanism, and updating the second asset data in the first account information into target asset data.
Optionally, sending the first asset data information to a third party authority for verification further includes: and under the condition that the first asset data information is not generated by the third-party mechanism, emptying second asset data in the first account information and returning an asset transaction failure result.
Optionally, before trading the target asset data of the first account to the second account according to the reservation trading information and the target time, the method further includes: and verifying the first account information of the first account and the second account information of the second account, and executing the step of trading the target asset data of the first account to the second account according to the reserved transaction information and the target time under the condition that the verification is passed.
In order to achieve the above object, according to another aspect of the present application, there is provided an asset transaction data processing method, comprising: receiving a request for verifying first asset data information, wherein the first asset data is asset data information generated by a third-party organization, the first asset data information is used for generating first account information of a first account and target time, the first account information comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is used for the time when the first asset can start to perform asset transaction; sending the request for verifying the first asset data information to a third-party organization for verification, and determining a verification result of the verification, wherein the verification result is used for determining whether second asset data in the first account is determined as target asset data; and returning a verification result of the first asset data information, wherein when the verification result is that the verification is passed, reservation transaction information and second account information of a second account are obtained, and the target asset data of the first account is traded to the second account according to the reservation transaction information and the target time.
Optionally, after returning the verification result of the first asset data information, the method further includes: and under the condition that the first asset data information is not generated by the third-party mechanism, the verification result is verification success, the first asset data in the first asset data information is traded to the first account by the third-party mechanism, and the second asset data in the first account information is updated to target asset data.
Optionally, the method includes: and under the condition that the first asset data information is not generated by the third-party mechanism, the verification result is verification failure, the second asset data in the first account information is emptied, and an asset transaction failure result is returned.
To achieve the above object, according to another aspect of the present application, there is provided an asset transaction data processing apparatus. The device includes: the generation module is used for responding to an asset transaction request, acquiring first asset data information, and generating first account information and target time of a first account according to the first asset data information, wherein the first asset data information is asset data information generated by a third party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction; the updating module is used for verifying the first asset data information and updating second asset data in the first account information into target asset data under the condition that the first asset data information is verified to be passed, wherein the target asset data is used for performing asset transaction on the first asset through the first account; and the transaction module is used for acquiring reserved transaction information and second account information of a second account and transacting the target asset data of the first account to the second account according to the reserved transaction information and the target time.
According to another aspect of the present application, there is also provided a computer-readable storage medium storing a program, wherein the program performs the asset transaction data processing method of any one of the above.
According to another aspect of the application, there is also provided an electronic device comprising one or more processors and memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the asset transaction data processing method of any of the above.
By the application, the following steps are adopted: responding to the asset transaction request, acquiring first asset data information, and generating first account information and target time of a first account according to the first asset data information, wherein the first asset data information is asset data information generated by a third-party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction; verifying the first asset data information, and updating second asset data in the first account information into target asset data under the condition that the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset from a first account; and acquiring reserved transaction information and second account information of a second account, and trading the target asset data of the first account to the second account according to the reserved transaction information and the target time. The first asset data of the third-party organization is temporarily stored in the first account as the second asset data, and the second asset data is traded by the first account at the target time according to the reserved transaction information after the first asset data information passes verification, so that the aim of avoiding multiple cabinet-facing asset trading of the asset information of the third-party organization by a user is fulfilled, the technical effect of improving the trading efficiency of the cross-organization asset trading of the user is realized, and the problems that the user needs to perform cabinet-facing processing for multiple times when cross-border remittance is performed through ticket storage in the related technology and the processing efficiency is low are solved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the application and, together with the description, serve to explain the application and are not intended to limit the application. In the drawings:
FIG. 1 is a flow chart of a prior art provision of a check deposit for a college ticket;
FIG. 2 is a flow diagram of a cross-border money transfer provided in the prior art;
FIG. 3 is a prior art cross-border reservation remittance flow diagram provided in the prior art;
FIG. 4 is a flow chart of a method of asset transaction data processing provided in accordance with an embodiment of the present application;
FIG. 5 is a flow chart of another asset transaction data processing method provided in accordance with an embodiment of the present application;
FIG. 6 is a cross-border remittance flow chart based on the same city bill payment provided according to the embodiment of the application;
FIG. 7 is a schematic diagram of an asset transaction data processing device provided in accordance with an embodiment of the present application;
fig. 8 is a schematic diagram of an electronic device provided according to an embodiment of the present application.
Detailed Description
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
In order to make the technical solutions of the present application better understood by those skilled in the art, 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 some embodiments of the present application, and not all 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.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that relevant information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for presentation, analyzed data, etc.) referred to in the present disclosure are information and data that are authorized by the user or sufficiently authorized by various parties. For example, an interface is provided between the system and the relevant user or organization, before obtaining the relevant information, an obtaining request needs to be sent to the user or organization through the interface, and after receiving the consent information fed back by the user or organization, the relevant information is obtained.
The invention will be described with reference to preferred implementation steps, and fig. 4 is a flowchart of an asset transaction data processing method according to an embodiment of the present application, and as shown in fig. 4, the method includes the following steps:
step S101, responding to an asset transaction request, acquiring first asset data information, and generating first account information and target time of a first account according to the first asset data information, wherein the first asset data information is asset data information generated by a third party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction;
step S102, verifying the first asset data information, and updating second asset data in the first account information into target asset data under the condition that the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset through a first account;
step S103, acquiring reserved transaction information and second account information of a second account, and trading the target asset data of the first account to the second account according to the reserved transaction information and the target time.
Through the steps, responding to an asset transaction request, acquiring first asset data information, and generating first account information and target time of a first account according to the first asset data information, wherein the first asset data information is asset data information generated by a third-party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction; verifying the first asset data information, and updating second asset data in the first account information into target asset data under the condition that the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset from a first account; and acquiring reserved transaction information and second account information of a second account, and trading the target asset data of the first account to the second account according to the reserved transaction information and the target time. The first asset data of the third-party organization is temporarily stored in the first account as the second asset data, and the second asset data is traded by the first account at the target time according to the reserved transaction information after the first asset data information passes verification, so that the aim of avoiding multiple cabinet-facing asset trading of the asset information of the third-party organization by a user is fulfilled, the technical effect of improving the trading efficiency of the cross-organization asset trading of the user is realized, and the problems that the user needs to perform cabinet-facing processing for multiple times when cross-border remittance is performed through ticket storage in the related technology and the processing efficiency is low are solved.
The main body of the execution of the above steps may be a server of a target financial institution (such as a bank), the first asset data information may be financial asset data information, and may be information of asset instruments issued by other financial institutions, that is, asset data information produced by the third-party institution, the first asset data information may include a serial number, an amount, an issuing institution, an asset type, a certificate number, and the like of the asset instruments, by inputting the first asset data information into the target financial institution, first account information may be generated according to the first asset data information, the first account information may include a ticket storage account (a customer account of the target financial institution), first asset data information, first asset data of the first asset data information may be temporarily stored in the first account in the manner of the second asset data, as the reserve asset, the first account of the first account information may be an asset account of the target financial institution.
The target time may be a time when the first asset information is verified by the third-party entity and a first asset is transacted to the first account, that is, the first asset information is determined to be generated by the third-party entity and a time when the first asset is transacted to the first account, and the second asset data may be updated to the target asset data after the first asset information is verified by the third-party entity.
The target asset data may be virtual asset data that is temporarily stored in the server and performs asset transaction through the first account, and when the first account performs transaction to the target object, that is, the second account satisfies the transaction condition, the server performs transaction to the target object, that is, the second account, and by acquiring the reservation transaction information, the server may start to perform transaction to the second account at the target time according to the content of the reservation transaction information.
The reservation transaction information may be in the form of an asset transaction, such as a timed rate general remittance, a timed rate pre-remittance, etc., and the institution generating the second account may be in a different region, country, the target time may be calculated automatically by the system when the first account is generated based on the first asset data information, the target time may be a time when the second asset data is updated to the target asset data, or a time after the second asset data is updated to the target asset data, the evaluation may be performed by historical data, the predictive model may be trained by historical data, the calculation may be performed by the predictive model, the second account information may include information on the account of the recipient, name of the financial institution, amount of money transferred, type of money transferred asset, whether to charge, and a receipt and report line message.
The first asset data of the third-party organization is temporarily stored in the first account as the second asset data, after the first asset data information passes verification, the second asset data is traded by the first account at the target time according to the reserved transaction information, the purpose that a user holds the asset information of the third-party organization to be subjected to asset trading repeatedly before the user goes to a cabinet is achieved, the technical effect of improving the transaction efficiency of the asset trading of the user across organizations is achieved, and the problem that the user needs to go to the cabinet for multiple times and the processing efficiency is low when the cross-country remittance is carried out through ticket storage in the related technology is solved.
Optionally, verifying the first asset data information, and determining that the second asset data is the target asset data when the first asset data information passes verification includes: sending the first asset data information to a third-party mechanism for verification, and determining whether the first asset data is generated by the third-party mechanism; and under the condition that the first asset data information is generated by the third-party mechanism, determining that the first asset data information passes verification, trading the first asset data in the first asset data information to a first account by the third-party mechanism, and updating second asset data in the first account information into target asset data.
When verifying the first asset data information, generating a target file from a plurality of first asset data information of preset time, sending the first asset information to a related bill transaction institution, such as a bill transaction institution, in the form of the target file, sending the first asset data information in the target file to the third party institution, that is, to an issuing institution generating the first asset data information, verifying the first asset data information by the third party institution, in the case that the first asset data information is generated by the third party institution, the first asset data information verification is passed, the third party institution returning the verification result to the bill transaction institution, the bill transaction institution returning the verification result to the financial institution where the first account is located, and the third party institution also trading the first asset to the first account, the first account may receive the first asset, and update the second asset in the first account information to target asset data that may be traded to another institution.
Optionally, sending the first asset data information to the third party authority for verification further includes: and under the condition that the first asset data information is not generated by the third-party mechanism, emptying the second asset data in the first account information, and returning an asset transaction failure result.
When the first asset data information is not generated by the third-party organization, that is, the first asset data information fails to be verified, it is indicated that the validity verification of the first asset data information fails, and the second asset data of the first account information cannot be converted into the target asset data for asset transaction, so that the second asset data can be emptied in the first account information, and the asset transaction fails.
Optionally, before trading the target asset data of the first account to the second account according to the reservation trading information and the target time, the method further includes: and verifying the first account information of the first account and the second account information of the second account, and executing the step of trading the target asset data of the first account to the second account according to the reserved trading information and the target time under the condition that the verification is passed.
The method may further include verifying first account information of the first account and second account information of the second account before transacting the target asset data of the first account to the second account according to the reserved transaction information and the target time, and may perform a step of transacting the target asset data of the first account to the second account according to the reserved transaction information and the target time under a condition that the first account information and the second account information are consistent with user input information and conform to a preset format and the first account information and the second account information are verified to be passed.
By verifying the first account information and the second account information, the purpose of reducing the asset transaction error rate is achieved, and the technical effect of improving the asset transaction accuracy is achieved.
Fig. 5 is a flow chart of another asset transaction data processing method provided according to an embodiment of the present application, as shown in fig. 5, the method including the steps of:
step S201, receiving a request for verifying first asset data information, wherein the first asset data is asset data information generated by a third party organization, the first asset data information is used for generating first account information of a first account and target time, the first account information comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is used for the time when the first asset can start to perform asset transaction;
step S202, sending a request for verifying the first asset data information to a third-party organization for verification, and determining a verification result of the verification, wherein the verification result is used for determining whether to determine second asset data in the first account as target asset data;
and step S203, returning a verification result of the first asset data information, wherein under the condition that the verification result is verified to be passed, the reserved transaction information and second account information of the second account are obtained, and the target asset data of the first account is traded to the second account according to the reserved transaction information and the target time.
In order to achieve the above object, according to another aspect of the present application, there is provided an asset transaction data processing method, comprising: receiving a request for verifying first asset data information, wherein the first asset data is asset data information generated by a third-party organization, the first asset data information is used for generating first account information of a first account and target time, the first account information comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is used for the time when the first asset can start to perform asset transaction; sending a request for verifying the first asset data information to a third-party organization for verification, and determining a verification result of the verification, wherein the verification result is used for determining whether the second asset data in the first account is determined as target asset data; and returning a verification result of the first asset data information, wherein under the condition that the verification result is verified to be passed, the reserved transaction information and second account information of the second account are obtained, and the target asset data of the first account is traded to the second account according to the reserved transaction information and the target time.
The executing subject of the above steps may be a related bill transaction institution, such as an asset bill transaction institution, the bill transaction institution may receive an asset data information verification request from another financial institution, that is, may receive the verification request for the first asset data information, the verification request may be issued in a file exchange manner, the first asset data information in the file exchange is sent to a third party institution, and the third party institution verifies the first asset data information, where the verification result of the verification may be that the verification is passed in a case where the first asset data information is generated by the third party institution, and the verification result may be that the verification is failed in a case where the first asset data information is not generated by the third party institution.
The bill transaction mechanism can receive the verification result and send the verification result to the target financial mechanism of the first account, when the target financial mechanism receives the verification result that the first asset information is successfully verified, the target financial mechanism can update the second asset data in the first account into target asset data, namely, into asset data which can be traded to other accounts at the target time by the first account and the reserved transaction information,
and under the condition that the verification result is verification failure, the first asset data information is failed in verification, the second asset data is emptied, and the verification result of the verification failure is returned to the financial institution where the first account is located.
The first asset data of the third-party organization is temporarily stored in the first account as the second asset data, after the first asset data information passes verification, the second asset data is traded by the first account at the target time according to the reserved transaction information, the purpose that a user holds the asset information of the third-party organization to be subjected to asset trading repeatedly before the user goes to a cabinet is achieved, the technical effect of improving the transaction efficiency of the asset trading of the user across organizations is achieved, and the problem that the user needs to go to the cabinet for multiple times and the processing efficiency is low when the cross-country remittance is carried out through ticket storage in the related technology is solved.
Optionally, after returning the verification result of the first asset data information, the method further includes: and under the condition that the first asset data information is not generated by the third-party mechanism, the verification result is that the verification is successful, the first asset data in the first asset data information is traded to a first account by the third-party mechanism, and second asset data in the first account information is updated into target asset data.
And under the condition that the first asset data information is not generated by the third-party mechanism, the verification result is that the verification is successful, the first asset data in the first asset data information can be traded to a first account by the third-party mechanism, and the second asset data in the first account information can be updated to the target asset data.
Optionally, the method includes: and under the condition that the first asset data information is not generated by the third-party mechanism, the verification result is verification failure, the second asset data in the first account information is emptied, and an asset transaction failure result is returned.
And under the condition that the first asset data information is not generated by the third-party organization, the verification result is verification failure, the verification result of the verification failure is sent to the target financial organization where the first account information is located, and the target financial organization can clear the second asset data in the first account information and return the second asset data to the asset transaction failure result of the user.
According to the asset transaction data processing method provided by the embodiment of the application, a first asset data information is obtained in response to an asset transaction request, and first account information and target time of a first account are generated according to the first asset data information, wherein the first asset data information is asset data information generated by a third-party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction; verifying the first asset data information, and updating second asset data in the first account information into target asset data under the condition that the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset from a first account; and acquiring reserved transaction information and second account information of a second account, and trading the target asset data of the first account to the second account according to the reserved transaction information and the target time. The first asset data of the third-party organization is temporarily stored in the first account as the second asset data, after the first asset data information passes verification, the second asset data is traded by the first account at the target time according to the reserved transaction information, the purpose that a user holds the asset information of the third-party organization to be subjected to asset trading repeatedly before the user goes to a cabinet is achieved, the technical effect of improving the transaction efficiency of the asset trading of the user across organizations is achieved, and the problem that the user needs to go to the cabinet for multiple times and the processing efficiency is low when the cross-country remittance is carried out through ticket storage in the related technology is solved.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
It should be noted that the present application also provides an alternative embodiment, which is described in detail below.
The embodiment provides a cross-border remittance process based on bill payment in the same city, which combines a bill storage process and a remittance process, and automatically remits the bill after the amount of the reserved remittance is cancelled by signing and reserving the remittance in the bill storage process.
Fig. 6 is a cross-border remittance flow chart based on the same city bill payment according to the embodiment of the present application, and as shown in fig. 6, the specific flow of the embodiment is as follows:
the remittance type-deposit remittance is newly added on a remittance input transaction interface, a customer is in a cabinet to provide a deposit for applying for remittance, a teller selects deposit remittance money on the remittance input transaction interface, enters a bill information page, inputs relevant information (namely the first asset data information) of a bill, such as information (namely the first account information) of a deposit account number (i.e. a customer account of our bank), a bill number, an amount, a currency type, a sign issue, a certificate number and the like, and the system automatically calculates a bill expiration date (namely the target time) according to the bill information and reversely displays the bill information page. The teller clicks submit into the remittance accounting information page.
When the system enters a remittance information page, a bank customer account is automatically recorded into a remitter account, a teller manually records the related information (namely second account information) of messages such as the account number of the remitter, the account name of the remitter, a receiving bank, the remittance amount, the remittance currency, whether to charge or not, a receiving bank and the like, and the remittance date system automatically assigns the value to a bill expiration date. Recording reservation type information, regular quota ordinary remittance, regular quota pre-settlement remittance and the like, finishing the recording, ordering a delivery button, generating a ticket storage record by the system, and reserving a remittance protocol record. The deposit amount accounts for the customer's remaining balance (i.e., the second asset data described above).
And the rechecking teller checks the information of the ticket storage information and the reserved remittance information, compares the information provided by the customer with the input information of the teller, and clicks to recheck if no problem exists.
And the background system generates exchange files proposed in the same city in batches at the end of the day and sends the bill information to a bill transaction mechanism for clearing. The bill transaction organization sends the bill to the bill issuing for bill checking and clearing, and the bill issuing (namely the third party organization) returns the bill checking result to the bill transaction organization before the date of use, and the bill transaction organization returns to the bank (namely the target financial organization); if the bill has no problem, the reserved balance is converted into an available balance (namely the target asset data), the program automatically executes remittance after the remittance reservation, deducts the customer account and remits a message; if there is a problem in the ticket, the ticket returning process is performed, the reservation protocol (i.e. the reservation transaction information) is invalidated, and the customer is informed of the ticket storing result and the reserved remittance execution result.
The key point of the implementation mode is that the ticket storage flow and the cross-border remittance flow are combined, the refund day is automatically calculated according to the ticket storage information, and the ticket storage fund is remitted immediately after being refunded by signing the reservation protocol, so that the number of times of the customer facing the counter is reduced, the requirement of the customer on time effectiveness is met, and the efficiency of cross-border remittance (namely asset transaction) is improved.
The embodiment of the present application further provides an asset transaction data processing device, and it should be noted that the asset transaction data processing device according to the embodiment of the present application may be used to execute the asset transaction data processing method provided in the embodiment of the present application. The following describes an asset transaction data processing device according to an embodiment of the present application.
Fig. 7 is a schematic diagram of an asset transaction data processing device according to an embodiment of the present application. As shown in fig. 7, the apparatus includes: a generation module 70, an update module 72, and a transaction module 74, which are described in more detail below.
The generating module 70 is configured to respond to the asset transaction request, acquire first asset data information, and generate first account information and target time of a first account according to the first asset data information, where the first asset data information is asset data information generated by a third party organization, the first account information further includes second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is time when the second asset starts to perform asset transaction; an updating module 72, connected to the generating module 70, for verifying the first asset data information, and updating the second asset data in the first account information into target asset data when the first asset data information passes verification, where the target asset data is used for performing asset transaction on the first asset from the first account; and a transaction module 74, connected to the update module 72, for acquiring the reserved transaction information and the second account information of the second account, and transacting the target asset data of the first account to the second account according to the reserved transaction information and the target time.
In the asset transaction data processing apparatus provided in the embodiment of the present application, the generating module 70, in response to the asset transaction request, acquires first asset data information, and generates first account information and target time of a first account according to the first asset data information, where the first asset data information is asset data information generated by a third party organization, the first account information further includes second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is time when the second asset starts to perform asset transaction; the updating module 72 verifies the first asset data information, and updates the second asset data in the first account information into target asset data when the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset from the first account; the transaction module 74 obtains the reserved transaction information and the second account information of the second account, transacts the target asset data of the first account to the second account according to the reserved transaction information and the target time, transacts the second asset data from the first account at the target time according to the reserved transaction information by temporarily storing the first asset data of the third-party organization in the first account, and after the first asset data information passes verification, transacts the second asset data from the first account at the target time according to the reserved transaction information, so that the purpose of avoiding that a user holds the asset information of the third-party organization to perform asset transaction for multiple times when approaching the cabinet is achieved, the technical effect of improving the transaction efficiency of performing asset transaction by crossing organizations by the user is achieved, and the problems that the user needs to process for multiple times when performing cross-border remittance through ticket storage in the related technology and the processing efficiency is low are solved.
Optionally, verifying the first asset data, and determining that the second asset data is the target asset data when the first asset data information is verified, includes: sending the first asset data information to a third-party mechanism for verification, and determining whether the first asset data is generated by the third-party mechanism; and under the condition that the first asset data information is generated by the third-party mechanism, determining that the first asset data information passes verification, trading the first asset data in the first asset data information to a first account by the third-party mechanism, and updating second asset data in the first account information into target asset data.
Optionally, sending the first asset data information to the third-party authority for verification further includes: and under the condition that the first asset data information is not generated by the third-party mechanism, emptying the second asset data in the first account information, and returning an asset transaction failure result.
Optionally, before trading the target asset data of the first account to the second account according to the reservation trading information and the target time, the method further includes: and verifying the first account information of the first account and the second account information of the second account, and executing the step of trading the target asset data of the first account to the second account according to the reserved trading information and the target time under the condition that the verification is passed.
The asset transaction data processing device comprises a processor and a memory, wherein the generation module 70, the update module 72, the transaction module 74 and the like are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.
The processor comprises a kernel, and the kernel calls the corresponding program unit from the memory. The kernel can be set to be one or more than one, and the problem that in the related technology, when cross-border remittance is carried out through ticket storage, a user needs to go to a cabinet for multiple times and the processing efficiency is low is solved by adjusting the kernel parameters.
The memory may include volatile memory in a computer readable medium, Random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip.
An embodiment of the present invention provides a computer-readable storage medium having stored thereon a program which, when executed by a processor, implements the asset transaction data processing method.
The embodiment of the invention provides a processor, which is used for running a program, wherein the asset transaction data processing method is executed when the program runs.
Fig. 8 is a schematic diagram of an electronic device according to an embodiment of the present application, and as shown in fig. 8, an embodiment of the present application provides an electronic device 80, where the device includes a processor, a memory, and a program stored in the memory and executable on the processor, and the processor executes the program to implement the following steps: responding to the asset transaction request, acquiring first asset data information, and generating first account information and target time of a first account according to the first asset data information, wherein the first asset data information is asset data information generated by a third-party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction; verifying the first asset data information, and updating second asset data in the first account information into target asset data under the condition that the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset from a first account; and acquiring reserved transaction information and second account information of a second account, and transacting the target asset data of the first account to the second account according to the reserved transaction information and the target time.
Optionally, verifying the first asset data, and determining that the second asset data is the target asset data when the first asset data information is verified, includes: sending the first asset data information to a third-party mechanism for verification, and determining whether the first asset data is generated by the third-party mechanism; and under the condition that the first asset data information is generated by the third-party mechanism, the first asset data information is determined to pass verification, the first asset data in the first asset data information is traded to a first account by the third-party mechanism, and second asset data in the first account information is updated to be target asset data.
Optionally, sending the first asset data information to the third-party authority for verification further includes: and under the condition that the first asset data information is not generated by the third-party mechanism, emptying the second asset data in the first account information, and returning an asset transaction failure result.
Optionally, before trading the target asset data of the first account to the second account according to the reserved trading information and the target time, the method further includes: and verifying the first account information of the first account and the second account information of the second account, and executing the step of trading the target asset data of the first account to the second account according to the reserved trading information and the target time under the condition that the verification is passed.
The following steps can be realized when the processor executes the program: receiving a request for verifying first asset data information, wherein the first asset data is asset data information generated by a third-party organization, the first asset data information is used for generating first account information of a first account and target time, the first account information comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is used for the time when the first asset can start to perform asset transaction; sending a request for verifying the first asset data information to a third-party organization for verification, and determining a verification result of the verification, wherein the verification result is used for determining whether the second asset data in the first account is determined as target asset data; and returning a verification result of the first asset data information, wherein under the condition that the verification result is verified to be passed, the reserved transaction information and second account information of the second account are obtained, and the target asset data of the first account is traded to the second account according to the reserved transaction information and the target time.
Optionally, after returning the verification result of the first asset data information, the method further includes: and under the condition that the first asset data information is not generated by the third-party mechanism, if the verification result is successful, the first asset data in the first asset data information is traded to a first account by the third-party mechanism, and the second asset data in the first account information is updated to be target asset data.
Optionally, the method includes: and under the condition that the first asset data information is not generated by the third-party mechanism, the verification result is verification failure, the second asset data in the first account information is emptied, and an asset transaction failure result is returned.
The device herein may be a server, a PC, a PAD, a mobile phone, etc.
The present application further provides a computer program product adapted to perform a program for initializing the following method steps when executed on a data processing device: responding to the asset transaction request, acquiring first asset data information, and generating first account information and target time of a first account according to the first asset data information, wherein the first asset data information is asset data information generated by a third-party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction; verifying the first asset data information, and updating second asset data in the first account information into target asset data under the condition that the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset from a first account; and acquiring reserved transaction information and second account information of a second account, and trading the target asset data of the first account to the second account according to the reserved transaction information and the target time.
Optionally, verifying the first asset data, and determining that the second asset data is the target asset data when the first asset data information is verified, includes: sending the first asset data information to a third-party mechanism for verification, and determining whether the first asset data is generated by the third-party mechanism; and under the condition that the first asset data information is generated by the third-party mechanism, determining that the first asset data information passes verification, trading the first asset data in the first asset data information to a first account by the third-party mechanism, and updating second asset data in the first account information into target asset data.
Optionally, sending the first asset data information to the third-party authority for verification further includes: and under the condition that the first asset data information is not generated by the third-party mechanism, emptying the second asset data in the first account information, and returning an asset transaction failure result.
Optionally, before trading the target asset data of the first account to the second account according to the reservation trading information and the target time, the method further includes: and verifying the first account information of the first account and the second account information of the second account, and executing the step of trading the target asset data of the first account to the second account according to the reserved trading information and the target time under the condition that the verification is passed.
It is further adapted to perform a procedure for initializing the following method steps: receiving a request for verifying first asset data information, wherein the first asset data is asset data information generated by a third-party organization, the first asset data information is used for generating first account information of a first account and target time, the first account information comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is used for the time when the first asset can start to perform asset transaction; sending a request for verifying the first asset data information to a third-party organization for verification, and determining a verification result of the verification, wherein the verification result is used for determining whether the second asset data in the first account is determined as target asset data; and returning a verification result of the first asset data information, wherein under the condition that the verification result is verified to be passed, the reserved transaction information and second account information of the second account are obtained, and the target asset data of the first account is traded to the second account according to the reserved transaction information and the target time.
Optionally, after returning the verification result of the first asset data information, the method further includes: and under the condition that the first asset data information is not generated by the third-party mechanism, if the verification result is successful, the first asset data in the first asset data information is traded to a first account by the third-party mechanism, and the second asset data in the first account information is updated to be target asset data.
Optionally, the method includes: and under the condition that the first asset data information is not generated by the third-party mechanism, the verification result is verification failure, the second asset data in the first account information is emptied, and an asset transaction failure result is returned.
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 so forth) 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.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.
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 above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (10)
1. An asset transaction data processing method, comprising:
responding to an asset transaction request, acquiring first asset data information, and generating first account information and target time of a first account according to the first asset data information, wherein the first asset data information is asset data information generated by a third party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction;
verifying the first asset data information, and updating second asset data in the first account information into target asset data under the condition that the first asset data information passes verification, wherein the target asset data is used for performing asset transaction on the first asset through the first account;
acquiring reserved transaction information and second account information of a second account, and trading the target asset data of the first account to the second account according to the reserved transaction information and the target time.
2. The method of claim 1, wherein verifying the first asset data information, and wherein determining that the second asset data is target asset data if the first asset data information is verified comprises:
sending the first asset data information to a third-party mechanism for verification, and determining whether the first asset data is generated by the third-party mechanism;
and under the condition that the first asset data information is generated by the third-party mechanism, determining that the first asset data information is verified, trading the first asset data in the first asset data information to the first account by the third-party mechanism, and updating the second asset data in the first account information into target asset data.
3. The method of claim 2, wherein sending the first asset data information to a third party authority for verification further comprises:
and under the condition that the first asset data information is not generated by the third-party mechanism, emptying second asset data in the first account information, and returning an asset transaction failure result.
4. The method of claim 1, wherein trading the target asset data of the first account to the second account based on the reservation transaction information and the target time further comprises:
and verifying the first account information of the first account and the second account information of the second account, and executing the step of trading the target asset data of the first account to the second account according to the reserved trading information and the target time under the condition that the verification is passed.
5. An asset transaction data processing method, comprising:
receiving a request for verifying first asset data information, wherein the first asset data is asset data information generated by a third-party organization, the first asset data information is used for generating first account information of a first account and target time, the first account information comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is used for the time when the first asset can start to perform asset transaction;
sending the request for verifying the first asset data information to a third-party organization for verification, and determining a verification result of the verification, wherein the verification result is used for determining whether second asset data in the first account is determined as target asset data;
and returning a verification result of the first asset data information, wherein when the verification result is that the verification is passed, reservation transaction information and second account information of a second account are obtained, and the target asset data of the first account is traded to the second account according to the reservation transaction information and the target time.
6. The method of claim 5, wherein after returning the verification result of the first asset data information, further comprising:
and under the condition that the first asset data information is not generated by the third-party mechanism, the verification result is verification success, the first asset data in the first asset data information is traded to the first account by the third-party mechanism, and the second asset data in the first account information is updated to target asset data.
7. The method of claim 5, comprising:
and under the condition that the first asset data information is not generated by the third-party mechanism, the verification result is verification failure, the second asset data in the first account information is emptied, and an asset transaction failure result is returned.
8. An asset transaction data processing apparatus, comprising:
the generation module is used for responding to an asset transaction request, acquiring first asset data information, and generating first account information and target time of a first account according to the first asset data information, wherein the first asset data information is asset data information generated by a third party organization, the first account information further comprises second asset data, the second asset data is temporary storage asset data determined according to the first asset data information, and the target time is the time when the second asset starts to perform asset transaction;
the updating module is used for verifying the first asset data information and updating second asset data in the first account information into target asset data under the condition that the first asset data information is verified to be passed, wherein the target asset data is used for performing asset transaction on the first asset through the first account;
and the transaction module is used for acquiring reserved transaction information and second account information of a second account and transacting the target asset data of the first account to the second account according to the reserved transaction information and the target time.
9. A computer-readable storage medium characterized in that the storage medium stores a program, wherein the program executes the asset transaction data processing method according to any one of claims 1 to 7.
10. An electronic device comprising one or more processors and memory storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the asset transaction data processing method of any of claims 1 to 7.
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| CN202210441575.1A CN114663240A (en) | 2022-04-25 | 2022-04-25 | Asset transaction data processing method and device |
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| TWI831578B (en) * | 2023-01-17 | 2024-02-01 | 臺灣中小企業銀行股份有限公司 | System for preventing and verifying financial transactions during non-business hour and method thereof |
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| TWI831578B (en) * | 2023-01-17 | 2024-02-01 | 臺灣中小企業銀行股份有限公司 | System for preventing and verifying financial transactions during non-business hour and method thereof |
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