CN116012001A - Transaction order processing method and device, storage medium and electronic equipment - Google Patents

Abstract

The invention discloses a transaction order processing method, a transaction order processing device, a storage medium and electronic equipment. Relates to the technical field of financial science and technology, wherein the method comprises the following steps: generating a target cash register based on transaction order information and a target agreement of a target payment transaction in response to a payment clearing request, wherein the payment clearing request is a request for performing funds payment and funds clearing on the target payment transaction in a target region; generating a fund payment request based on the target cash register, and sending the fund payment request to a first financial institution, wherein the first financial institution generates a remittance message after receiving the fund payment request; clearing the converged message at a second financial institution to generate a converged message; and based on the afflux message, afflux the target funds of the target client in the first financial institution to the funds account of the target merchant. The invention solves the technical problem that the foreign clients in the related technology are difficult to pay off locally, so that the clearing effect is poor.

Description

Transaction order processing method and device, storage medium and electronic equipment

Technical Field

The invention relates to the technical field of financial science and technology, in particular to a transaction order processing method, a transaction order processing device, a storage medium and electronic equipment.

Background

In recent years, B2B (Business-to-Business) and B2C (Business-to-Customer) e-commerce platforms are developed in many areas, but in the current order-receiving products of the overseas payment, the local clearing payment mode is not supported, so the following disadvantages are existed:

1. not in time for clearing: the payment mode of non-local clearing often cannot achieve real-time clearing, and after the consumer pays, the merchant needs to wait until the day is finished to clear and can not receive funds.

2. The user group is few: the payment mode of local clearing is attached to the use habit of the local user, and is often selected by the local user preferentially, but the local user purchases goods from an e-commerce platform outdoors and does not support the local clearing, so that the local clearing is unfavorable for opening the market and expanding the users.

3. The application scenario is limited: the local clearing payment mode has wide local application range, and the local clearing payment mode is not supported by purchasing goods from the e-commerce platform outdoors, so that the local clearing payment mode is limited when the merchant is promoted.

In view of the above problems, no effective solution has been proposed at present.

Disclosure of Invention

The embodiment of the invention provides a transaction order processing method, a transaction order processing device, a storage medium and electronic equipment, which at least solve the technical problem that in the related art, an overseas client is difficult to pay off locally, so that the clearing effect is poor.

According to an aspect of an embodiment of the present invention, there is provided a method for processing a trade order, including: generating a target cash register code based on transaction order information and a target agreement of a target payment transaction in response to a payment clearing request, wherein the payment clearing request is a request for performing fund payment and fund clearing on the target payment transaction in a target area, the target payment transaction is generated by a target client for purchasing goods at a target merchant of an electronic commerce platform, the target client is a client in an overseas area outside the target area, and the target agreement is a clearing agreement of the payment transaction in the target area; generating a fund payment request based on the target cash register, and sending the fund payment request to a first financial institution, wherein the first financial institution generates an outgoing message after receiving the fund payment request, and the outgoing message at least comprises: funds data of the target customer which are collected from the target funds of the first financial institution, wherein the target funds are funds of the target customer for purchasing goods at the target merchant; clearing the remitted message at a second financial institution to generate an remitted message, wherein the second financial institution is a financial institution in the target area; and based on the afflux message, the target funds of the target client in the first financial institution are affluxed into a funds account of the target merchant.

Further, prior to generating the target checkout code based on the transaction order information and the target agreement for the target payment transaction, the method further comprises: acquiring an overseas deposit interface based on the payment clearing request; and calling the overseas deposit interface to inquire a clearing protocol signed with the target merchant.

Further, generating a target checkout code based on the transaction order information and the target agreement for the target payment transaction, comprising: code system specification information of the collection code of the target area is obtained; the target checkout code is generated based on the code specification information, the transaction order information, and the target agreement.

Further, after generating a funds payment request based on the target checkout and transmitting the funds payment request to the first financial institution, comprising: identifying the target payment transaction through a stream data processing platform based on preset data conditions, wherein the stream data processing platform is used for processing stream data in the fund transaction process; and under the condition that the transaction data of the target payment transaction are identified, determining that the transaction result of the target payment transaction is successful, and updating the order state of the target payment transaction.

Further, after determining that the transaction result of the target payment transaction is successful, invoking a payment to account notification interface to update the transaction order state of the target payment transaction; and after updating the transaction order state of the target payment transaction, displaying a payment success prompt interface to the target client, and sending a fund account notification to the target merchant.

Further, based on the transfer-in message, transferring the target funds of the target client at the first financial institution to a funds account of the target merchant, further comprising: processing the incoming message through an overseas deposit application to obtain incoming fund data; and calling an overseas deposit interface to sink the target funds into a funds account of the target merchant based on the remittance funds data.

Further, before responding to the payment clearing request, it includes: receiving a transaction request generated when the target client purchases the commodity of the target merchant, and generating a transaction order based on the transaction request; acquiring a selected payment mode of the transaction order by the target client; and generating the payment clearing request under the condition that the payment mode selected by the target client is to carry out payment clearing in the target area.

According to another aspect of the embodiment of the present invention, there is also provided a transaction order processing apparatus, including: the system comprises a first generation unit, a second generation unit and a third generation unit, wherein the first generation unit is used for responding to a payment clearing request, and generating a target cash register based on transaction order information and a target agreement of a target payment transaction, wherein the payment clearing request is a request for carrying out fund payment and fund clearing on the target payment transaction in a target area, the target payment transaction is generated by purchasing goods at a target merchant of an electronic commerce platform by a target client, the target client is a client in an overseas area outside the target area, and the target agreement is a clearing agreement of the payment transaction in the target area; the first processing unit is configured to generate a funds payment request based on the target payment code, and send the funds payment request to a first financial institution, where the first financial institution generates an outgoing message after receiving the funds payment request, and the outgoing message at least includes: funds data of the target customer which are collected from the target funds of the first financial institution, wherein the target funds are funds of the target customer for purchasing goods at the target merchant; the second generation unit is used for carrying out clearing processing on the remitted message at a second financial institution to generate an remitted message, wherein the second financial institution is a financial institution of the target area; and the second processing unit is used for converging the target funds of the target client in the first financial institution into the funds account of the target merchant based on the converging message.

Further, the transaction order processing device further comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring an overseas deposit interface based on the payment clearing request before generating a target cash register based on the transaction order information and the target agreement of the target payment transaction; and the inquiring unit is used for calling the overseas deposit interface to inquire a clearing protocol signed with the target merchant.

Further, the first generation unit includes: the acquisition subunit is used for acquiring code system specification information of the cashing code of the target area; and the generation subunit is used for generating the target cash-out code based on the code system specification information, the transaction order information and the target agreement.

Further, the transaction order processing device further includes: the identification unit is used for identifying the target payment transaction through a stream data processing platform based on preset data conditions after generating a payment request fund payment request based on the target cash register and sending the payment request fund payment request to a first financial institution, wherein the stream data processing platform is used for processing stream data in the fund transaction process; and the determining unit is used for determining that the transaction result of the target payment transaction is successful and updating the order state of the target payment transaction under the condition that the transaction data of the target payment transaction are identified.

Further, the transaction order processing device further includes: the updating unit is used for calling a payment to account notification interface after determining that the transaction result of the target payment transaction is successful, and updating the transaction order state of the target payment transaction; and the display unit is used for displaying a payment success prompt interface to the target client after updating the transaction order state of the target payment transaction and sending a fund account notification to the target merchant.

Further, the second processing unit includes: the processing subunit is used for processing the incoming message through an overseas deposit application to obtain incoming fund data; and the fund importing subunit is used for calling an overseas deposit interface to sink the target fund into the fund account of the target merchant based on the imported fund data.

Further, the transaction order processing device further includes: a receiving unit configured to receive a transaction request generated when the target customer purchases the commodity of the target merchant before responding to a payment clearing request, and generate a transaction order based on the transaction request; a payment mode obtaining unit, configured to obtain a payment mode of the target customer for selecting the transaction order; and the clearing request generation unit is used for generating the payment clearing request when the payment mode selected by the target client is to carry out payment clearing in the target area.

According to another aspect of the embodiment of the present invention, there is also provided an electronic device, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the method of processing a trade order of any of the above via execution of the executable instructions.

According to another aspect of the embodiment of the present invention, there is also provided a computer readable storage medium storing a computer program, where the computer program when executed controls a device in which the computer readable storage medium is located to execute the method for processing a transaction order of any one of the above.

In the invention, a target cash register is generated based on transaction order information and a target agreement of a target payment transaction in response to a payment clearing request, wherein the payment clearing request is a request for carrying out fund payment and fund clearing on the target payment transaction in a target area, the target payment transaction is generated by a target client for purchasing goods at a target merchant of an electronic commerce platform, the target client is a client in an overseas area outside the target area, and the target agreement is a clearing agreement of the payment transaction in the target area; generating a fund payment request based on the target cash register and sending the fund payment request to a first financial institution, wherein the first financial institution generates a remittance message after receiving the fund payment request, and the remittance message at least comprises: the method comprises the steps of collecting funds data of target funds of target customers at a first financial institution, wherein the target funds are funds of target customers for purchasing goods at target merchants; clearing the remitted message at a second financial institution to generate an remitted message, wherein the second financial institution is a financial institution in the target area; and based on the afflux message, afflux the target funds of the target client in the first financial institution to the funds account of the target merchant. Further, the technical problem that foreign clients in the related art are difficult to pay off locally, and the clearing effect is poor is solved. In the method, the receipt code is generated through the transaction order information and the target protocol, and the payment clearing processing is carried out in the target area through the remittance message and the remittance message generated by the financial institution, so that the situation that the local payment clearing mode cannot be used when the commodity is purchased from the e-commerce platform outdoors is avoided, and the technical effect that the clearing efficiency of the local clearing mode is adopted by the user who purchases the commodity outdoors is realized.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiments of the invention and together with the description serve to explain the invention and do not constitute a limitation on the invention. In the drawings:

FIG. 1 is a flow chart of an alternative method of processing a trade order according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of an alternative checkout counter according to an embodiment of the invention;

FIG. 3 is a flow chart of an alternative local clearing scan payment in accordance with an embodiment of the present invention;

FIG. 4 is a schematic diagram of an alternative transaction order processing device according to an embodiment of the invention;

fig. 5 is a schematic diagram of an electronic device according to an embodiment of the invention.

Detailed Description

In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.

It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. 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, the method and the device for processing a trade order in the present disclosure may be used in the financial and technological field under the condition of processing a trade order, and may also be used in any field other than the financial and technological field under the condition of processing a trade order, and the application fields of the method and the device for processing a trade order in the present disclosure are not limited.

It should be noted that, related 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.) related to the present disclosure are information and data authorized by a user or sufficiently authorized by each party. For example, an interface is provided between the system and the relevant user or institution, before acquiring the relevant information, the system needs to send an acquisition request to the user or institution through the interface, and acquire the relevant information after receiving the consent information fed back by the user or institution.

Example 1

In accordance with an embodiment of the present invention, an alternative method embodiment of a transaction order processing method is provided, it being noted that the steps illustrated in the flowchart of the figures may be performed in a computer system, such as a set of computer executable instructions, and, although a logical order is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in an order other than that illustrated herein.

FIG. 1 is a flow chart of an alternative method of processing a trade order, as shown in FIG. 1, according to an embodiment of the present invention, the method comprising the steps of:

In step S101, a target payment code is generated based on transaction order information and a target agreement of a target payment transaction in response to a payment clearing request, wherein the payment clearing request is a request for performing funds payment and funds clearing on the target payment transaction in a target area, the target payment transaction is a payment transaction generated by a target customer purchasing goods at a target merchant of an e-commerce platform, the target customer is a customer in an overseas area outside the target area, and the target agreement is a clearing agreement of the payment transaction in the target area.

The payment clearing request may be a request for funds payment and funds clearing at a target area for a target payment transaction generated by an overseas customer when the e-commerce platform purchases goods.

The target locale may be a clearing agreement for a payment transaction and the merchant may sign a local (corresponding to the target locale) clearing agreement with the financial institution.

Step S102, a fund payment request is generated based on a target cash register, and the fund payment request is sent to a first financial institution, wherein the first financial institution generates a remittance message after receiving the fund payment request, and the remittance message at least comprises: and collecting the fund data of the target customer at the first financial institution, wherein the target fund is the fund of the target customer for purchasing goods at the target merchant.

The above-described funds payment request may be used to request funds payment for the purchased goods via funds stored by the target customer at the first financial institution. The first financial institution is a financial institution storing funds for the target customer. After the first financial institution receives the fund payment request, a remittance message may be sent by the first institution, where the remittance message at least includes: and collecting the target funds of the target client at the first financial institution.

The target checkout code may be a graphic code (e.g., one-dimensional code, two-dimensional code). The target customer may generate the above-mentioned funds payment request by scanning the target cash register, and the funds payment request arrives at the output line (corresponding to the above-mentioned first financial institution), which issues the output message.

Step S103, clearing processing is carried out on the remitted message at a second financial institution, and the remitted message is generated, wherein the second financial institution is the financial institution of the target area.

The financial institution in the target area of the second financial institution may be used for clearing the remitted message, so that the customers in the overseas area can clear the target payment transaction in the target area, and a report message is generated, and the report message may be used for remitting the target funds remitted by the first financial institution into the funds account of the target merchant.

Step S104, based on the afflux message, the target funds of the target client in the first financial institution are affluxed into the funds account of the target merchant.

Based on the sinking message, the target funds of the target customer at the first financial institution can be sinking into the funds account of the target merchant.

It should be noted that, the execution subject of each step may be an electronic cash register of a clearing payment manner in the target area.

Through the steps, in the embodiment, the collection code is generated through the transaction order information and the target protocol, and the payment clearing processing is carried out in the target area through the remittance message and the remittance message generated by the financial institution, so that the situation that the local payment clearing mode cannot be used when the commodity is purchased from the e-commerce platform outdoors is avoided, and the technical effect that the clearing efficiency of the local clearing mode is adopted by the user who purchases the commodity outdoors is realized. Further, the technical problem that foreign clients in the related art are difficult to pay off locally, and the clearing effect is poor is solved.

Optionally, before generating the target checkout code based on the transaction order information and the target agreement for the target payment transaction, the method further comprises: acquiring an overseas deposit interface based on the payment clearing request; the overseas credit interface is invoked to query the clearing agreement with the target merchant.

In this embodiment, the foreign electronic payment platform may call the foreign deposit interface to query the local clearing protocol of the target merchant (corresponding to the target protocol described above), and generate the target checkout code according to the local (target region) clearing code system specification and the transaction order information and the protocol information, thereby realizing the technical effect of improving the clearing efficiency of the local clearing.

Optionally, generating the target checkout code based on the transaction order information and the target agreement of the target payment transaction includes: code system specification information of a cash register of a target area is obtained; a target checkout code is generated based on the code specification information, the transaction order information, and the target agreement.

In this embodiment, after the local clearing agreement (corresponding to the above-mentioned target agreement) of the target merchant is queried through the overseas personal electronic payment platform calling the overseas deposit interface, the target checkout code may be generated according to the local (target region) clearing code system specification according to the transaction order information of the target customer purchasing the commodity and the local clearing agreement information, thereby realizing the technical effect of providing the clearing efficiency of the target payment transaction.

Optionally, after generating the funds payment request based on the target checkout, and sending the funds payment request to the first financial institution, the method includes: identifying a target payment transaction through a stream data processing platform based on preset data conditions, wherein the stream data processing platform is used for processing stream data in the fund transaction process; and under the condition that the transaction data of the target payment transaction are identified, determining the transaction result of the target payment transaction as successful transaction, and updating the order state of the target payment transaction.

The off-shore deposit application adds a transaction element data packet for sending a target payment transaction to a leveling platform (corresponding to the streaming data processing platform) outside a merchant account, realizes streaming service on the leveling platform by off-shore personal electronic payment, identifies a local clearing transaction (payment clearing transaction in a target area) according to preset data conditions (such as a code of the local clearing transaction, and the like), and calls an off-shore personal electronic payment account notification interface. After the overseas personal electronic payment receives the account notification, the order state of the target payment transaction is updated, so that the technical effects of providing the clearing efficiency of local clearing of the overseas clients and increasing the overseas client groups are realized.

Optionally, after determining that the transaction result of the target payment transaction is successful, invoking a payment to account notification interface to update a transaction order status of the target payment transaction; after updating the transaction order status of the target payment transaction, a payment success prompt interface is presented to the target customer and a funds accounting notification is sent to the target merchant.

In this embodiment, the overseas personal electronic payment to account notification interface may be invoked, and after the overseas personal electronic payment receives the account notification, the order status of the target payment transaction may be updated after the transaction order status of the target payment transaction is updated, thereby realizing the technical effect of ensuring the transaction clearing efficiency and reliability of the target payment transaction.

Optionally, based on the sinking message, sinking the target funds of the target customer in the first financial institution into the funds account of the target merchant, and further including: processing the incoming message through an overseas deposit application to obtain incoming fund data; and calling an overseas deposit interface to collect the target funds into the funds account of the target merchant based on the collected funds data.

In this embodiment, the foreign storage application may perform the processing of the incoming message to obtain the incoming funds data, and finally call the foreign deposit application interface (corresponding to the foreign deposit interface) to complete the accounting processing of the target merchant, thereby achieving the technical effect of improving the customer population of the target merchant.

Optionally, before responding to the payment clearing request, the method includes: receiving a transaction request generated when a target customer purchases goods of a target merchant, and generating a transaction order based on the transaction request; acquiring a selected payment mode of a target customer for a transaction order; and generating a payment clearing request under the condition that the payment mode selected by the target client is to carry out payment clearing in the target area.

In this embodiment, the target customer purchases the commodity at the merchant e-commerce platform, selects the local clearing code payment, and submits the payment request to the overseas personal electronic payment cash register after the e-commerce platform generates the transaction order, and the overseas personal electronic payment registers and stores the transaction order. The target client can select the payment mode of the transaction order, and when the payment mode selected by the target client is the payment clearing in the target area, a payment clearing request for the payment clearing in the target area is generated, so that the technical effect of improving the client group of the target merchant in the overseas area is realized.

FIG. 2 is a schematic view of an alternative checkout counter according to an embodiment of the invention, as shown in FIG. 2: the method comprises the steps that a customer purchases goods on a merchant electronic commerce platform, local clearing code payment is selected, the electronic commerce platform generates an order and submits a payment request to an overseas personal electronic payment cash register, and the overseas personal electronic payment register stores the order; the foreign personal electronic payment generates a local clearing payment receipt code, and the client scans the two-dimensional code and initiates the current clearing remittance through the remittance travel system. After the payment/remittance processing is completed, the overseas personal electronic payment updates the order payment state, displays a payment success page, and informs the merchant of the payment result.

The embodiment also provides an optional local clearing code payment mode, and the target financial institution overseas branch financial institution is a participation line of local clearing, and the merchant signs the local clearing agreement at the target financial institution. FIG. 3 is a flow chart of an alternative local clearing scan payment, as shown in FIG. 3, with a customer selecting a local clearing scan payment at a checkout counter, in accordance with an embodiment of the present invention; the overseas personal electronic payment calls an overseas deposit interface to inquire the local clearing protocol of the merchant, and generates a collection code according to order information and protocol information according to the local clearing code system specification; the customer scans the two-dimension code, and the payment request reaches the assembly line. The assembly line sends out the assembly message, and the assembly message is forwarded to the target financial institution through the local-center processing. The method comprises the steps of carrying out incoming message processing through an overseas deposit application, and finally calling an overseas deposit application interface to finish merchant account entry processing; the off-line deposit application adds a transaction element data packet to the flow platform after finishing the business account entry, and the off-line personal electronic payment realizes the flow service on the flow platform, recognizes the local clearing transaction according to the specific data condition, and calls an off-line personal electronic payment account notification interface. After receiving account notification, the overseas personal electronic payment updates the order state, displays a successful payment page for the client, and notifies the merchant of account results.

Through the embodiment, the local clearing code payment can be integrated to the overseas cash register, and the characteristics of instant clearing and high localization degree are utilized, so that the method is favorable for attracting and accumulating individual users and improving the mobile payment level and influence of a target financial institution in a designated area. The method is beneficial to the low-cost fund deposition of the clients of the financial institutions in the target financial institutions, promotes the excavation and conversion of the cross-border transaction settlement business of the e-commerce platform, and forms the characteristic advantages of the overseas institutions. By aggregating the general format of local clearing code payment to the cash desk, various overseas institutions of the target financial institution can be quickly adapted, the development period is shortened, and the market is quickly preempted.

Example two

An embodiment II of the present application provides an optional transaction order processing device, where each implementation unit in the processing device corresponds to each implementation step in the embodiment I.

FIG. 4 is a schematic diagram of an alternative transaction order processing device, as shown in FIG. 4, according to an embodiment of the invention, including: a first generating unit 41, a first processing unit 42, a second generating unit 43, a second processing unit 44.

Specifically, the first generating unit 41 is configured to generate, in response to a payment clearing request, a target checkout code based on transaction order information and a target agreement of a target payment transaction, where the payment clearing request is a request for performing funds payment and funds clearing on the target payment transaction in a target area, the target payment transaction is a payment transaction generated by purchasing goods by a target customer at a target merchant of the e-commerce platform, the target customer is a customer in an overseas area outside the target area, and the target agreement is a clearing agreement of the payment transaction in the target area;

The first processing unit 42 is configured to generate a funds payment request based on the target payment code, and send the funds payment request to the first financial institution, where the first financial institution generates an outgoing message after receiving the funds payment request, and the outgoing message includes at least: the method comprises the steps of collecting funds data of target funds of target customers at a first financial institution, wherein the target funds are funds of target customers for purchasing goods at target merchants;

a second generating unit 43, configured to perform clearing processing on the outgoing message at a second financial institution, and generate an incoming message, where the second financial institution is a financial institution in the target area;

the second processing unit 44 is configured to transfer the target funds of the target customer at the first financial institution to the funds account of the target merchant based on the transfer message.

In the processing device for a transaction order provided in the second embodiment of the present application, a target payment code may be generated by a first generating unit 41 in response to a payment clearing request, based on transaction order information and a target agreement of a target payment transaction, where the payment clearing request is a request for performing funds payment and funds clearing on the target payment transaction in a target area, the target payment transaction is a payment transaction generated by a target customer purchasing goods at a target merchant of an e-commerce platform, the target customer is a customer in an overseas area outside the target area, and the target agreement is a clearing agreement of the payment transaction in the target area, and the processing device is configured to generate, by a first processing unit 42, the funds payment request based on the target payment code and send the funds payment request to a first financial institution, where the first financial institution generates a summary message after receiving the funds payment request, and the summary message at least includes: and collecting the fund data of the target customer at the first financial institution, wherein the target fund is the fund of the target customer purchasing goods at the target merchant, and collecting the collected information at a second financial institution through a second generating unit 43 to generate a collecting information, wherein the second financial institution is the financial institution of the target area, and collecting the target fund of the target customer at the first financial institution to the fund account of the target merchant through a second processing unit 44 based on the collecting information. Further, the technical problem that foreign clients in the related art are difficult to pay off locally, and the clearing effect is poor is solved. In this embodiment, the payment receipt is generated through the transaction order information and the target protocol, and the payment clearing process is performed in the target area through the remittance message and the remittance message generated by the financial institution, so that the situation that the local payment clearing mode cannot be used when the commodity is purchased from the e-commerce platform outdoors is avoided, and the technical effect that the clearing efficiency of the local clearing mode is adopted by the user who purchases the commodity outdoors is realized.

Optionally, in the processing device for a trade order provided in the second embodiment of the present application, the processing device for a trade order further includes an obtaining unit, configured to obtain, based on the payment clearing request, an overseas deposit interface before generating the target checkout code based on the trade order information and the target agreement of the target payment transaction; and the inquiring unit is used for calling the overseas deposit interface to inquire a clearing protocol signed with the target merchant.

Optionally, in the processing device for a trade order provided in the second embodiment of the present application, the first generating unit includes: the acquisition subunit is used for acquiring code system specification information of the collection code of the target area; and the generating subunit is used for generating a target cash-out code based on the code system specification information, the transaction order information and the target agreement.

Optionally, in the transaction order processing device provided in the second embodiment of the present application, the transaction order processing device further includes: the identification unit is used for identifying the target payment transaction through the stream data processing platform based on the preset data condition after generating a payment request fund payment request based on the target cash register and sending the payment request fund payment request to the first financial institution, wherein the stream data processing platform is used for processing stream data in the fund transaction process; and the determining unit is used for determining that the transaction result of the target payment transaction is successful and updating the order state of the target payment transaction under the condition that the transaction data of the target payment transaction are identified.

Optionally, in the transaction order processing device provided in the second embodiment of the present application, the transaction order processing device further includes: the updating unit is used for calling the payment to account notification interface after determining that the transaction result of the target payment transaction is successful, and updating the transaction order state of the target payment transaction; and the display unit is used for displaying a payment success prompt interface to the target client after updating the transaction order state of the target payment transaction and sending a fund account notification to the target merchant.

Optionally, in the processing device for a trade order provided in the second embodiment of the present application, the second processing unit includes: the processing subunit is used for processing the incoming message through the overseas deposit application to obtain the incoming fund data; and the fund importing subunit is used for invoking the overseas deposit interface to sink the target fund into the fund account of the target merchant based on the imported fund data.

Optionally, in the transaction order processing device provided in the second embodiment of the present application, the transaction order processing device further includes: a receiving unit for receiving a transaction request generated when the target customer purchases the commodity of the target merchant before responding to the payment clearing request, and generating a transaction order based on the transaction request; a payment mode acquisition unit for acquiring a payment mode of the target customer for selecting the transaction order; and the clearing request generation unit is used for generating a payment clearing request when the payment mode selected by the target client is to carry out payment clearing in the target area.

The processing device for transaction orders may further include a processor and a memory, where the first generating unit 41, the first processing unit 42, the second generating unit 43, the second processing unit 44, and the like are stored as program units in the memory, and the processor executes the program units stored in the memory to implement corresponding functions.

The processor includes a kernel, and the kernel fetches a corresponding program unit from the memory. The core can set one or more than one core, generates a cash register through transaction order information and a target protocol by adjusting core parameters, and performs payment clearing processing in a target area through an output message and an input message generated by a financial institution, so that the situation that a local payment clearing mode cannot be used when goods are purchased from an e-commerce platform outdoors is avoided, and the technical effect that a user buying goods outdoors adopts the clearing efficiency of the local clearing mode is achieved.

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), which includes at least one memory chip.

According to another aspect of the embodiment of the present invention, there is also provided an electronic device, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the method of processing a trade order of any of the above via execution of the executable instructions.

According to another aspect of the embodiment of the present invention, there is also provided a computer readable storage medium storing a computer program, where the computer program when executed controls a device in which the computer readable storage medium is located to execute the method for processing a transaction order of any one of the above.

Fig. 5 is a schematic diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 5, an electronic device 50 is provided in an embodiment of the present invention, where the electronic device includes a processor, a memory, and a program stored on the memory and executable on the processor, and the processor implements a method for processing a transaction order according to any one of the above when executing the program.

The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.

In the foregoing embodiments of the present invention, the descriptions of the embodiments are emphasized, and for a portion of this disclosure that is not described in detail in this embodiment, reference is made to the related descriptions of other embodiments.

In the several embodiments provided in the present application, it should be understood that the disclosed technology content may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of the units, for example, may be a logic function division, and may be implemented in another manner, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some interfaces, units or modules, or may be in electrical or other forms.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied essentially or in part or all of the technical solution or in part in the form of a software product stored in a storage medium, including instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.

The foregoing is merely a preferred embodiment of the present invention and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present invention, which are intended to be comprehended within the scope of the present invention.

Claims (10)

1. A method of processing a trade order, comprising:

generating a target cash register code based on transaction order information and a target agreement of a target payment transaction in response to a payment clearing request, wherein the payment clearing request is a request for performing fund payment and fund clearing on the target payment transaction in a target area, the target payment transaction is generated by a target client for purchasing goods at a target merchant of an electronic commerce platform, the target client is a client in an overseas area outside the target area, and the target agreement is a clearing agreement of the payment transaction in the target area;

generating a fund payment request based on the target cash register, and sending the fund payment request to a first financial institution, wherein the first financial institution generates an outgoing message after receiving the fund payment request, and the outgoing message at least comprises: funds data of the target customer which are collected from the target funds of the first financial institution, wherein the target funds are funds of the target customer for purchasing goods at the target merchant;

clearing the remitted message at a second financial institution to generate an remitted message, wherein the second financial institution is a financial institution in the target area;

And based on the afflux message, the target funds of the target client in the first financial institution are affluxed into a funds account of the target merchant.

2. The method of claim 1, wherein prior to generating the target checkout code based on the transaction order information and the target agreement for the target payment transaction, the method further comprises:

acquiring an overseas deposit interface based on the payment clearing request;

and calling the overseas deposit interface to inquire a clearing protocol signed with the target merchant.

3. The method of claim 1, wherein generating a target checkout code based on the transaction order information and the target agreement for the target payment transaction comprises:

code system specification information of the collection code of the target area is obtained;

the target checkout code is generated based on the code specification information, the transaction order information, and the target agreement.

4. The method of claim 1, wherein after generating a funds payment request based on the target checkout code and transmitting the funds payment request to a first financial institution, comprising:

Identifying the target payment transaction through a stream data processing platform based on preset data conditions, wherein the stream data processing platform is used for processing stream data in the fund transaction process;

and under the condition that the transaction data of the target payment transaction are identified, determining that the transaction result of the target payment transaction is successful, and updating the order state of the target payment transaction.

5. The method of claim 4, wherein,

after determining that the transaction result of the target payment transaction is successful, invoking a payment to account notification interface to update the transaction order state of the target payment transaction;

and after updating the transaction order state of the target payment transaction, displaying a payment success prompt interface to the target client, and sending a fund account notification to the target merchant.

6. The method of claim 1, wherein the step of importing the target funds of the target customer at the first financial institution to the funds account of the target merchant based on the import message, further comprises:

processing the incoming message through an overseas deposit application to obtain incoming fund data;

And calling an overseas deposit interface to sink the target funds into a funds account of the target merchant based on the remittance funds data.

7. The method of claim 1, comprising, prior to responding to the payment clearing request:

receiving a transaction request generated when the target client purchases the commodity of the target merchant, and generating a transaction order based on the transaction request;

acquiring a selected payment mode of the transaction order by the target client;

and generating the payment clearing request under the condition that the payment mode selected by the target client is to carry out payment clearing in the target area.

8. A transaction order processing device, comprising:

the system comprises a first generation unit, a second generation unit and a third generation unit, wherein the first generation unit is used for responding to a payment clearing request, and generating a target cash register based on transaction order information and a target agreement of a target payment transaction, wherein the payment clearing request is a request for carrying out fund payment and fund clearing on the target payment transaction in a target area, the target payment transaction is generated by purchasing goods at a target merchant of an electronic commerce platform by a target client, the target client is a client in an overseas area outside the target area, and the target agreement is a clearing agreement of the payment transaction in the target area;

The first processing unit is configured to generate a funds payment request based on the target payment code, and send the funds payment request to a first financial institution, where the first financial institution generates an outgoing message after receiving the funds payment request, and the outgoing message at least includes: funds data of the target customer which are collected from the target funds of the first financial institution, wherein the target funds are funds of the target customer for purchasing goods at the target merchant;

the second generation unit is used for carrying out clearing processing on the remitted message at a second financial institution to generate an remitted message, wherein the second financial institution is a financial institution of the target area;

and the second processing unit is used for converging the target funds of the target client in the first financial institution into the funds account of the target merchant based on the converging message.

9. A computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and wherein the computer program when run controls a device in which the computer readable storage medium is located to perform the method of processing a trade order according to any one of claims 1 to 7.

10. An electronic device comprising one or more processors and a 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 method of processing a trade order of any of claims 1 to 7.

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