CN116228414A - Transaction processing method and device, processor and electronic equipment - Google Patents

Abstract

The application discloses a transaction processing method and device, a processor and electronic equipment, and relates to the field of financial science and technology. The method comprises the following steps: acquiring a transaction to be audited based on a rule engine; analyzing the transaction to be audited to obtain transaction data corresponding to the transaction; determining a target rule for auditing the transaction according to the transaction to be audited, wherein the target rule is set according to at least one check point for checking the transaction, and each check point is used for checking different contents of the transaction; and auditing the transaction according to the transaction data and the target rule. According to the method and the device for checking the transaction, the problem that in the related art, if the check point for checking the transaction changes, the check mechanism needs to be modified first and then the transaction is checked, so that the efficiency of checking the transaction is low is solved.

Description

Transaction processing method and device, processor and electronic equipment

Technical Field

The present application relates to the field of financial science and technology, and in particular, to a transaction processing method and apparatus, a processor, and an electronic device.

Background

At present, the supervision requirements on transactions are more and more comprehensive and the strength is higher, and the standards of financial institutions for customer service are gradually improved, so that more and more check points exist in the system. In the related art, when new supervision requirements or new service lifting requirements need to be added with new checkpoints, analysis is needed to be performed on the new checkpoints, and new checking mechanisms are realized by modifying the original programs, however, the aging requirements of the requirements are higher and higher, and the implementation mechanisms in the related art have longer periods and are not flexible enough.

Aiming at the problem that in the related art, when checking the transaction, if the check point for checking the transaction changes, the checking mechanism needs to be modified first, and then the transaction is checked, so that the efficiency of checking the transaction is lower, no effective solution is proposed at present.

Disclosure of Invention

The main purpose of the present application is to provide a transaction processing method and apparatus, a processor and an electronic device, so as to solve the problem in the related art that when checking a transaction, if a check point for checking the transaction changes, the checking mechanism needs to be modified first, and then the transaction is checked, so that the efficiency of checking the transaction is low.

To achieve the above object, according to one aspect of the present application, there is provided a transaction processing method. The method comprises the following steps: acquiring a transaction to be audited based on a rule engine; analyzing the transaction to be checked to obtain transaction data corresponding to the transaction; determining a target rule for auditing the transaction according to the transaction to be audited, wherein the target rule is set according to at least one check point for checking the transaction, and each check point is used for checking different contents of the transaction; and auditing the transaction according to the transaction data and the target rule.

Further, the target rule at least includes a first rule and a second rule, the first rule has a higher influence on the transaction than the second rule, and the auditing process for the transaction according to the transaction data and the target rule includes: judging whether the transaction data triggers any one rule of the first rules and all rules of the second rules; if the transaction data triggers any one rule of the first rules and all rules of the second rules, the transaction data indicates that the transaction needs to be subjected to auditing processing; and if the transaction data does not trigger any one rule of the first rules and all rules of the second rules, the transaction data does not need to be subjected to auditing processing, and the transaction processing is determined to be successful.

Further, after the transaction data triggers any one rule of the first rules and all rules of the second rules, the method further includes: according to any one rule of the first rules and all rules of the second rules, auditing the transaction to obtain a first processing result; a second processing result for the transaction is determined based on the first processing result.

Further, determining a second processing result for the transaction based on the first processing result includes: if the first processing result indicates that the transaction passes the auditing processing, determining that the second processing result is successful in the transaction processing; and if the first processing result indicates that the transaction does not pass the auditing processing, determining that the second processing result is the transaction processing failure.

Further, before determining the target rule for auditing the transaction according to the transaction to be audited, the method further comprises: acquiring an initial rule for auditing the transaction; determining whether a checkpoint for checking the transaction has changed; and if the check point for checking the transaction changes, processing the initial rule to obtain a third rule.

Further, after processing the initial rule to obtain a third rule if a checkpoint for checking the transaction changes, the method further includes: acquiring a first rule and a second rule in the third rule; determining a relationship between the transaction and the first rule and a relationship between the transaction and the second rule; constructing a rule base based on the first rule, the second rule, the relationship between the transaction and the first rule, and the relationship between the transaction and the second rule; and determining the target rule from the rule base.

Further, after conducting the auditing process on the transaction according to the transaction data and the target rule, the method further comprises: obtaining a processing result corresponding to the transaction; and storing the processing results corresponding to the transaction into a database so as to inquire the processing results corresponding to the transaction in the database.

To achieve the above object, according to another aspect of the present application, there is provided a transaction processing apparatus. The device comprises: the first acquisition unit is used for acquiring the transaction to be audited based on the rule engine; the first analysis unit is used for analyzing the transaction to be checked to obtain transaction data corresponding to the transaction; a first determining unit configured to determine, according to the transaction to be checked, a target rule for checking the transaction, where the target rule is set according to at least one check point for checking the transaction, and each check point is used to check different contents of the transaction; and the first processing unit is used for auditing the transaction according to the transaction data and the target rule.

Further, the target rule includes at least a first rule and a second rule, the first rule having a higher degree of influence on the transaction than the second rule, the first processing unit including: the first judging module is used for judging whether the transaction data triggers any one rule of the first rules and all rules of the second rules; the first determining module is used for indicating that the transaction needs to be subjected to auditing processing if the transaction data triggers any one rule of the first rules and all rules of the second rules; and the second determining module is used for determining that the transaction processing is successful if the transaction data does not trigger any one rule of the first rules and all rules of the second rules, which indicate that the transaction does not need to be subjected to the auditing processing.

Further, the apparatus further comprises: the second processing unit is used for carrying out auditing processing on the transaction according to any one rule in the first rule and all rules in the second rule after the transaction data trigger any one rule in the first rule and all rules in the second rule, so as to obtain a first processing result; and a second determining unit configured to determine a second processing result for the transaction based on the first processing result.

Further, the second determining unit includes: the third determining module is used for determining that the second processing result is that the transaction processing is successful if the first processing result indicates that the transaction passes the auditing processing; and the fourth determining module is used for determining that the second processing result is the transaction processing failure if the first processing result indicates that the transaction does not pass the auditing processing.

Further, the apparatus further comprises: the second acquisition unit is used for acquiring an initial rule for auditing the transaction before determining a target rule for auditing the transaction according to the transaction to be audited; a first judging unit for judging whether a check point for checking the transaction is changed; and the third processing unit is used for processing the initial rule to obtain a third rule if the check point for checking the transaction changes.

Further, the apparatus further comprises: a third obtaining unit, configured to, if a check point for checking the transaction changes, process the initial rule to obtain a third rule, and then obtain a first rule and a second rule in the third rule; a third determining unit configured to determine a relationship between the transaction and the first rule and a relationship between the transaction and the second rule; a first construction unit configured to construct a rule base based on the first rule, the second rule, a relationship between the transaction and the first rule, and a relationship between the transaction and the second rule; and the fourth determining unit is used for determining the target rule from the rule base.

Further, the apparatus further comprises: a fourth obtaining unit, configured to obtain a processing result corresponding to the transaction after performing audit processing on the transaction according to the transaction data and the target rule; the first storage unit is used for storing the processing results corresponding to the transaction into a database so as to inquire the processing results corresponding to the transaction in the database.

To achieve the above object, according to another aspect of the present application, there is provided a processor for executing a program, wherein the program executes a processing method of any one of the transactions described above.

To achieve the above object, according to another aspect of the present application, there is provided an electronic device including 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 transaction as set forth in any one of the above.

Through the application, the following steps are adopted: acquiring a transaction to be audited based on a rule engine; analyzing the transaction to be audited to obtain transaction data corresponding to the transaction; determining a target rule for auditing the transaction according to the transaction to be audited, wherein the target rule is set according to at least one check point for checking the transaction, and each check point is used for checking different contents of the transaction; according to the transaction data and the target rules, the transaction is audited, and the problem that in the related art, when the transaction is audited, if the check point for checking the transaction changes, the checking mechanism needs to be modified first, and then the transaction is audited, so that the efficiency of the transaction is low is solved. The method comprises the steps of analyzing the acquired transaction to be audited to obtain transaction data corresponding to the transaction, determining target rules set according to checkpoints of different contents of the checked transaction, and auditing the transaction according to the transaction data and the target rules, so that the effect of improving the efficiency of the audit transaction if the checkpoints of the checked transaction change during the audit transaction is achieved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application, illustrate and explain the application and are not to be construed as limiting the application. In the drawings:

FIG. 1 is a flow chart of a method of processing transactions provided in accordance with an embodiment of the present application;

FIG. 2 is a flow chart diagram I of a method of processing transactions provided in accordance with an embodiment of the present application;

FIG. 3 is a flow chart of an alternative transaction processing method provided in accordance with an embodiment of the present application;

FIG. 4 is a schematic diagram of a transaction processing device provided in accordance with an embodiment of the present application;

fig. 5 is a schematic diagram of an electronic device provided according to an embodiment of the present application.

Detailed Description

It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.

In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of the present application 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 in order to describe the embodiments of the present application 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, 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.

The invention will now be described in connection with preferred embodiments, and FIG. 1 is a flow chart of a method of processing transactions provided in accordance with an embodiment of the present application, as shown in FIG. 1, comprising the steps of:

step S101, obtaining a transaction to be audited based on a rule engine.

For example, the transaction to be audited is obtained by a rules engine.

Step S102, analyzing the transaction to be audited to obtain transaction data corresponding to the transaction.

For example, the rules engine parses relevant data (transaction data described above) for transactions to be audited.

Step S103, determining target rules for auditing the transaction according to the transaction to be audited, wherein the target rules are set according to at least one check point for checking the transaction, and each check point is used for checking different contents of the transaction.

For example, the rule engine obtains the auditing rule (the target rule) related to the transaction to be audited, and if the monitoring requirement, the service promotion requirement and the like are changed, for example, a new check point needs to be added, and the auditing rule is adjusted simultaneously. In addition, checkpoints may be to check the time of initiation of the transaction, the amount of the transaction, the type of transaction, and the like.

And step S104, auditing the transaction according to the transaction data and the target rule.

For example, the rules engine audits transactions according to audit rules and transaction data.

Through the steps S101 to S104, the obtained transaction to be audited is analyzed to obtain the transaction data corresponding to the transaction, the target rule set according to the check points of different contents of the checked transaction is determined, and then the transaction is audited according to the transaction data and the target rule, so that the effect of improving the efficiency of the audit transaction if the check points of the checked transaction change during the audit transaction is achieved.

Fig. 2 is a flowchart of a transaction processing method provided according to an embodiment of the present application, as shown in fig. 2, in the transaction processing method provided by the embodiment of the present application, before determining, according to a transaction to be audited, a target rule for auditing the transaction, the method further includes:

step S201, obtaining an initial rule for auditing a transaction;

step S202, judging whether the check point for checking the transaction is changed or not;

in step S203, if the check point for checking the transaction changes, the initial rule is processed to obtain a third rule.

For example, according to regulatory requirements, service promotion requirements, and the like, an initial audit rule (the initial rule described above) may be flexibly set for each transaction; if the supervision requirement and the service promotion requirement change, that is, the check point for checking the transaction also changes, the rule can be newly added or the existing initial audit rule can be adjusted and deleted according to the corresponding requirement, so as to obtain the adjusted rule (the third rule).

Through the scheme, the changed auditing rule can be obtained rapidly and accurately.

In order to quickly and accurately determine the target rule, in the transaction processing method provided by the embodiment of the application, the target rule may also be determined by the following steps: acquiring a first rule and a second rule in the third rule; determining a relationship between the transaction and the first rule and a relationship between the transaction and the second rule; constructing a rule base based on the first rule, the second rule, the relation between the transaction and the first rule and the relation between the transaction and the second rule; the target rule is determined from a rule base.

For example, the auditing rule engine imports a preset auditing rule into a transaction and single auditing rule relationship; the auditing rule engine imports preset auditing rules into the relation between the transaction and the combined auditing rules; the auditing rule engine imports a preset auditing rule into single auditing rule details; and the auditing rule engine imports the preset auditing rule into the combined auditing rule details, and then obtains a rule base.

Moreover, the above single rule (the above first rule) refers to a set rule, each of which is triggered, and further auditing of the related content is required; the above-mentioned combination rule (the above-mentioned second rule) refers to a rule set, and when a plurality of rules are triggered at the same time, further auditing of the related content is required, and if only a part is triggered, auditing of the related content is not required. For example, a single rule may be: the customer is in a special state (such as expiration of credentials, etc.), the account is in a special state (such as a frozen user, etc.); the combining rule may be: customers are large customers and customers have complaints.

By the scheme, the rule base containing various auditing rules can be quickly and accurately constructed.

In order to rapidly and accurately audit the transaction, in the transaction processing method provided by the embodiment of the application, the transaction can be audited through the following steps: the target rule at least comprises a first rule and a second rule, the influence degree of the first rule on the transaction is higher than that of the second rule on the transaction, and whether transaction data trigger any one rule in the first rule and all rules in the second rule is judged; if the transaction data triggers any one rule of the first rules and all rules of the second rules, the transaction data indicates that the transaction needs to be checked; if the transaction data does not trigger any one rule of the first rules and all rules of the second rules, the transaction data indicates that the transaction does not need to be subjected to auditing processing, and the transaction processing is determined to be successful.

For example, the auditing rule engine invokes an auditing rule judging module to judge the transaction data according to the auditing rule, if any one rule in the single rule is not triggered and all rules in the combination rule are not triggered (namely, some rules in the combination rule are triggered or one rule in the combination rule is not triggered), the transaction is directly successful if the auditing is not needed at this time, if any one rule in the single rule and all rules in the combination rule are triggered, the transaction is required to be audited, and the prompt is carried out at a transaction interface.

By the scheme, whether the result of the transaction is to be checked or not can be rapidly and accurately determined.

In order to quickly and accurately determine a processing result of a transaction, in the processing method of a transaction provided in the embodiment of the present application, the processing result of the transaction may also be determined by: according to any one rule in the first rule and all rules in the second rule, auditing the transaction to obtain a first processing result; based on the first processing result, a second processing result for the transaction is determined.

For example, the transaction may be audited according to the triggered single rule and the combined rule, and the processing result of the transaction may be determined according to the auditing result.

By the scheme, the transaction processing result can be obtained rapidly and accurately.

In order to quickly and accurately determine a processing result of a transaction, in the processing method of a transaction provided in the embodiment of the present application, the processing result of the transaction may also be determined by: if the first processing result indicates that the transaction passes the auditing processing, determining that the second processing result is successful in transaction processing; if the first processing result indicates that the transaction does not pass the auditing processing, determining that the second processing result is the transaction processing failure.

For example, if the result of the audit of the transaction indicates that the transaction passes the audit, the transaction is released, indicating that the transaction processing was successful; if the result of the audit on the transaction indicates that the transaction does not pass the audit, the transaction is refused to be processed, and the transaction processing is failed.

By the scheme, the processing result of the transaction can be rapidly and accurately determined according to the auditing result of the transaction.

In order to quickly and accurately query the processing result corresponding to the transaction, in the processing method of the transaction provided by the embodiment of the application, the processing result corresponding to the transaction can be queried through the following steps: obtaining a processing result corresponding to the transaction; and storing the processing results corresponding to the transaction into a database so as to inquire the processing results corresponding to the transaction in the database.

For example, the audit rules engine may invoke an audit result processing module to record the processing results of the transaction and may store the processing results of the transaction to a database.

By the scheme, the processing result of the transaction can be conveniently inquired.

For example, fig. 3 is a flowchart of an alternative transaction processing method provided according to an embodiment of the present application, and as shown in fig. 3, the alternative transaction processing method includes the following steps:

1. Audit rule initial setup

(1) An audit rule maintainer in a financial institution flexibly sets an initial audit rule for each counter transaction (the counter transaction can be the counter transaction) according to supervision requirements, service lifting requirements and the like;

(2) If the supervision requirements, the service lifting requirements and the like are changed, the auditing rule maintainer in the financial institution can add the rules or adjust and delete the existing rules according to the corresponding requirements;

(3) The auditing rule engine imports auditing rules set by auditing rule maintenance personnel in the financial institution into the relationship between counter transaction and single auditing rules;

(4) The auditing rule engine imports auditing rules set by auditing rule maintenance personnel in the financial institution into the relationship between counter transaction and combined auditing rules;

(5) The auditing rule engine imports auditing rules set by auditing rule maintainers in the financial institution into single auditing rule details;

(6) The auditing rule engine imports auditing rules set by auditing rule maintainers in the financial institution into the combined auditing rule details;

2. customer transactions

(7) The transaction teller transacts business for the customer;

(8) The auditing rule engine calls a transaction data analysis module to analyze the related data of the transaction;

(9) The auditing rule engine calls an auditing rule acquisition module to acquire auditing rules related to the transaction;

(10) The auditing rule engine calls an auditing rule judging module to judge the transaction data according to the auditing rule, if the auditing rule is not needed, the transaction is directly successful, and if the auditing rule is needed, the transaction interface is prompted;

(11) The auditing teller audits the transaction and can release or reject the transaction according to the business rules;

(12) And the auditing rule engine calls an auditing result processing module to record the processing result of the auditing teller.

The method solves the problem that the original implementation mechanism cannot be realized quickly under the conditions that the monitoring requirements and the customer service promotion requirements are more and more comprehensive, the strength and the timeliness are higher and higher, effectively expands and perfects the existing functions, and provides the device and the method which are simple to implement and low in implementation cost.

In summary, according to the transaction processing method provided by the embodiment of the application, the transaction to be audited is obtained through a rule engine; analyzing the transaction to be audited to obtain transaction data corresponding to the transaction; determining a target rule for auditing the transaction according to the transaction to be audited, wherein the target rule is set according to at least one check point for checking the transaction, and each check point is used for checking different contents of the transaction; according to the transaction data and the target rules, the transaction is audited, and the problem that in the related art, when the transaction is audited, if the check point for checking the transaction changes, the checking mechanism needs to be modified first, and then the transaction is audited, so that the efficiency of the transaction is low is solved. The method comprises the steps of analyzing the acquired transaction to be audited to obtain transaction data corresponding to the transaction, determining target rules set according to checkpoints of different contents of the checked transaction, and auditing the transaction according to the transaction data and the target rules, so that the effect of improving the efficiency of the audit transaction if the checkpoints of the checked transaction change during the audit transaction is achieved.

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 other than that illustrated herein.

The embodiment of the application also provides a transaction processing device, and the transaction processing device of the embodiment of the application can be used for executing the transaction processing method provided by the embodiment of the application. The following describes a transaction processing device provided in an embodiment of the present application.

Fig. 4 is a schematic diagram of a transaction processing device according to an embodiment of the present application. As shown in fig. 4, the apparatus includes: a first acquisition unit 401, a first parsing unit 402, a first determination unit 403, and a first processing unit 404.

Specifically, the first obtaining unit 401 is configured to obtain a transaction to be audited based on a rule engine;

a first parsing unit 402, configured to parse a transaction to be audited to obtain transaction data corresponding to the transaction;

a first determining unit 403 for determining, according to a transaction to be audited, a target rule for auditing the transaction, wherein the target rule is set according to at least one check point for checking the transaction, each check point being for checking a different content of the transaction;

The first processing unit 404 is configured to perform audit processing on the transaction according to the transaction data and the target rule.

In summary, the transaction processing device provided in the embodiment of the present application acquires, by the first acquiring unit 401, a transaction to be audited based on a rule engine; the first analysis unit 402 analyzes the transaction to be audited to obtain transaction data corresponding to the transaction; the first determining unit 403 determines a target rule for auditing the transaction according to the transaction to be audited, wherein the target rule is set according to at least one check point for checking the transaction, each check point being for checking a different content of the transaction; the first processing unit 404 performs auditing processing on the transaction according to the transaction data and the target rule, so as to solve the problem of low efficiency of auditing the transaction caused by modifying the checking mechanism and auditing the transaction when the checking point for checking the transaction changes in the related art. The method comprises the steps of analyzing the acquired transaction to be audited to obtain transaction data corresponding to the transaction, determining target rules set according to checkpoints of different contents of the checked transaction, and auditing the transaction according to the transaction data and the target rules, so that the effect of improving the efficiency of the audit transaction if the checkpoints of the checked transaction change during the audit transaction is achieved.

Optionally, in the transaction processing device provided in the embodiment of the present application, the target rule includes at least a first rule and a second rule, the first rule has a higher influence on the transaction than the second rule, and the first processing unit includes: the first judging module is used for judging whether the transaction data triggers any one rule of the first rules and all rules of the second rules; the first determining module is used for indicating that the transaction needs to be subjected to auditing processing if the transaction data triggers any one rule of the first rules and all rules of the second rules; and the second determining module is used for indicating that the transaction does not need to be subjected to auditing processing if the transaction data does not trigger any rule in the first rule and all rules in the second rule, and determining that the transaction processing is successful.

Optionally, in the transaction processing device provided in the embodiment of the present application, the device further includes: the second processing unit is used for carrying out auditing processing on the transaction according to any one rule in the first rule and all rules in the second rule after the transaction data trigger any one rule in the first rule and all rules in the second rule, so as to obtain a first processing result; and a second determining unit configured to determine a second processing result for the transaction based on the first processing result.

Optionally, in the transaction processing device provided in the embodiment of the present application, the second determining unit includes: the third determining module is used for determining that the second processing result is successful in transaction processing if the first processing result indicates that the transaction passes the auditing processing; and the fourth determining module is used for determining that the second processing result is the transaction processing failure if the first processing result indicates that the transaction does not pass the auditing processing.

Optionally, in the transaction processing device provided in the embodiment of the present application, the device further includes: the second acquisition unit is used for acquiring an initial rule for auditing the transaction before determining a target rule for auditing the transaction according to the transaction to be audited; a first judging unit for judging whether a check point for checking a transaction is changed; and the third processing unit is used for processing the initial rule to obtain a third rule if the check point for checking the transaction changes.

Optionally, in the transaction processing device provided in the embodiment of the present application, the device further includes: the third acquisition unit is used for processing the initial rule if the check point for checking the transaction changes, and acquiring the first rule and the second rule in the third rule after the third rule is obtained; a third determining unit configured to determine a relationship between the transaction and the first rule and a relationship between the transaction and the second rule; a first construction unit for constructing a rule base based on the first rule, the second rule, the relationship between the transaction and the first rule, and the relationship between the transaction and the second rule; and the fourth determining unit is used for determining the target rule from the rule base.

Optionally, in the transaction processing device provided in the embodiment of the present application, the device further includes: the fourth acquisition unit is used for acquiring a processing result corresponding to the transaction after auditing the transaction according to the transaction data and the target rule; the first storage unit is used for storing the processing results corresponding to the transaction into the database so as to inquire the processing results corresponding to the transaction in the database.

The processing device for transactions includes a processor and a memory, where the first obtaining unit 401, the first analyzing unit 402, the first determining unit 403, the first processing unit 404, and the like are stored as program units, and the processor executes the program units stored in the memory to implement corresponding functions.

The processor includes a kernel, and the kernel fetches the corresponding program unit from the memory. The kernel can be provided with one or more than one, and the efficiency of auditing transactions is improved by adjusting kernel parameters.

The memory may include volatile memory, random Access Memory (RAM), and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), among other forms in computer readable media, the memory including at least one memory chip.

The embodiment of the invention provides a processor which is used for running a program, wherein the processing method of the transaction is executed when the program runs.

As shown in fig. 5, an embodiment of the present invention provides an electronic device, where the device includes a processor, a memory, and a program stored in the memory and executable on the processor, and when the processor executes the program, the following steps are implemented: acquiring a transaction to be audited based on a rule engine; analyzing the transaction to be checked to obtain transaction data corresponding to the transaction; determining a target rule for auditing the transaction according to the transaction to be audited, wherein the target rule is set according to at least one check point for checking the transaction, and each check point is used for checking different contents of the transaction; and auditing the transaction according to the transaction data and the target rule.

The processor also realizes the following steps when executing the program: the target rule at least comprises a first rule and a second rule, the influence degree of the first rule on the transaction is higher than that of the second rule on the transaction, and the auditing processing of the transaction according to the transaction data and the target rule comprises the following steps: judging whether the transaction data triggers any one rule of the first rules and all rules of the second rules; if the transaction data triggers any one rule of the first rules and all rules of the second rules, the transaction data indicates that the transaction needs to be subjected to auditing processing; and if the transaction data does not trigger any one rule of the first rules and all rules of the second rules, the transaction data does not need to be subjected to auditing processing, and the transaction processing is determined to be successful.

The processor also realizes the following steps when executing the program: after the transaction data triggers any one rule of the first rules and all rules of the second rules, the method further comprises: according to any one rule of the first rules and all rules of the second rules, auditing the transaction to obtain a first processing result; a second processing result for the transaction is determined based on the first processing result.

The processor also realizes the following steps when executing the program: based on the first processing result, determining a second processing result for the transaction includes: if the first processing result indicates that the transaction passes the auditing processing, determining that the second processing result is successful in the transaction processing; and if the first processing result indicates that the transaction does not pass the auditing processing, determining that the second processing result is the transaction processing failure.

The processor also realizes the following steps when executing the program: before determining the target rule for auditing the transaction according to the transaction to be audited, the method further comprises: acquiring an initial rule for auditing the transaction; determining whether a checkpoint for checking the transaction has changed; and if the check point for checking the transaction changes, processing the initial rule to obtain a third rule.

The processor also realizes the following steps when executing the program: after processing the initial rule to obtain a third rule if a checkpoint for checking the transaction changes, the method further includes: acquiring a first rule and a second rule in the third rule; determining a relationship between the transaction and the first rule and a relationship between the transaction and the second rule; constructing a rule base based on the first rule, the second rule, the relationship between the transaction and the first rule, and the relationship between the transaction and the second rule; and determining the target rule from the rule base.

The processor also realizes the following steps when executing the program: after conducting the auditing process for the transaction according to the transaction data and the target rules, the method further comprises: obtaining a processing result corresponding to the transaction; and storing the processing results corresponding to the transaction into a database so as to inquire the processing results corresponding to the transaction in the database.

The device herein may be a server, PC, PAD, cell phone, etc.

The present application also provides a computer program product adapted to perform, when executed on a data processing device, a program initialized with the method steps of: acquiring a transaction to be audited based on a rule engine; analyzing the transaction to be checked to obtain transaction data corresponding to the transaction; determining a target rule for auditing the transaction according to the transaction to be audited, wherein the target rule is set according to at least one check point for checking the transaction, and each check point is used for checking different contents of the transaction; and auditing the transaction according to the transaction data and the target rule.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: the target rule at least comprises a first rule and a second rule, the influence degree of the first rule on the transaction is higher than that of the second rule on the transaction, and the auditing processing of the transaction according to the transaction data and the target rule comprises the following steps: judging whether the transaction data triggers any one rule of the first rules and all rules of the second rules; if the transaction data triggers any one rule of the first rules and all rules of the second rules, the transaction data indicates that the transaction needs to be subjected to auditing processing; and if the transaction data does not trigger any one rule of the first rules and all rules of the second rules, the transaction data does not need to be subjected to auditing processing, and the transaction processing is determined to be successful.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: after the transaction data triggers any one rule of the first rules and all rules of the second rules, the method further comprises: according to any one rule of the first rules and all rules of the second rules, auditing the transaction to obtain a first processing result; a second processing result for the transaction is determined based on the first processing result.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: based on the first processing result, determining a second processing result for the transaction includes: if the first processing result indicates that the transaction passes the auditing processing, determining that the second processing result is successful in the transaction processing; and if the first processing result indicates that the transaction does not pass the auditing processing, determining that the second processing result is the transaction processing failure.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: before determining the target rule for auditing the transaction according to the transaction to be audited, the method further comprises: acquiring an initial rule for auditing the transaction; determining whether a checkpoint for checking the transaction has changed; and if the check point for checking the transaction changes, processing the initial rule to obtain a third rule.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: after processing the initial rule to obtain a third rule if a checkpoint for checking the transaction changes, the method further includes: acquiring a first rule and a second rule in the third rule; determining a relationship between the transaction and the first rule and a relationship between the transaction and the second rule; constructing a rule base based on the first rule, the second rule, the relationship between the transaction and the first rule, and the relationship between the transaction and the second rule; and determining the target rule from the rule base.

When executed on a data processing device, is further adapted to carry out a program initialized with the method steps of: after conducting the auditing process for the transaction according to the transaction data and the target rules, the method further comprises: obtaining a processing result corresponding to the transaction; and storing the processing results corresponding to the transaction into a database so as to inquire the processing results corresponding to the transaction in the database.

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

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, etc., such as Read Only Memory (ROM) or flash RAM. 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 storage media for a computer 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 disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

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 one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises an element.

It will be appreciated by those skilled in the art that 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 foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims (10)

1. A method of processing a transaction, comprising:

acquiring a transaction to be audited based on a rule engine;

analyzing the transaction to be checked to obtain transaction data corresponding to the transaction;

determining a target rule for auditing the transaction according to the transaction to be audited, wherein the target rule is set according to at least one check point for checking the transaction, and each check point is used for checking different contents of the transaction;

And auditing the transaction according to the transaction data and the target rule.

2. The method of claim 1, wherein the target rules include at least a first rule and a second rule, the first rule having a higher degree of influence on the transaction than the second rule, and wherein auditing the transaction based on the transaction data and the target rules comprises:

judging whether the transaction data triggers any one rule of the first rules and all rules of the second rules;

if the transaction data triggers any one rule of the first rules and all rules of the second rules, the transaction data indicates that the transaction needs to be subjected to auditing processing;

and if the transaction data does not trigger any one rule of the first rules and all rules of the second rules, the transaction data does not need to be subjected to auditing processing, and the transaction processing is determined to be successful.

3. The method of claim 2, wherein after indicating that the transaction is required to be audited if the transaction data triggers any one of the first rules and all of the second rules, the method further comprises:

According to any one rule of the first rules and all rules of the second rules, auditing the transaction to obtain a first processing result;

a second processing result for the transaction is determined based on the first processing result.

4. A method according to claim 3, wherein determining a second processing result for the transaction based on the first processing result comprises:

if the first processing result indicates that the transaction passes the auditing processing, determining that the second processing result is successful in the transaction processing;

and if the first processing result indicates that the transaction does not pass the auditing processing, determining that the second processing result is the transaction processing failure.

5. The method of claim 1, wherein prior to determining the target rules for auditing the transaction from the transaction to be audited, the method further comprises:

acquiring an initial rule for auditing the transaction;

determining whether a checkpoint for checking the transaction has changed;

and if the check point for checking the transaction changes, processing the initial rule to obtain a third rule.

6. The method of claim 5, wherein after processing the initial rule to obtain a third rule if a checkpoint for checking the transaction changes, the method further comprises:

acquiring a first rule and a second rule in the third rule;

determining a relationship between the transaction and the first rule and a relationship between the transaction and the second rule;

constructing a rule base based on the first rule, the second rule, the relationship between the transaction and the first rule, and the relationship between the transaction and the second rule;

and determining the target rule from the rule base.

7. The method of claim 1, wherein after conducting an audit process on the transaction in accordance with the transaction data and the target rules, the method further comprises:

obtaining a processing result corresponding to the transaction;

and storing the processing results corresponding to the transaction into a database so as to inquire the processing results corresponding to the transaction in the database.

8. A transaction processing device, comprising:

the first acquisition unit is used for acquiring the transaction to be audited based on the rule engine;

The first analysis unit is used for analyzing the transaction to be checked to obtain transaction data corresponding to the transaction;

a first determining unit configured to determine, according to the transaction to be checked, a target rule for checking the transaction, where the target rule is set according to at least one check point for checking the transaction, and each check point is used to check different contents of the transaction;

and the first processing unit is used for auditing the transaction according to the transaction data and the target rule.

9. A processor for running a program, wherein the program when run performs the method of processing a transaction 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 transactions of any of claims 1-7.

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