CN116541864A - Method and device for analyzing and processing public receipt merchant files - Google Patents

Method and device for analyzing and processing public receipt merchant files Download PDF

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Publication number
CN116541864A
CN116541864A CN202310594096.8A CN202310594096A CN116541864A CN 116541864 A CN116541864 A CN 116541864A CN 202310594096 A CN202310594096 A CN 202310594096A CN 116541864 A CN116541864 A CN 116541864A
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China
Prior art keywords
merchant
information
public
transaction
acquiring
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CN202310594096.8A
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Chinese (zh)
Inventor
郑诚
苗存远
马浩哲
周静雯
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Priority to CN202310594096.8A priority Critical patent/CN116541864A/en
Publication of CN116541864A publication Critical patent/CN116541864A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/602—Providing cryptographic facilities or services
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/25—Integrating or interfacing systems involving database management systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
    • G06N20/00—Machine learning
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The invention provides a method and a device for analyzing and processing public receipt merchant files, which relate to the technical fields of artificial intelligence and finance, and the method comprises the following steps: acquiring merchant information of public acquiring merchants and checking the merchant information; capturing key information in the verified data according to the preset field; encrypting key information, and submitting an encrypted data instruction set to a federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism; decrypting the attribute information calculation result, comparing the attribute information calculation result with a preset threshold value, checking the public acquirer according to the comparison result, and establishing a checking-passing public acquirer file; when a customer initiates a transaction request, generating a plurality of transaction modes by using the self-adaptive selection model according to the public receipt merchant file, and processing the transaction request according to the transaction mode selected by the customer.

Description

Method and device for analyzing and processing public receipt merchant files
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to a method and a device for analyzing and processing public receipt merchant files.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, when the banking industry analyzes and processes files of public acquiring merchants, the information of the merchants of the present line can only be analyzed, the mode mainly considers that the information safety can not be ensured due to data sharing, the data formats among different financial institutions can not be unified, and the financial institutions need to preset various conversion rules to adapt to the data of other financial institutions, so that the processing efficiency of the merchant files is low. Therefore, the customer data of different financial institutions are not shared, so that the problems that the past transaction behavior of customers and the collection of the customer information are not fully regulated, a reasonable flow is not set in an analysis processing mode, the analysis processing efficiency of merchant archives is low and the like exist.
In view of the foregoing, a technical solution for analyzing and processing public acquiring merchant files is needed to overcome the above-mentioned drawbacks.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides the method and the device for analyzing and processing the public order-receiving merchant files, which can set reasonable analysis and processing flow under the premise of ensuring the data sharing safety, improve the analysis and processing efficiency of the merchant files and provide powerful technical support for business processing of the public order-receiving merchant.
In a first aspect of the embodiment of the present invention, a method for analyzing and processing a public acquiring merchant profile is provided, including:
acquiring merchant information of a public order merchant, and checking the merchant information of the public order merchant;
capturing key information in the verified data according to the preset field;
encrypting the key information, and submitting the encrypted data instruction set to a federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism;
decrypting the attribute information calculation result, comparing the attribute information calculation result with a preset threshold value, checking the public acquiring bill merchant according to the comparison result, and establishing a checking-passing public acquiring bill merchant file;
when a first customer initiates a transaction request to a public acquiring merchant, generating a plurality of transaction modes by using an adaptive selection model according to the public acquiring merchant file, and processing the transaction request according to the transaction mode selected by the first customer.
In a second aspect of the embodiment of the present invention, a device for analyzing and processing a public acquiring merchant profile is provided, including:
The information processing module is used for acquiring merchant information of the public order merchant and checking the merchant information of the public order merchant;
the information grabbing module is used for grabbing key information in the verified data according to the preset field;
the encryption processing module is used for encrypting the key information and submitting the encrypted data instruction set to the federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism;
the file establishing module is used for decrypting the attribute information calculation result, comparing the attribute information calculation result with a preset threshold value, checking the public acquirer according to the comparison result, and establishing a checking-passed public acquirer file;
and the transaction processing module is used for generating a plurality of transaction modes by utilizing the self-adaptive selection model according to the public acquiring merchant file when the first client initiates the transaction request to the public acquiring merchant, and processing the transaction request according to the transaction mode selected by the first client.
In a third aspect of the embodiment of the present invention, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements a method for analyzing and processing public acquirer archives when the computer program is executed.
In a fourth aspect of the embodiments of the present invention, a computer readable storage medium is provided, where a computer program is stored, where the computer program when executed by a processor implements a method for analyzing and processing public acquirer archives.
In a fifth aspect of embodiments of the present invention, a computer program product is presented, the computer program product comprising a computer program which, when executed by a processor, implements a method for analyzing and processing a public acquirer merchant profile.
The method and the device for analyzing and processing the public order merchant files, provided by the invention, verify merchant information by acquiring the merchant information of the public order merchant; capturing key information in the verified data according to the preset field; encrypting key information, and submitting an encrypted data instruction set to a federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism; decrypting the attribute information calculation result, comparing the attribute information calculation result with a preset threshold value, checking the public acquirer according to the comparison result, and establishing a checking-passing public acquirer file; when a customer initiates a transaction request, generating a plurality of transaction modes by using the self-adaptive selection model according to the public receipt merchant file, and processing the transaction request according to the transaction mode selected by the customer. The federal calculation and self-adaptive selection technology is applied to the merchant order-receiving plate in the field of public payment settlement business in banking industry, so that the intelligent effective identification of public order-receiving merchant files is realized, the problem that when the public order-receiving merchant files are established, the bank cannot acquire risk information of merchants in external environments is solved, dynamic monitoring can be carried out on the order-receiving merchants in the transaction process, and the adaptation selection of the collection accounts adapting to various transaction scenes is provided for the merchants. The invention improves the accuracy and comprehensiveness of banking business on the public order-receiving merchant document information and provides powerful technical support for intelligent business processing of the public order-receiving merchant while providing more flexible and convenient service for the merchant.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart illustrating a method for analyzing and processing public acquirer merchant files according to an embodiment of the invention.
Fig. 2 is a flowchart of a process of calculating a result of attribute information according to an embodiment of the present invention.
FIG. 3 is a flow chart of an adaptive selection process according to an embodiment of the present invention.
FIG. 4 is a flow chart illustrating a process for analyzing a public acquirer merchant profile according to an embodiment of the present invention.
Fig. 5 is a schematic flow chart of a public merchant acquiring transaction payment account adaptive display according to an embodiment of the invention.
FIG. 6 is a schematic diagram of an apparatus for analyzing and processing public acquirer merchant files according to an embodiment of the invention.
FIG. 7 is a schematic diagram of a computer device according to an embodiment of the invention.
Detailed Description
The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are presented merely to enable those skilled in the art to better understand and practice the invention and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
Those skilled in the art will appreciate that embodiments of the invention may be implemented as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the following forms, namely: complete hardware, complete software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, a method and a device for analyzing and processing public receipt merchant files are provided, and the method and the device relate to the technical field of artificial intelligence.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments thereof.
FIG. 1 is a flowchart illustrating a method for analyzing and processing public acquirer merchant files according to an embodiment of the invention. As shown in fig. 1, the method includes:
s101, acquiring merchant information of a public order merchant, and checking the merchant information of the public order merchant;
s102, capturing key information in verified data according to a preset field;
s103, encrypting the key information, and submitting the encrypted data instruction set to a federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism;
S104, decrypting the attribute information calculation result, comparing the attribute information calculation result with a preset threshold value, checking the public acquirer according to the comparison result, and establishing a checked public acquirer file;
s105, when a first customer initiates a transaction request to a public acquiring merchant, generating a plurality of transaction modes by utilizing an adaptive selection model according to the public acquiring merchant file, and processing the transaction request according to the transaction mode selected by the first customer.
In the embodiment of the invention, the public receipt merchant archive analysis processing method comprises the following steps of: acquiring merchant information of a public order merchant, and checking the merchant information of the public order merchant; capturing key information in the verified data according to the preset field; encrypting the key information, and submitting the encrypted data instruction set to a federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism; decrypting the attribute information calculation result, comparing the attribute information calculation result with a preset threshold value, checking the public acquiring bill merchant according to the comparison result, and establishing a checking-passing public acquiring bill merchant file; when a first customer initiates a transaction request to a public acquiring merchant, generating a plurality of transaction modes by using a self-adaptive selection model according to the public acquiring merchant file, and processing the transaction request according to the transaction mode selected by the first customer; the whole scheme realizes an innovative analysis and processing mechanism for the public acquiring merchants, and intelligently analyzes and identifies the risks of the public acquiring merchants by using federal calculation and self-adaptive selection technology. The method not only solves the problem that when public acquiring merchant files are established, the bank cannot acquire potential risk behaviors and violation history information of merchants in the external environment, but also can dynamically manage and control the risks of the acquiring merchants in the transaction process, and provides the merchants with adaptation selection of the collecting accounts suitable for various transaction scenes; meanwhile, the invention improves the accuracy and comprehensiveness of banking business on the public receipt merchant profile information and promotes the intelligent level of public payment settlement risk control while providing more flexible and convenient service for merchants.
In order to more clearly explain the above analysis processing method for public acquiring merchant archives, the following details are provided in connection with each step.
In S101, merchant information of a public order merchant is obtained, and the merchant information of the public order merchant is checked.
The public receipt merchant comprises public receipt merchants of different banks, and the mode for acquiring merchant information is as follows: and inputting the merchant information to the public order receiving client, or acquiring the merchant information to the public order receiving merchant by a bank staff, and inputting the merchant information.
In a specific embodiment, the public acquiring merchant can actively deliver merchant information data to the bank, or the bank client manager can acquire information of the public acquiring merchant and input the required key information into the information management system of the bank acquiring merchant. In the information acquisition process, the public acquiring merchant acquiring information of the present other line is supported to be input, but the integrity of merchant information input is not checked, and the information is transmitted to a database in real time for storage. Because of the policy management requirement of the public order-receiving merchant, after the merchant information is input, the video authentication of the corporate legal person or the enterprise willingness authorization document with legal person chapter needs to be acquired, which belongs to asynchronous operation, so that the complete information of the public order-receiving merchant needs to be subjected to the supplementary recording through a supplementary recording mechanism.
The merchant information is complemented, and the complemented mode is as follows: carrying out legal willingness video authentication on a public order receiving client, uploading a plaintext, and recording other vacant information, or carrying out information acquisition on a public order receiving merchant by a bank staff and recording merchant information;
and after the merchant information is input, checking the integrity of the merchant information of the public acquiring merchant.
When information is complemented, the client can actively perform legal wish video authentication or upload a proof file with the same efficacy, or a bank client manager uploads information materials complemented by the client in the system. After the complement is completed, the information integrity of the public acquiring business needs to be checked, the transmission of the complement files in various formats such as video, documents and compressed packets is supported, and the complement information materials are transmitted to a database in real time for storage.
Further, after the completion of the supplementary recording, the correctness of the information of the complete file of the public acquiring bill merchant needs to be checked, and the specific flow is as follows: for merchant information with the information integrity checked, checking the information correctness of a complete file of the merchant, wherein the complete file of the merchant at least comprises enterprise information and transaction information;
the enterprise information at least comprises enterprise name, certificate type, certificate number and legal information; the transaction information at least comprises a local line account, a user name, a line number, a payment mode and a secret payment-free limit.
After the complete files of the public acquiring merchants are collected, the authenticity and regularity of enterprise information, accounts and payment setting information are checked, for example, the enterprise scale is between 1 and 100 people, and the secret payment-free limit cannot be higher than 1 ten thousand yuan. After the verification is completed, the information is transmitted to a database in real time for storage.
The database is used for recording public receipt merchant information, and can provide the stored information for display according to instruction calling information, so that the client or client manager can carry out the complement and pre-verification on the basis of the prior information. Meanwhile, the database can also provide basic data for the subsequent file management of the public order-receiving merchant and the transaction processing of the public order-receiving merchant.
In S102, key information is captured in the verified data according to the preset field.
Specifically, in the merchant information with the information correctness checked, the key fields including the client information and the transaction information are screened according to the enterprise type of the public acquiring merchant, and the information of the key fields is arranged according to a set sequence and sequentially subjected to data encryption.
And screening key fields such as customer information, account transaction information and the like according to the type of the public enterprise from the pre-checked data recorded in the database, arranging the screened field information according to a certain sequence (such as importance degree), and sequentially encrypting the data in the follow-up data encryption and decryption flow.
For example, among three pairs of public acquiring merchants of A enterprises, B enterprises and C enterprises, A enterprises and B enterprises passing the pre-verification are screened. Judging A as a large national enterprise, and screening information such as enterprise name, legal name, inding stockholder name, account name and the like; and B, judging the product as an individual industrial and commercial tenant, screening the enterprise name, the operator name and the personal account information by the system, and sequentially encrypting the data according to the importance degree sequence.
In S103, encrypting the key information, and submitting the encrypted data instruction set to a federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism.
In a specific embodiment, the specific flow of the encryption processing of the key information is as follows:
for the key information, encrypting data by using a first encryption mechanism, and submitting an encrypted data instruction set to a federal computing system; the first encryption mechanism is an encryption mechanism set through industry conventions in the initial stage;
optimizing an encryption mechanism according to industry conventions or a federation computing model of a federation computing system, and encrypting data according to a new encryption mechanism.
Specifically, key information is received, data encryption is carried out through an industry agreed encryption mechanism in an initial period (P0), and the encrypted information is sent to a federal computing system; after the federal computing system finishes information processing, the encryption information is received and decrypted locally, and the decrypted result is subjected to auditing processing in the follow-up filing auditing flow.
The encryption mechanism may be optimally adjusted (e.g., at other stages such as P1, P2, etc.) with an industry contract or model of the federal computing system, with the industry contract being manually adjusted when changed, and the model being automatically processed by instructions with encryption requirements issued by the federal computing system when changed.
In a specific embodiment, the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism.
The calculation formula of the merchant data intersection is:
R＝α(E 1 +E 2 +…+E n-k )/(n-k)+β(E n-k+1 +E n-k+2 +…+E n )/k；
wherein R is the calculation result of the merchant data intersection and represents the comprehensive risk value of the merchant;
alpha and beta are the first type risk weight and the second type risk weight respectively, and alpha+beta=1;
E 1 to E to n The information risk points of public acquiring merchants are divided into two parts by enterprise types, which correspond to first type risk weights and second type risk weights respectively;
n is the number of attribute judgment elements, i.e. E 1 To E to n Is the total number of (3); because the attribute judgment elements corresponding to the two types of risk weights are different, the right side of the expression comprises two parts: alpha (E) 1 +E 2 +…+E n-k ) /(n-k) and β (E) n-k+1 +E n-k+2 +…+E n ) K; wherein n-k is the number of attribute judgment elements corresponding to the first type of risk weight; and similarly, k is the number of attribute judgment elements corresponding to the second type of risk weight.
When calculating the comprehensive risk value (R) of the commercial tenant, the method divides the risk weight into two types, namely an important risk weight alpha and a general risk weight beta, and the public acquiring commercial tenant is set to be different weight values according to different public acquiring commercial tenant, wherein the value range of alpha is (0.5, 1), the value range of beta is [0,0.5 ], and alpha+beta=1. For example, the α value of large national enterprises is 0.6, and the α value of small micro-merchants is 0.9. The risk determination element may be set with a general weight, or may be manually adjusted to define a range or a duty ratio.
Risk judging element (E) i I is 1,2, …, n) is a public acquirer information risk point which is a major concern in banking industry. For example, business duration (E 1 ) Number of case of concern (E 2 ) Bank versus public account number (E 3 ) Account freeze condition (E) 4 ) And the like, respectively carrying out value judgment on the types of the public acquiring list merchants according to different types.
And, E of different clients i The choices are also different. For example, the merchant type is largeNational enterprises, E 1 Take on the value 0 (during the duration) or 1 (over the duration), E 2 The value of 0 (less than 30 pieces) or 1 (more than 30 pieces); important risk weight taking E 1 General risk weight fetch E 2 . E of small micro-merchants 1 Take the same value as above, E 2 The important risk weight takes E as a value of 0 (less than 2 pieces) or 1 (more than 2 pieces) 2 General risk weight fetch E 1 。
E i Different extreme values are set according to different types of public acquiring merchants, such as the number of complaint cases (E 2 ) The extremum of the large national enterprises is 100, and the extremum of the small micro enterprises is 10.
In a specific embodiment, the federal computing system is configured to process a data instruction set submitted by a bank, perform merchant privacy data intersection computation according to risk judgment elements of banking industry specifications, and obtain attribute information computation results according to an original encryption mechanism, that is, after completing comprehensive risk computation, add the judgment results to the end of an original customer information set; and each bank decrypts the data according to the decryption method when the attribute information calculation result is called.
In S104, the attribute information calculation result is decrypted, the attribute information calculation result is compared with a preset threshold value, the public acquirer is checked according to the comparison result, and a check passing public acquirer file is established.
Referring to fig. 2, a flowchart of a process of calculating a result of attribute information according to an embodiment of the present invention is shown. As shown in fig. 2, the specific flow is as follows:
s201, setting a multi-level judgment threshold value, and comparing the attribute information calculation result with the multi-level judgment threshold value;
s202, if the attribute information calculation result is smaller than a first-stage judgment threshold value, judging that the public acquiring merchant is a risk-free merchant;
s203, if the attribute information calculation result is greater than or equal to a first-level judgment threshold and is smaller than a second-level judgment threshold, judging that the public acquiring merchant is a risk prompt merchant;
and S204, if the calculated result of the attribute information is greater than or equal to a second-level judgment threshold, judging that the public acquiring merchant is a risk merchant.
Further, referring back to FIG. 2, the decision logic further includes:
s205, setting a judging extremum corresponding to each attribute judging element, and comparing the attribute judging elements with the corresponding judging extremum;
and if the attribute judgment element appears in the attribute judgment elements and is larger than the corresponding judgment extremum, judging that the public acquiring merchant is a risk merchant.
In one embodiment, the risk may be divided into three levels (R0, R1, R2) according to the merchant integrated risk value R: wherein R0 is a risk-free merchant, namely, the calculation result of the risk judgment element is obviously smaller than a threshold value or is 0; r1 is a risk prompt merchant, namely the intersection calculation result is smaller than a threshold value in a certain range; r2 is a risk merchant, namely the comprehensive risk result is greater than or equal to a threshold value. The threshold value and the R0 and R1 ranges can be set with initial values manually, and then system training modification or manual modification is carried out according to actual conditions. For calculation result E i And if the risk is larger than the corresponding extreme value, directly judging the risk merchant as the R2 risk merchant.
After the public receipt merchant is divided, auditing can be performed in an automatic or manual mode, and the specific flow is as follows:
performing automatic auditing according to the comparison result, wherein the direct auditing of the risk-free merchant passes, the risk prompt merchant submits manual review, and the risk merchant directly refuses;
or the comparison result is sent to the bank staff, and all the comparison results are checked manually.
Specifically, during the filing auditing, receiving the decrypted merchant file checking information of which the federal calculation is completed, and displaying the comprehensive risk result to banking staff, wherein the public acquiring merchant file auditing operation is manually carried out or directly audited automatically (R0 directly audits and passes, R1 submits the manual auditing and R2 directly refuses). After the public order-receiving merchant is approved by the document establishment, the merchant can conduct online or offline order-receiving transaction, and the merchant which is not approved or to be approved cannot conduct order-receiving transaction.
And when the set time point is reached, acquiring merchant information of the public order merchant, re-analyzing and checking the public order merchant file, and updating the public order merchant file which passes the checking.
In a specific embodiment, the audit completed public acquiring merchant files are subjected to risk screening periodically, file data are re-screened and encrypted at the end of each month and then transmitted to the federal computing system for risk judgment, and merchants with risk need to submit manual audit again or direct system rejection.
In S105, when it is obtained that the first customer initiates a transaction request to the public acquiring merchant, according to the public acquiring merchant file, multiple transaction modes are generated by using the adaptive selection model, and the transaction request is processed according to the transaction mode selected by the first customer.
Referring to fig. 3, a flow chart of an adaptive selection process according to an embodiment of the invention is shown. As shown in fig. 3, the specific flow is as follows:
s301, capturing order information, payer account information, payee merchant information and payee account information when a first client initiates a transaction request to a public acquirer is obtained;
s302, carrying out self-adaptive selection according to risk factors, customer preference data, procedure fees and payment timeliness by utilizing a self-adaptive selection model according to public acquirer merchant files, order information, payer account information, payee merchant information and payee account information which pass the audit, and generating a plurality of transaction modes;
s303, processing the transaction request according to the transaction mode selected by the first customer, and recording transaction information and customer transaction behavior data after the transaction is successful;
s304, optimizing the self-adaptive selection model according to the transaction information and the customer transaction behavior data.
In a specific embodiment, when order payment is performed, the transaction parties acquire transaction key information and key information of public order-receiving merchants, such as transaction scene, order type, transaction amount, payment account and the like, and the collected information is transferred to the adaptive selection model.
The self-adaptive selection model is used for carrying out self-adaptive matching of the accounts of the receiving and paying parties according to different transaction scene data, and carrying out transaction information display on the optimal selection strategy; and after the transaction is completed, receiving a customer transaction behavior, and recording scene data and updating a customer transaction habit model.
In an actual application scene, in an initial stage, manually setting expert rules with priority to public acquirers, if risk judgment priority is fixed to be the first, transaction cost priority is 60, dynamic account aging priority is 30, then carrying out self-adaptive selection display according to the rules, and carrying out classification statistics on the rules according to different actual use conditions of clients.
For example, the payment client uses the bank account of the bank to pay the order, the acquiring merchant is a private corporation, the acquiring account is his bank account, the information of the receiving and paying party account and the member of the receiving merchant is grasped, the risk level of the acquiring merchant is judged, if the risk of the merchant is R1, controlling the account of the receiver to collect money only by using the temporary account of the bank (the account is low in amount and the bank is easy to freeze), and then displaying and judging the account of the receiver according to the payment cost and the time efficiency by the system, and displaying the result account to a payment platform; the customer does not select the account automatically displayed by the system, but selects the account with high timeliness to pay, records the transaction behavior data of the customer after the payment is completed, judges the preference habit, feeds the timeliness priority +1 back to the self-adaptive selection model, and the self-adaptive selection model displays information according to the priority value.
The invention overcomes the difficulty that in the field of settlement payment for public payment, a bank cannot identify potential risk behaviors and past offence information of a public client when establishing a receipt file, and simultaneously overcomes the pain of the bank lacking a dynamic risk management and control means when transacting a public receipt merchant, and solves the problem that banking industry lacks an effective management and control way in the aspects of risk identification admission control of clients before establishing the receipt merchant file and dynamic risk management of client transactions after establishing the public receipt merchant.
The above process flow is described below in connection with a practical application scenario. Referring to fig. 4, a flow chart of analysis processing for public acquiring merchant files according to an embodiment of the invention is shown in the following detailed flow chart:
s401, the bank intention order-receiving merchant inputs the merchant information.
S402, after receiving the information input by the client, the bank client manager performs client willingness visit and bill-receiving merchant information verification, and after finishing, performs public bill-receiving merchant information supplementary recording.
S403, pre-checking and judging the information such as the customer name, the certificate type, the certificate number, the account authenticity and the like of the bill-receiving merchant, and storing the merchant information into a database to be checked after the pre-checking is passed.
S404, capturing key information such as customer names, legal names, account information and the like in the database to be checked, and carrying out information encryption on the key information.
And S405, sending the encrypted data to a federal computing system, and judging the risk of the information of the acquiring merchant according to the computing rule of the federal computing system.
And S406, after the risk judgment is completed, receiving the calculation result and performing decryption processing.
S407, decrypting the data, judging the risk of the acquiring merchant as R1, and pushing the merchant information and the auditing result to a bank customer manager for processing.
S408, the bank client manager receives the merchant risk auditing prompt and rechecks the merchant information.
S409, the bank client manager checks successfully, determines that the merchant risk is low manually, and agrees to file the public acquiring merchant in the bank.
S410, successfully establishing a receipt merchant file, and notifying the client manager that the client is completed in the file establishment.
Referring to fig. 5, a flow chart of adaptive display of a public merchant acquiring transaction payment account according to an embodiment of the invention is shown in the following specific flow chart:
s501, a payer client pays an order deposit to a acquirer at a transaction platform.
S502, capturing order information, account information of a payer, merchant information of a payee, account information and the like, and pushing to an adaptive selection model.
S503, the self-adaptive selection model sequentially judges according to rules such as procedure cost, payment timeliness and the like, judges that the receiving and paying party is the same city account with the lowest cost and the fastest account, and returns the result to the front end for display.
And S504, the client preferentially sees the self-adaptively displayed account number of the same city settlement, and selects the account to pay.
S505, the transaction is completed, the transaction behavior of the client is recorded, and success information is returned to the self-adaptive selection model for data training.
In the invention, under the condition that the banking industry innovates a public payment settlement business field commercial tenant bill-receiving plate, a set of virtual architecture for intelligently auditing public bill-receiving commercial tenant information and identifying risks is built by using federal calculation and self-adaptive selection technology. By the method, the blank of identifying potential risks of the commercial transaction when the bank builds the public order-receiving commercial transaction file is filled, the difficulty of dynamically controlling the transaction risks of the public order-receiving service is solved, and the intelligent level of risk management of the public payment settlement commercial transaction order-receiving and transaction accounts by banking is improved.
It should be noted that although the operations of the method of the present invention are described in a particular order in the above embodiments and the accompanying drawings, this does not require or imply that the operations must be performed in the particular order or that all of the illustrated operations be performed in order to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step to perform, and/or one step decomposed into multiple steps to perform.
Having described the method of an exemplary embodiment of the present invention, an exemplary embodiment of the present invention will next be described with reference to fig. 6 for a public acquirer merchant profile analysis processing apparatus.
The implementation of the public acquiring merchant file analysis processing device can refer to the implementation of the method, and the repetition is omitted. The term "module" or "unit" as used below may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
Based on the same inventive concept, the invention also provides a device for analyzing and processing the public receipt merchant archives, as shown in fig. 6, the device comprises:
the information processing module 610 is configured to obtain merchant information of a public acquiring merchant, and verify the merchant information of the public acquiring merchant;
the information capturing module 620 is configured to capture key information in the verified data according to the preset field;
the encryption processing module 630 is configured to encrypt the key information and submit the encrypted data instruction set to the federal computing system 660; wherein, the federal computing system 660 processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism;
The file establishing module 640 is configured to decrypt the attribute information calculation result, compare the attribute information calculation result with a preset threshold, and check the public acquiring merchant according to the comparison result, so as to establish a file of the public acquiring merchant passing the check;
and the transaction processing module 650 is configured to, when it is obtained that the first customer initiates a transaction request to the public acquiring merchant, generate multiple transaction modes according to the public acquiring merchant file by using the adaptive selection model, and process the transaction request according to the transaction mode selected by the first customer.
In one embodiment, the information processing module 610 is specifically configured to:
the public receipt merchant comprises public receipt merchants of different banks, and the mode for acquiring merchant information is as follows: and inputting the merchant information to the public order receiving client, or acquiring the merchant information to the public order receiving merchant by a bank staff, and inputting the merchant information.
In one embodiment, the information processing module 610 is specifically configured to:
the merchant information is complemented, and the complemented mode is as follows: carrying out legal willingness video authentication on a public order receiving client, uploading a plaintext, and recording other vacant information, or carrying out information acquisition on a public order receiving merchant by a bank staff and recording merchant information;
And after the merchant information is input, checking the integrity of the merchant information of the public acquiring merchant.
In one embodiment, the information processing module 610 is specifically configured to:
for merchant information with the information integrity checked, checking the information correctness of a complete file of the merchant, wherein the complete file of the merchant at least comprises enterprise information and transaction information;
the enterprise information at least comprises enterprise name, certificate type, certificate number and legal information; the transaction information at least comprises a local line account, a user name, a line number, a payment mode and a secret payment-free limit.
In one embodiment, the information grabbing module 620 is specifically configured to:
and screening key fields including client information and transaction information according to the enterprise type of the public acquiring merchant in merchant information with the passed information correctness check, arranging the information of the key fields according to a set sequence, and sequentially carrying out data encryption.
In one embodiment, the encryption processing module 630 is specifically configured to:
for the critical information, encrypting data using a first encryption mechanism and submitting an encrypted data instruction set to the federal computing system 660; the first encryption mechanism is an encryption mechanism set through industry conventions in the initial stage;
Optimizing an encryption mechanism according to industry conventions or a federation computing model of a federation computing system, and encrypting data according to a new encryption mechanism.
In one embodiment, in the federated computing system 660, the merchant data intersection is calculated as:
R＝α(E 1 +E 2 +…+E n-k )/(n-k)+β(E n-k+1 +E n-k+2 +…+E n )/k；
wherein R is the calculation result of merchant data intersection and representsA merchant comprehensive risk value; alpha and beta are the first type risk weight and the second type risk weight respectively, and alpha+beta=1; e (E) 1 To E to n The information risk points of public acquiring merchants are divided into two parts by enterprise types, which correspond to first type risk weights and second type risk weights respectively; n is the number of attribute judgment elements; n-k is the number of attribute judgment elements corresponding to the first type of risk weight; k is the number of attribute judgment elements corresponding to the second type risk weight.
In one embodiment, the archive creation module 640 is specifically configured to:
setting a multi-level judgment threshold value, and comparing the attribute information calculation result with the multi-level judgment threshold value;
if the attribute information calculation result is smaller than a first-stage judgment threshold value, judging that the public acquiring merchant is a risk-free merchant;
if the attribute information calculation result is larger than or equal to a first-level judgment threshold value and smaller than a second-level judgment threshold value, judging that the public acquiring merchant is a risk prompt merchant;
And if the attribute information calculation result is greater than or equal to a second-level judgment threshold value, judging that the public acquiring merchant is a risk merchant.
In one embodiment, the archive creation module 640 is further configured to:
setting a judging extremum corresponding to each attribute judging element, and comparing the attribute judging elements with the corresponding judging extremum;
and if the attribute judgment element appears in the attribute judgment elements and is larger than the corresponding judgment extremum, judging that the public acquiring merchant is a risk merchant.
In one embodiment, the archive creation module 640 is further configured to:
performing automatic auditing according to the comparison result, wherein the direct auditing of the risk-free merchant passes, the risk prompt merchant submits manual review, and the risk merchant directly refuses;
or the comparison result is sent to the bank staff, and all the comparison results are checked manually.
In a specific embodiment, the system is further configured to:
when the set time point is reached, the information processing module 610, the information capturing module 620, the encryption processing module 630 and the file establishing module 640 are recalled, the merchant information of the public acquirer is obtained, the public acquirer file is re-analyzed and checked, and the public acquirer file passing the check is updated.
In one embodiment, the transaction processing module 650 is specifically configured to:
when a first client initiates a transaction request to a public acquiring merchant, acquiring order information, payer account information, payee merchant information and payee account information;
according to the public receipt merchant file, order information, payer account information, payee merchant information and payee account information which pass the audit, performing self-adaptive selection according to risk coefficients, client preference data, procedure cost and payment timeliness by using a self-adaptive selection model, and generating a plurality of transaction modes;
processing the transaction request according to the transaction mode selected by the first customer, and recording transaction information and customer transaction behavior data after the transaction is successful;
and optimizing the self-adaptive selection model according to the transaction information and the customer transaction behavior data.
The invention applies federal calculation and self-adaptive selection technology in the business receiving plate of the business in the banking industry to realize intelligent risk identification of the business receiving business, not only solves the problem that when the business file of the business receiving business is established, the bank can not acquire the potential risk behavior and the illegal history information of the business in the external environment, but also can dynamically manage and control the risk of the business receiving business in the transaction process, and provides the business with the adaptive selection of the receiving account adapting to various transaction scenes. The invention improves the accuracy and the comprehensiveness of banking business to public receipt merchant profile information and promotes the intelligent level of public payment settlement risk management while providing more flexible and convenient service for merchants.
It should be noted that while several modules of a public acquirer merchant profile analysis processing apparatus are mentioned in the detailed description above, such a division is merely exemplary and not mandatory. Indeed, the features and functions of two or more modules described above may be embodied in one module in accordance with embodiments of the present invention. Conversely, the features and functions of one module described above may be further divided into a plurality of modules to be embodied.
Based on the foregoing inventive concept, as shown in fig. 7, the present invention further proposes a computer device 700, including a memory 710, a processor 720, and a computer program 730 stored in the memory 710 and executable on the processor 720, where the processor 720 implements the foregoing method for analyzing and processing public acquiring merchant archives when executing the computer program 730.
Based on the foregoing inventive concept, the present invention proposes a computer readable storage medium storing a computer program which, when executed by a processor, implements the foregoing method for analyzing and processing public acquirer merchant archives.
Based on the foregoing inventive concept, the present invention provides a computer program product, which comprises a computer program, wherein the computer program realizes a public receipt merchant archive analysis processing method when being executed by a processor.
The method and the device for analyzing and processing the public order merchant files, provided by the invention, verify merchant information by acquiring the merchant information of the public order merchant; capturing key information in the verified data according to the preset field; encrypting key information, and submitting an encrypted data instruction set to a federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism; decrypting the attribute information calculation result, comparing the attribute information calculation result with a preset threshold value, checking the public acquirer according to the comparison result, and establishing a checking-passing public acquirer file; when a customer initiates a transaction request, generating a plurality of transaction modes by using the self-adaptive selection model according to the public receipt merchant file, and processing the transaction request according to the transaction mode selected by the customer. The federal calculation and self-adaptive selection technology is applied to the merchant order-receiving plate in the field of public payment settlement business in banking industry, so that the intelligent effective identification of public order-receiving merchant files is realized, the problem that when the public order-receiving merchant files are established, the bank cannot acquire risk information of merchants in external environments is solved, dynamic monitoring can be carried out on the order-receiving merchants in the transaction process, and the adaptation selection of the collection accounts adapting to various transaction scenes is provided for the merchants. The invention improves the accuracy and comprehensiveness of banking business on the public order-receiving merchant document information and provides powerful technical support for intelligent business processing of the public order-receiving merchant while providing more flexible and convenient service for the merchant.
In the technical scheme, the acquisition, storage, use, processing and the like of the data all accord with the relevant regulations of laws and regulations.
It will be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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 invention is described with reference to flowchart illustrations and/or block diagrams of methods and computer program products according to embodiments of the invention. 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.
Finally, it should be noted that: the above examples are only specific embodiments of the present invention, and are not intended to limit the scope of the present invention, but it should be understood by those skilled in the art that the present invention is not limited thereto, and that the present invention is described in detail with reference to the foregoing examples: any person skilled in the art may modify or easily conceive of the technical solution described in the foregoing embodiments, or perform equivalent substitution of some of the technical features, while remaining within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention, and are intended to be included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (16)

1. The method for analyzing and processing the public receipt merchant archives is characterized by comprising the following steps of:
acquiring merchant information of a public order merchant, and checking the merchant information of the public order merchant;
capturing key information in the verified data according to the preset field;
encrypting the key information, and submitting the encrypted data instruction set to a federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism;
decrypting the attribute information calculation result, comparing the attribute information calculation result with a preset threshold value, checking the public acquiring bill merchant according to the comparison result, and establishing a checking-passing public acquiring bill merchant file;
when a first customer initiates a transaction request to a public acquiring merchant, generating a plurality of transaction modes by using an adaptive selection model according to the public acquiring merchant file, and processing the transaction request according to the transaction mode selected by the first customer.
2. The method of claim 1, wherein obtaining merchant information for a public acquirer and verifying the merchant information for the public acquirer comprises:
The public receipt merchant comprises public receipt merchants of different banks, and the mode for acquiring merchant information is as follows: and inputting the merchant information to the public order receiving client, or acquiring the merchant information to the public order receiving merchant by a bank staff, and inputting the merchant information.
3. The method of claim 2, wherein obtaining merchant information for a public acquirer and verifying the merchant information for the public acquirer comprises:
the merchant information is complemented, and the complemented mode is as follows: carrying out legal willingness video authentication on a public order receiving client, uploading a plaintext, and recording other vacant information, or carrying out information acquisition on a public order receiving merchant by a bank staff and recording merchant information;
and after the merchant information is input, checking the integrity of the merchant information of the public acquiring merchant.
4. The method of claim 3, wherein obtaining merchant information for a public acquirer and verifying the merchant information for the public acquirer comprises:
for merchant information with the information integrity checked, checking the information correctness of a complete file of the merchant, wherein the complete file of the merchant at least comprises enterprise information and transaction information;
The enterprise information at least comprises enterprise name, certificate type, certificate number and legal information; the transaction information at least comprises a local line account, a user name, a line number, a payment mode and a secret payment-free limit.
5. The method of claim 4, wherein capturing key information in the verified data according to the preset field comprises:
and screening key fields including client information and transaction information according to the enterprise type of the public acquiring merchant in merchant information with the passed information correctness check, arranging the information of the key fields according to a set sequence, and sequentially carrying out data encryption.
6. The method of claim 1, wherein cryptographically processing the critical information, submitting an encrypted set of data instructions to a federated computing system, comprises:
for the key information, encrypting data by using a first encryption mechanism, and submitting an encrypted data instruction set to a federal computing system; the first encryption mechanism is an encryption mechanism set through industry conventions in the initial stage;
optimizing an encryption mechanism according to industry conventions or a federation computing model of a federation computing system, and encrypting data according to a new encryption mechanism.
7. The method of claim 1, wherein the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains the attribute information computation result according to an encryption mechanism, and comprises:
the calculation formula of the merchant data intersection is:
R＝α(E 1 +E 2 +…+E n-k )/(n-k)+β(E n-k+1 +E n-k+2 +…+E n )/k；
wherein R is the calculation result of the merchant data intersection and represents the comprehensive risk value of the merchant; alpha and beta are the first type risk weight and the second type risk weight respectively, and alpha+beta=1; e (E) 1 To E to n The information risk points of public acquiring merchants are divided into two parts by enterprise types, which correspond to first type risk weights and second type risk weights respectively; n is the number of attribute judgment elements; n-k is the number of attribute judgment elements corresponding to the first type of risk weight; k is the number of attribute judgment elements corresponding to the second type risk weight.
8. The method of claim 7, wherein decrypting the attribute information calculation, comparing the attribute information calculation with a predetermined threshold, checking public acquirers according to the comparison, and creating a checked-in public acquirer profile, comprising:
Setting a multi-level judgment threshold value, and comparing the attribute information calculation result with the multi-level judgment threshold value;
if the attribute information calculation result is smaller than a first-stage judgment threshold value, judging that the public acquiring merchant is a risk-free merchant;
if the attribute information calculation result is larger than or equal to a first-level judgment threshold value and smaller than a second-level judgment threshold value, judging that the public acquiring merchant is a risk prompt merchant;
and if the attribute information calculation result is greater than or equal to a second-level judgment threshold value, judging that the public acquiring merchant is a risk merchant.
9. The method of claim 8, wherein decrypting the attribute information calculation, comparing the attribute information calculation with a predetermined threshold, checking public acquirers according to the comparison, and creating a checked-in public acquirer profile, comprising:
setting a judging extremum corresponding to each attribute judging element, and comparing the attribute judging elements with the corresponding judging extremum;
and if the attribute judgment element appears in the attribute judgment elements and is larger than the corresponding judgment extremum, judging that the public acquiring merchant is a risk merchant.
10. The method according to claim 8 or 9, wherein decrypting the attribute information calculation results, comparing the attribute information calculation results with a preset threshold, checking the public acquirer according to the comparison result, and establishing a checked-in public acquirer file, comprising:
Performing automatic auditing according to the comparison result, wherein the direct auditing of the risk-free merchant passes, the risk prompt merchant submits manual review, and the risk merchant directly refuses;
or the comparison result is sent to the bank staff, and all the comparison results are checked manually.
11. The method according to claim 1, characterized in that the method further comprises:
and when the set time point is reached, acquiring merchant information of the public order merchant, re-analyzing and checking the public order merchant file, and updating the public order merchant file which passes the checking.
12. The method of claim 1, wherein when a first customer is obtained to initiate a transaction request to a public acquirer, generating a plurality of transaction ways using an adaptive selection model according to the public acquirer profile, and processing the transaction request according to the transaction way selected by the first customer comprises:
when a first client initiates a transaction request to a public acquiring merchant, acquiring order information, payer account information, payee merchant information and payee account information;
according to the public receipt merchant file, order information, payer account information, payee merchant information and payee account information which pass the audit, performing self-adaptive selection according to risk coefficients, client preference data, procedure cost and payment timeliness by using a self-adaptive selection model, and generating a plurality of transaction modes;
Processing the transaction request according to the transaction mode selected by the first customer, and recording transaction information and customer transaction behavior data after the transaction is successful;
and optimizing the self-adaptive selection model according to the transaction information and the customer transaction behavior data.
13. The utility model provides a to public receipts merchant archives analysis processing apparatus which characterized in that includes:
the information processing module is used for acquiring merchant information of the public order merchant and checking the merchant information of the public order merchant;
the information grabbing module is used for grabbing key information in the verified data according to the preset field;
the encryption processing module is used for encrypting the key information and submitting the encrypted data instruction set to the federal computing system; the federal computing system processes the submitted data instruction set, performs merchant data intersection computation according to the set attribute judgment element, and obtains an attribute information computation result according to an encryption mechanism;
the file establishing module is used for decrypting the attribute information calculation result, comparing the attribute information calculation result with a preset threshold value, checking the public acquirer according to the comparison result, and establishing a checking-passed public acquirer file;
And the transaction processing module is used for generating a plurality of transaction modes by utilizing the self-adaptive selection model according to the public acquiring merchant file when the first client initiates the transaction request to the public acquiring merchant, and processing the transaction request according to the transaction mode selected by the first client.
14. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 12 when executing the computer program.
15. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 12.
16. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements the method of any of claims 1 to 12.
CN202310594096.8A 2023-05-24 2023-05-24 Method and device for analyzing and processing public receipt merchant files Pending CN116541864A (en)

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Applications Claiming Priority (1)

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CN116541864A true CN116541864A (en) 2023-08-04

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