CN117911086A

CN117911086A - Transaction data processing method, device, equipment and system

Info

Publication number: CN117911086A
Application number: CN202410051363.1A
Authority: CN
Inventors: 苏千秋
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-11-03
Filing date: 2020-11-03
Publication date: 2024-04-19
Also published as: CN112270542B; CN112270542A

Abstract

The present disclosure provides a transaction data processing method, apparatus, device and system, where resources are jointly performed by at least two transaction users, such as: the issuing and verifying of the consumption ticket are carried out, the configured resources are verified at least twice, after the first verifying transaction is completed by the use, the user can complete verifying when the second transaction is completed within the effective period of the resources, and at the moment, the user can really enjoy the advantages specified by the resources. The power of the transaction user for resource verification is improved, the conversion rate of the resources is further improved, and meanwhile, the source of the verification resources can be accurately determined.

Description

Transaction data processing method, device, equipment and system

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a transaction data processing method, device, equipment, and system.

Background

With the development of computer internet technology, the types and modes of transactions are increasing, from cash transactions to online payments, and today, many merchants push out the transaction modes of resource verification. Merchants can have certain rights through the distribution of resources such as: the consumer ticket, the user may enjoy the benefit of the merchant's offering the resource by picking up the resource and conducting a transaction verification to the designated location. However, general users have a large number of channels for picking up resources, the conversion rate of the resources and the sources of the resources for verification cannot be accurately counted, and the general resources require users to actively verify the consumption of the shops, so that the users have enough verification power.

Disclosure of Invention

The embodiment of the specification aims to provide a transaction data processing method, device, equipment and system, which improve the verification rate of resources and realize the accurate determination of the sources of verification resources.

In a first aspect, embodiments of the present disclosure provide a transaction data processing method, the method including:

receiving a first resource verification request, wherein the first resource verification request comprises a first transaction amount, a first transaction user identifier, a payment user identifier and a resource to be verified;

Determining a first payment amount and a first preferential amount of the first resource verification request according to the configuration information of the resource to be verified and the first transaction amount, and performing first resource verification on the resource to be verified;

Receiving a second resource verification request in the valid period of the resource to be verified, wherein the second resource verification request comprises a second transaction amount, the resource to be verified, the payment user identifier and a second transaction user identifier; the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier are verifying users of the resources to be verified and agreement-related users of the resources to be verified;

And determining a second payment amount and a second preferential amount of the second resource verification request according to the configuration information of the resource to be verified and the second transaction amount, and performing second resource verification on the resource to be verified.

In a second aspect, the present specification provides a transaction data processing method, the method comprising:

receiving a first payment request, wherein the first payment request comprises a payment user identifier and a resource to be verified;

And sending a first resource verification request to a payment platform, wherein the first resource verification request comprises a first transaction amount, a first transaction user identifier, the payment user identifier and the resource to be verified, so that the payment platform performs first resource verification on the resource to be verified, and completes second resource verification on the resource to be verified after receiving a second resource verification request within the valid period of the resource to be verified.

In a third aspect, the present specification provides a transaction data processing method, the method comprising:

receiving a second payment request, wherein the second payment request comprises a payment user identifier and a resource to be verified;

And judging whether the to-be-verified resource is currently in the effective period, if so, sending a second resource verification request to a payment platform, wherein the second resource verification request comprises a second transaction amount, a second transaction user identifier, the payment user identifier and the to-be-verified resource, so that the payment platform carries out second resource verification on the to-be-verified resource, and completes second resource verification of the to-be-verified resource in the effective period of the to-be-verified resource.

In a fourth aspect, the present specification provides a transaction data processing apparatus comprising:

the first transaction request receiving module is used for receiving a first resource verification request, wherein the first resource verification request comprises a first transaction amount, a first transaction user identifier, a payment user identifier and a resource to be verified;

The first resource verification module is used for determining a first payment amount and a first preferential amount of the first resource verification request according to the configuration information of the resource to be verified and the first transaction amount, and performing first resource verification on the resource to be verified;

the second transaction request receiving module is used for receiving a second resource verification request in the validity period of the resource to be verified, wherein the second resource verification request comprises a second transaction amount, the resource to be verified, the payment user identifier and a second transaction user identifier; the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier are verifying users of the resources to be verified and agreement-related users of the resources to be verified;

And the second resource verification module is used for determining a second payment amount and a second preferential amount of the second resource verification request according to the configuration information of the resource to be verified and the second transaction amount, and performing second resource verification on the resource to be verified.

In a fifth aspect, the present specification provides a transaction data processing apparatus comprising:

the first payment request receiving module is used for receiving a first payment request, wherein the first payment request comprises a payment user identifier and a resource to be verified;

The first verifying and verifying request module is used for sending a first resource verifying and verifying request to the payment platform, wherein the first resource verifying and verifying request comprises a first transaction amount, a first transaction user identifier, the payment user identifier and the resource to be verified and verified, so that the payment platform performs first resource verifying and verifying on the resource to be verified and verifying on the second resource in the valid period of the resource to be verified and verifying on the second resource.

In a sixth aspect, the present specification provides a transaction data processing apparatus comprising:

The second payment request receiving module is used for receiving a second payment request, wherein the second payment request comprises a payment user identifier and a resource to be verified;

And the second verification and cancellation request module is used for judging whether the to-be-verified resource is currently in the effective period, if so, sending a second resource verification and cancellation request to a payment platform, wherein the second resource verification and cancellation request comprises a second transaction amount, a second transaction user identifier, the payment user identifier and the to-be-verified resource, so that the payment platform performs second resource verification on the to-be-verified resource and completes the second resource verification of the to-be-verified resource in the effective period of the to-be-verified resource.

In a seventh aspect, embodiments of the present disclosure provide a transaction data processing device comprising at least one processor and a memory for storing processor-executable instructions, the processor, when executing the instructions, implementing the transaction data processing method of the first aspect or the second aspect or the third aspect.

In an eighth aspect, embodiments of the present disclosure provide a transaction data processing system, comprising: the payment platform, the payment user terminal and at least two transaction user terminals; the payment platform comprises at least one processor and a memory for storing instructions executable by the processor, wherein the processor is used for realizing the method of the first aspect when executing the instructions and is used for conducting resource verification processing on resources to be verified;

The payment user terminal comprises at least one processor and a memory for storing instructions executable by the processor, wherein the processor sends a payment request to the payment platform or the transaction user terminal when executing the instructions;

The transaction user terminal comprises at least one processor and a memory for storing instructions executable by the processor, wherein the processor is used for implementing the method of the second aspect or the third aspect when executing the instructions, and is used for receiving a payment request sent by the payment terminal and sending a resource verification transaction request to the payment platform so that the payment platform verifies resources to be verified.

According to the transaction data processing method, device, equipment and system, the release and verification of the resources to be verified are jointly carried out by at least two transaction users, the configured resources are verified at least twice, and when the users finish the first verification transaction, the users can be prompted to carry out the second transaction to the appointed transaction users within the appointed validity period, so that the benefits of the resources can be really enjoyed. The dynamic of resource verification by the transaction user is improved, the conversion rate of the resources is further improved, meanwhile, the source of verification resources can be determined to be the transaction user for first resource verification, and a data base is provided for the effect analysis of resource verification.

Drawings

In order to more clearly illustrate the embodiments of the present description or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some of the embodiments described in the present description, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a flow chart of an embodiment of a transaction data processing method provided in an embodiment of the present disclosure;

FIG. 2 is a flow chart of a method for performing a resource cancellation transaction at a first transaction user terminal side in some embodiments of the present disclosure;

FIG. 3 is a flow chart of a method for performing a resource verification transaction on a side in some embodiments of the present disclosure;

FIG. 4 is a schematic illustration of two usage flows for coupons in one example scenario of the present description;

FIG. 5 is a timing diagram of coupon verification in one scenario example of the present description;

FIG. 6 is a block diagram of one embodiment of a transaction data processing device provided herein;

FIG. 7 is a block diagram of one embodiment of a transaction data processing device provided herein;

FIG. 8 is a block diagram of one embodiment of a transaction data processing device provided herein;

FIG. 9 is a block diagram of the hardware architecture of a transaction data processing server in one embodiment of the present description.

Detailed Description

In order to make the technical solutions in the present specification better understood by those skilled in the art, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present disclosure.

Resources in the embodiments of the present description may be understood as rights information capable of providing specified rights or benefits, such as: may be coupons, consumer coupons, or short coupons sent by merchants, etc. After the general user needs to obtain the resource information with preferential or equity, the user can consume the resource to the merchant or store designated by the resource, and the resource verification and the transaction mode of the resource verification are passive, so that the source of the verified resource cannot be determined, and the verification rate of the resource cannot be ensured.

Fig. 1 is a flowchart of an embodiment of a transaction data processing method according to an embodiment of the present disclosure. Although the description provides methods and apparatus structures as shown in the examples or figures described below, more or fewer steps or modular units may be included in the methods or apparatus, whether conventionally or without inventive effort. In the steps or the structures where there is no necessary causal relationship logically, the execution order of the steps or the module structure of the apparatus is not limited to the execution order or the module structure shown in the embodiments or the drawings of the present specification. The described methods or module structures may be implemented in a device, server or end product in practice, in a sequential or parallel fashion (e.g., parallel processor or multi-threaded processing environments, or even distributed processing, server cluster implementations) as shown in the embodiments or figures.

In a specific embodiment, as shown in fig. 1, in one embodiment of the transaction data processing method provided in the present specification, the method may be applied to a paymate, for example: the method can be a terminal such as a computer, a tablet computer, a server, a smart phone and the like, and comprises the following steps:

Step 102, receiving a first resource verification request, wherein the first resource verification request comprises a first transaction amount, a first transaction user identifier, a payment user identifier and a resource to be verified.

In a specific implementation process, as described in the above embodiments, the resource may be understood as electronic information or paper information with a certain benefit or preference, and may be understood as a preferential commitment of a merchant or a designated department to a user. When a user pays, the user can choose to use the acquired resources to withhold or enjoy the corresponding rights, and the resources can be electronic preferential information acquired by the user on a network platform or an entity shop, such as: the electronic consumption ticket can also be paper preference information which is acquired by a user in an entity store, such as: paper consumption coupons. The resource may be obtained by the user before the transaction, or may be obtained by the user on a payment page when the user selects payment, and the time and the mode of obtaining the resource in the embodiment of the present disclosure are not limited specifically. When a user (i.e., a payment user) chooses to use the retrieved resources to conduct a transaction, the user or merchant (i.e., the transaction user conducting the transaction with the payment user) may send a transaction request to the paymate via the client, such as: and the payment user selects to use the resource to conduct payment transaction on the payment page and submits a payment request, and after receiving the payment request, the transaction user can submit a first resource verification request to the payment platform. The first resource verification request may include a first transaction amount of the current transaction, a first transaction user identifier, a payment user identifier, and a resource to be verified, where the resource to be verified may include an identifier or a number of the resource to be verified.

Step 104, determining a first payment amount and a first preferential amount of the first resource verification request according to the configuration information of the resource to be verified and the first transaction amount, and performing first resource verification on the resource to be verified.

In a specific implementation process, after the payment platform receives the first resource verification request, the first payment amount and the first preferential amount of the transaction request can be determined according to the configuration information of the resource to be verified in the first resource verification request and the first transaction amount in the request. Resources typically configure preferential policies such as: after the payment is immediately reduced or the transaction is completed, a certain amount is returned or the transaction amount satisfies the amount, and the amount can be reduced, for example: if the configuration information of the resource to be verified indicates that the payment is immediately reduced by 10 yuan when the first consumption verification is performed, and the first transaction amount is 50 yuan, it can be determined that the first payment amount of the first resource verification request is 50-10=40 yuan, wherein the first preferential amount is 10 yuan. It can be seen that the general first transaction amount may be the sum of the first payment amount and the first offer amount, but the first offer amount in the embodiment of the present disclosure may include the payment amount, and may also include expected benefits such as: the first transaction amount may be the same as the first payment amount, such as by returning a certain amount after the transaction is completed, or by returning a certain coupon, etc. After the first payment amount and the first preferential amount are determined, the first payment amount can be deducted from a payment account corresponding to the payment user identifier to a transaction account corresponding to the first transaction user identifier, and the first resource verification is performed on the resource to be verified so as to counteract the first preferential amount. At this time, the payment user only needs to pay the first payment amount, but the payment user is informed that the first preferential amount is deducted by the resource to be verified, but the rule of the resource to be verified is required to be completed, and if the subsequent resource to be verified is not completely verified, the first preferential amount is deducted instead. The transaction user pays out a first transaction amount, wherein a first preferential amount in the first transaction amount can be deducted by the resource to be verified.

In some embodiments of the present disclosure, determining, according to the configuration information of the resource to be verified and the first transaction amount, a first payment amount and a first preferential amount of the first resource verification request, and performing a first resource verification on the resource to be verified, where the method includes:

determining a first payment amount and a first preferential amount of the first resource verification request according to the configuration information of the resource to be verified and the first transaction amount;

deducting the first payment amount from a payment account corresponding to the payment user identifier and transferring the first payment amount to a transaction account corresponding to the first transaction user identifier;

and performing primary resource verification on the resource to be verified, and setting the transaction state of the first preferential amount to be a suspension state.

In a specific implementation process, after receiving the first resource verification request, a first payment amount and a first preferential amount corresponding to the transaction request can be determined. When the first resource verification request is completed, the first payment amount can be deducted from the payment account corresponding to the payment user identifier to the transaction account corresponding to the first transaction user identifier, or the first payment amount can be pre-paid and deducted from the payment account, and the first payment amount is not temporarily transferred into the transaction account. When the first payment amount is deducted from the payment account, the first resource verification may be performed on the resource to be verified to cancel the first preferential amount, and at this time, the transaction state of the first preferential amount may be set to a suspension state. That is, the transaction of the first preferential amount is suspended, and the transaction processing of the preferential amount can be continued after the resources to be verified are verified. Such as: if the subsequent verification task of the resource to be verified is completed, the first preferential amount can be paid by a preferential payment user configured by the resource to be verified, and if the subsequent verification task of the resource to be verified is not completed, the first preferential amount can be paid by the payment user. After the first resource verification of the resource to be verified is completed, the first transaction amount of the payment can be displayed to the payment user, wherein the first payment amount is actually paid, the first preferential amount is temporarily paid by the preferential payment user, and the preferential amount is prompted, and if the appointed verification transaction of the subsequent resource to be verified is not completed, the first preferential amount is deducted.

The preferential payment user can be a user corresponding to the first transaction user identification, a user corresponding to the second transaction user identification, or a third party outside the user to be approved for resource verification. By suspending the first preferential amount, after the user finishes all the verification and approval of the resources to be verified, the transaction is continued, the shared before-pay transaction of the resources to be verified is realized, the verification and approval of the subsequent resources are enjoyed, a novel transaction mode of resource verification is provided, and the conversion rate of the resources is improved under the condition of no consumption amount threshold.

Step 106, receiving a second resource verification request in the validity period of the resource to be verified, wherein the second resource verification request comprises a second transaction amount, the resource to be verified, the payment user identifier and a second transaction user identifier; and the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier are agreement association verification users of the resources to be verified.

In a specific implementation process, the resource in the embodiment of the present disclosure is not a disposable verification resource, and two or more verification operations are required to complete the verification task of the resource. After the resource to be verified is verified for the first time, the user can conduct transaction to the store corresponding to the second transaction user identifier appointed by the resource to be verified according to the prompt of the use rule of the resource to be verified. The users corresponding to the first transaction user identifier and the second transaction user identifier can be agreement association verification users formulated by the agreement of the resources to be verified, and the agreement association verification users can understand that the resources to be verified need to be verified and verified at the configured agreement association users to be verified and verified, so that verification tasks of the resources to be verified and verified can be completed. Such as: the consumption coupon A1 is a resource to be verified and released jointly by the transaction user B1 and the transaction user B2, the transaction user B1 and the transaction user B2 sign a consumption coupon agreement, and when the user uses the consumption coupon A1 to conduct transaction, the transaction user B1 and the transaction user B2 are required to conduct two transactions respectively, so that verification tasks of the consumption coupon A1 can be completed, and the benefit of the consumption coupon A1 can be really enjoyed.

In some embodiments of the present disclosure, after the first resource verification of the resource to be verified is completed, the method further includes:

And activating the validity period of the resource to be verified and starting to time the validity period.

In a specific implementation process, after the first resource verification of the resource to be verified is completed, the validity period of the resource to be verified can be activated, and validity period timing is started to determine whether the second resource verification can be performed in the validity period after the first resource verification of the resource to be verified.

When the resource to be verified is verified for the first time, not only the effective period of the resource can be activated, but also the preferential of the second verification transaction of the resource to be verified can be activated, the user can receive the second preferential amount of the resource to be verified, the second preferential amount can specify the corresponding verification user, namely the transaction user corresponding to the second transaction user identifier, and the transaction between the transaction users corresponding to the second transaction user identifier needs to be completed within the effective period of the resource to be verified. If the user consumes the store corresponding to the second transaction user identifier appointed by the to-be-verified resource within the valid period of the to-be-verified resource, the payment platform can receive a second resource verification request, similar to the first resource verification request, the request can be sent by the payment user or the transaction user through the client, and the second resource verification request can comprise a second transaction amount, the to-be-verified resource, the payment user identifier and the second transaction user identifier.

In addition, after the payment platform receives the transaction request for carrying out the transaction by using the resource to be verified, whether the transaction user identifier in the transaction request is a verification user of the resource to be verified or not and whether the transaction user identifier is a user associated with a user corresponding to the first transaction user identifier or not can be judged first, if yes, the transaction request is determined to be a second resource verification request, and the second resource verification of the resource to be verified can be carried out.

And step 108, determining a second payment amount and a second preferential amount of the second resource verification request according to the configuration information of the resource to be verified and the second transaction amount, and performing second resource verification on the resource to be verified.

In a specific implementation process, similar to the first resource verification of the resource to be verified, after the first resource verification request is received, the second payment amount and the second preferential amount can be determined, the second payment amount is deducted from the payment account corresponding to the payment user identifier and transferred into the transaction account corresponding to the second transaction user identifier, and meanwhile, the second resource verification is performed on the resource to be verified to counteract the second preferential amount.

It should be noted that, the number of agreement association verifying users of the resources to be verified may be 2, or may be 3 or more, that is, the resources to be verified may be issued by one transaction user, and other transaction users may be auxiliary transaction users assisting in popularization. If the resource to be verified is released by a trading user, the last verification of the resource to be verified generally needs to be designated to the trading user releasing the resource to be verified for verification, so as to achieve the purpose of releasing the trading user of the resource to be verified. Such as: the consumption coupon A1 is a resource to be verified issued by the transaction user B1, the transaction users B2 and B3 are users for helping the transaction users to popularize the consumption coupon, when the users transact at the transaction user B2 or B3, the transaction users B2 and B3 can send the consumption coupon to the users, the users can enjoy a certain preferential price by using the consumption coupon to transact, but the consumption coupon simultaneously prompts that the preferential policy of the consumption coupon can be really enjoyed only after the second transaction is carried out at the transaction user B1 in the effective period, otherwise, the preferential price part can be buckled. In this case, the ticket generally needs to be validated twice, but may be validated more than once, but the ticket is finally validated at the transaction user who issued the ticket. Of course, the resource to be verified can be jointly released by a plurality of transaction users, and at the moment, the resource to be verified can be configured to be required to be transacted at the user who jointly releases the consumption coupon, so that verification of the resource can be finally completed, and a preferential strategy of the resource is really enjoyed.

It can be seen that the first transaction user identifier may be an identifier of a user who issues a resource to be verified or an identifier of a user who assists in popularization, the number of the first transaction user identifiers may be plural, and the second transaction user identifier may be understood as an identifier of a transaction user who verifies the resource to be verified for the last time.

In some embodiments of the present description, the method further comprises:

And if the second resource verification request is not received within the valid period of the resource to be verified, deducting the resource corresponding to the first preferential amount from the payment account corresponding to the payment user identifier.

In a specific implementation process, if the payment user does not consume the transaction user corresponding to the second transaction user identifier specified by the resource to be verified in the valid period of the resource to be verified, that is, the second resource verification request is not received in the valid period of the resource to be verified, the resource to be verified can be considered to be invalid. At this time, the user can withdraw the discount of the transaction by using the resource to be verified for the first time, the resource corresponding to the first discount amount when the first resource is verified for the first time can be deducted from the payment account corresponding to the payment user identifier, and the deducted first discount amount can be transferred into the transaction account corresponding to the first transaction user identifier, so that loss cannot be caused to the transaction user corresponding to the first transaction user identifier.

The first preferential amount and the second preferential amount can be the same and can be different, and the first preferential amount can be 0 according to the protocol of the joint release user of the resources to be verified, namely, when the user uses the resources to be verified for the first time to conduct the transaction, the preferential discount can be avoided, but the preferential discount in the second transaction can be acquired, and the user is prompted to conduct the second transaction at the appointed transaction user in the validity period to enjoy the preferential discount, so that the user is stimulated to conduct active verification of the resources to be verified.

According to the transaction data processing method provided by the embodiment of the specification, the release and verification of the resources are jointly carried out by at least two transaction users, the configured resource verification protocol is required to be verified at least twice, and when the users use the resources to complete the first verification transaction, the users can be prompted to carry out the second transaction to the appointed transaction users within the appointed validity period, so that the benefits of the resources can be really enjoyed. The method has the advantages that the power of resource verification by a transaction user is improved, active verification of resources is realized, the conversion rate of the resources is further improved, meanwhile, the fact that the source of verification resources is the transaction user for first resource verification can be determined, accurate tracing of verification resources sources is realized, and a data basis is provided for analysis of follow-up resource release effects.

On the basis of the foregoing embodiments, in some embodiments of the present disclosure, after performing the second resource verification on the resource to be verified, the method further includes:

acquiring a last verification user of the resource to be verified according to the configuration information of the resource to be verified;

and if the transaction user corresponding to the second transaction user identifier is the last verification user, setting the state of the resource to be verified to be the verification completion.

In a specific implementation process, referring to the description of the foregoing embodiment, in this embodiment of the present disclosure, a standard of a canceling user may be configured for a resource to be canceled, and a last canceling user that must be canceled for a resource may be configured in the standard of the canceling user, where the last canceling user is typically a transaction user who issues the resource to be canceled. If the transaction user corresponding to the second transaction user identifier in the second resource verification request is the last verification user, the verification task of the resource to be verified can be determined to be completed, and the state of the resource to be verified can be set to be the verification completion. At this time, the transaction processing can be further performed on the first preferential amount in the suspended first resource cancellation request according to the configuration information of the resources to be cancelled, and the preferential payment user configured by the resources to be cancelled pays the partial preferential amount. If the transaction user corresponding to the second transaction user identifier is not the last verification user of the resource configuration to be verified, the resource to be verified can be continuously monitored until the resource verification request of the last verification user is received or the validity period of the resource to be verified is reached in the validity period of the resource to be verified.

According to the embodiment of the specification, the last verification user of the resource to be verified is set, so that verification transactions can be carried out on a plurality of transaction users (such as merchants) by the resource to be verified, and the terminal point of resource verification is set based on the set last verification user, so that multi-merchant combined resource marketing is realized, marketing cost is reduced, and resource conversion rate is improved.

In some embodiments of the present description, before receiving the first resource cancellation request, the method further includes:

Receiving a resource cancellation protocol association request, the resource cancellation protocol association request comprising: the resource to be verified, the first transaction user identifier and the second transaction user identifier;

And configuring the verification user standard and verification frequency standard of the resources to be verified according to the resource verification protocol association request.

In a specific implementation process, a transaction user may sign a resource verification and cancellation association protocol in advance, that is, perform joint verification of resources, and the transaction user signing the resource verification and cancellation association protocol may send a resource verification and cancellation association request to the payment platform, where the resource verification and cancellation association request may include: the resource to be verified, the first transaction user identification and the second transaction user identification. In addition, the resource cancellation protocol association request may further include transaction user-defined cancellation conditions such as: how much the transaction amount satisfies can be verified, the order of verifying the users, the verification times, etc. After the payment platform receives the resource verification protocol association request, a verification user standard and a verification number standard of the resources to be verified can be configured, wherein the verification user standard can comprise the verification sequence of verification users or the verification sequence of the last verification users, and the like, and the verification number standard can be understood as the minimum verification number, the maximum verification number, and the like of the resources. Based on the resources to be verified in the request, the first transaction user identifier and the second transaction user identifier, the users corresponding to the first transaction user identifier and the second transaction user identifier are configured as verification users of the resources to be verified, and meanwhile verification orders of the verification users can be configured. When the resource to be verified is verified, whether the resource to be verified is verified or not can be judged according to the configured verification user standard and verification frequency standard.

It should be noted that, in the embodiment of the present disclosure, the first transaction user identifier and the second transaction user identifier may be one or multiple and may be configured according to actual needs, and the embodiment of the present disclosure is not limited specifically.

According to the embodiment of the specification, the associated configuration of the verifying and verifying users can be carried out on the resources to be verified and verified in advance, so that the subsequent users can use the resources to be verified and verified at the positions of at least two transaction users, the conversion rate of the resources is improved, and the marketing cost is reduced.

In some embodiments of the present disclosure, after receiving the second resource cancellation request, the method further includes:

Determining whether the second resource verification request meets verification standards of the resources to be verified according to a second transaction amount in the second resource verification request and the verification transaction amount of the resources to be verified;

And if the second resource verification request meets the verification standard of the resource to be verified, determining a second payment amount and a second preferential amount of the second resource verification request according to the configuration information of the resource to be verified, and performing second resource verification on the resource to be verified.

In a specific implementation process, in some embodiments of the present disclosure, the configuration information of the resource may further include a verification standard of the resource to be verified, for example: the amount of the consumption to be satisfied, whether the transaction user is a verifying user, etc. Generally, when a user uses a resource to be verified to conduct a first transaction, the transaction amount may not be limited, so as to encourage the user to continue to use the resource to be verified to conduct a second transaction, and when the user uses the resource to be verified to conduct a second transaction, the transaction amount to be satisfied may be limited, so as to ensure that the resource to be verified can bring a certain benefit. Based on the above, when the second resource verification request is received, whether the current transaction request meets the verification standard of the resource to be verified or not can be judged according to the second transaction amount and the like in the second resource verification request. Such as: if the second transaction amount is greater than or equal to the verification transaction amount of the resource to be verified, it may be determined that the second resource verification request meets the verification standard of the resource to be verified, or the sum of the second transaction amount and the first transaction amount is greater than or equal to the verification transaction amount of the resource to be verified, and it may be determined that the second resource verification request meets the verification standard of the resource to be verified. And if the second resource verification request meets the verification standard of the resource to be verified, determining a second payment amount and a second preferential amount based on the configuration information of the resource to be verified, and performing second resource verification on the resource to be verified.

The transaction amount is compared with the verification transaction amount in the verification standard of the resource configuration to be verified, so that when the resource to be verified is verified, a certain transaction amount requirement can be met, and expected benefits can be brought to the resource to be verified.

In some embodiments of the present description, the method further comprises:

If the second resource verification request does not meet the verification standard of the resource to be verified, completing the second resource verification request according to a second transaction amount in the second resource verification request;

And continuing to time the validity period of the resource to be verified, and deducting the resource corresponding to the first preferential amount from the payment account corresponding to the payment user identifier if a second resource verification request meeting the verification standard of the resource to be verified is not received within the validity period of the resource to be verified.

In a specific implementation process, if it is determined that the second resource verification request does not meet the verification standard of the resource to be verified, the transaction request can be directly completed according to the second transaction amount in the second resource verification request, that is, the resource corresponding to the second transaction amount is deducted from the payment account corresponding to the payment user identifier and transferred to the transaction account corresponding to the second transaction user identifier. And meanwhile, continuing to time the validity period of the resource to be verified, if a second resource verification request meeting the verification standard of the resource to be verified is not received within the validity period of the resource to be verified, the resource to be verified is considered to fail to be verified, and the first preferential amount in the first resource verification is required to be deducted. And after determining that the verification of the resources to be verified fails, deducting the first preferential amount which is not deducted in the first verification of the resources from the payment account, and transferring the first preferential amount into the transaction account corresponding to the first transaction user identifier. If a second resource cancellation request meeting the cancellation criteria of the resource to be cancelled is received during the validity period of the resource to be cancelled, the resource to be cancelled is cancelled for the second time, and the specific operation may refer to the description of the foregoing embodiment, which is not repeated herein. The verification and approval transaction of the resources to be verified is carried out through the combination of multiple merchants, the first sharing and the later payment of the user are realized, the subsequent transaction behaviors are shared firstly, the conversion rate of the resources is improved, meanwhile, the source of the verified resources can be accurately determined, and a data foundation is laid for the effect analysis of the verification and approval of the resources.

On the basis of the foregoing embodiments, in some embodiments of the present disclosure, after the second resource verification of the resource to be verified is completed, the method includes:

Deducting the resources corresponding to the first preferential amount from the transaction account corresponding to the second transaction user identifier to the transaction account corresponding to the first transaction user identifier.

In a specific implementation process, in some embodiments of the present disclosure, for a resource verification transaction performed by two merchants in combination, a second user corresponding to a general second transaction user identifier is a user who issues a resource to be verified, and a first user corresponding to a first transaction user identifier is a user who helps the second user to popularize the resource to be verified. When the resource to be verified is verified for the second time, the verification of the resource to be verified can be considered to be completed, and at this time, the resource corresponding to the first preferential amount can be deducted from the transaction account corresponding to the second transaction user identifier to the transaction account corresponding to the first transaction user identifier. That is, the first preferential amount may be paid by the user corresponding to the second transaction user identifier that issued the resource to be verified, and the partial preferential amount may be understood as a consideration paid by the second user to the first user to promote the resource to be verified. If more than two merchants jointly conduct the transaction of the resources to be verified, namely a plurality of verification users are associated in the resources to be verified, the last verification user can pay the preferential amount of other transaction users when verifying the resources to be verified.

Of course, the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier may also be a payor of the preferential amount, for example: the first transaction user identifier may not collect the first preferential amount, i.e. pay the first preferential amount by itself, or may be a designated preferential payment user such as: paymate, online shopping platform, authorities, etc., embodiments of the present specification are not particularly limited. By designating the preferential payment user, the rights and interests of the transaction user with the resource verification are ensured not to be damaged, and the win-win of the transaction of the consumption ticket is realized.

Fig. 2 is a flow chart of a method for performing a resource cancellation transaction at a first transaction user terminal side in some embodiments of the present disclosure, where the first transaction user terminal may be a computer, a tablet computer, a smart phone, etc., and as shown in fig. 2, the method may include:

step 202, a first payment request is received, wherein the first payment request comprises a payment user identifier and a resource to be verified.

In a specific implementation process, when a user pays, the user can choose to use the resource to be verified to withhold or enjoy the corresponding rights, and when the user (i.e. the payment user) chooses to use the resource to be verified to conduct the transaction, the transaction user can receive a first payment request sent by the payment user, where the first payment request can include the payment user identifier and the resource to be verified, and of course, the first payment request can also include information such as a first transaction amount.

Step 204, a first resource verification request is sent to a payment platform, where the first resource verification request includes a first transaction amount, a first transaction user identifier, the payment user identifier, and the resource to be verified, so that the payment platform performs first resource verification on the resource to be verified, and completes second resource verification on the resource to be verified after receiving a second resource verification request within a valid period of the resource to be verified.

In a specific implementation process, after receiving a first payment request sent by a payment user, a transaction user may send a first resource verification request to a payment platform through a client, for example: and the payment user selects to use the resources to be verified to conduct payment transaction on the payment page, submits a payment request, and after receiving the payment request, the transaction user can submit a first resource verification request to the payment platform. The first resource verification request may include a first transaction amount of the current transaction, a first transaction user identifier, a payment user identifier, and a resource to be verified, where the resource to be verified may be an identifier or a number of the resource to be verified.

After receiving the first resource verification request sent by the transaction user, the payment platform can perform first resource verification on the resource to be verified, and perform second resource verification on the resource to be verified after receiving the second resource verification request within the valid period of the resource to be verified. The process of first resource verification and second resource verification may refer to the description of the above embodiment, and will not be repeated here.

Fig. 3 is a schematic flow chart of a method for performing a side-entry resource verification transaction in some embodiments of the present disclosure, where the second transaction user terminal may be a computer, a tablet, a smart phone, etc., as shown in fig. 3, and the method may include:

Step 302, receiving a second payment request, where the second payment request includes a payment user identifier and a resource to be verified.

In a specific implementation process, referring to the description of the foregoing embodiment, when the user uses the resource to be verified to perform the second consumption transaction at the designated transaction user, the second payment request may be submitted to the user corresponding to the second transaction user identifier. The second payment request may include information such as a payment user identifier and a resource to be verified, and may further include information such as a second transaction amount.

Step 304, determining whether the to-be-verified resource is currently in the valid period, if yes, sending a second resource verification request to a payment platform, wherein the second resource verification request comprises a second transaction amount, a second transaction user identifier, the payment user identifier and the to-be-verified resource, so that the payment platform performs second resource verification on the to-be-verified resource, and completes second resource verification of the to-be-verified resource in the valid period of the to-be-verified resource.

In a specific implementation process, after the terminal of the transaction user corresponding to the second transaction user identifier receives the second payment request, whether the resource to be verified is currently in the valid period or not can be judged, if so, a second resource verification request can be sent to the payment platform, and the second resource verification request can include a second transaction amount, the resource to be verified, the payment user identifier and the second transaction user identifier. Similar to the first resource cancellation of the resource to be cancelled. After receiving the first resource verification request, the payment platform can perform second resource verification on the resource to be verified. The process of first resource verification and second resource verification may refer to the description of the above embodiment, and will not be repeated here.

The first transaction user terminal and the second transaction user terminal may further include other methods in the resource verification transaction processing process, and specifically refer to the description of the embodiment of the payment platform side, which is not described herein again.

According to the transaction data processing method provided by the embodiment of the specification, the associated verification and sale transaction of the resource is carried out by combining at least two transaction users, the users can enjoy certain preferential when carrying out the first verification and sale transaction by using the resource, and the users are prompted to carry out the second transaction to the appointed transaction users within the appointed validity period so as to really enjoy the preferential. The dynamic of resource verification by the transaction user is improved, the conversion rate of the resources is further improved, meanwhile, the source of verification resources can be determined to be the transaction user for first resource verification, and a data base is provided for effect analysis brought by the resources.

Fig. 4 is a schematic diagram of two usage flows of coupons in one scenario example of the present specification, fig. 5 is a schematic timing diagram of coupon cancellation in one scenario example of the present specification, and a coupon may be understood as an example of resources in the above embodiment, and the following specifically describes the process of resource cancellation transaction in the embodiment of the present specification with reference to fig. 4 and 5:

As shown in fig. 4 and fig. 5, in this scenario example of the present specification, there are two merchants B1 and B2, that is, the merchant corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier in the foregoing embodiment. Merchant B1 may configure and issue coupon A1 for merchant B2, an example of the resources described in the above embodiments, in its own store or platform. As shown in FIG. 5, a merchant B1 coupon Y element and a merchant B2 coupon S element can be configured in the coupon A1, and meanwhile, a user also needs to sign a substitute button specified by the activity of B1 or B2 when the user obtains the coupon so as to realize the transaction of first sharing and then paying.

The user, namely the payment user in the embodiment, can issue the coupon A1 according to the activities participated by the user before taxi taking, bicycle sharing, bus and subway, railway and other travel scenes, or various payment scenes in restaurant ordering and living or other scenes are paid through the network electronic platform. Coupon A1 may pre-pay the expected revenue by the amount of the configured coupon for merchant B1 and frozen, and the payment pipelining identification may be 123. As shown in fig. 4, when a transaction is performed with the merchant B1, the user may choose to pay directly or pay using a coupon, and if the user selects the coupon payment, the user may pay X elements to the merchant B1 in advance and may automatically receive the preferential amount from the merchant B2. As shown in fig. 4, when the user performs a transaction on the merchant B1 side, the user may directly prepay the transaction amount X without a discount, but may receive a discount off the merchant B2. In the transaction process with the merchant B1, as shown in fig. 5, when the user performs the first resource verification transaction of the consumption coupon with the merchant B1, it may determine that the payment amount=the total payment amount X-the coupon amount y=z element for the first transaction according to the coupon policy configured by the coupon A1, the merchant B1 may successfully collect the Z element from the payment platform, and the coupon amount Y element of the coupon A1 is suspended. The user side displays the successful payment X element and informs the user of the actual payment Z element, wherein Y element is the payment of merchant B2, and if the coupon A1 rule is not reached, the Y element is deducted.

Coupon A1 may be automatically activated to begin automatic timing after use of the payment transaction by payment pipeline 123, based on the expiration date specified at the time of issuance. If the payment user consumes at the business location of the merchant B2 designated by the coupon A1 within the validity period, the payment running water identifier is 456, and if the consumption amount of the payment running water 456 reaches the verification standard of the coupon A1, the payment user is defrosted according to the payment vertical reduction benefit and the frozen benefit obtained by the payment running water 123, and the payment vertical reduction benefit and the frozen benefit can be directly reflected or take effect according to the corresponding rights. Meanwhile, statistics through payment pipeline 456 may complete the B-side marketing commission of merchants B1 and B2 through the blockchain. As shown in fig. 4, if the payment user's reddish color is consumed by a designated merchant B1 within the validity period of the coupon A1, the reddish color may enjoy the coupon A1's preference at merchant B2, and the pre-payment at merchant B1 does not need to be paid again. As shown in fig. 5, in the transaction between the payment user and the merchant B2, according to the configuration information of the coupon A1, it may be determined that the payment amount=the total payment amount R element-the preferential amount S element=t element, the merchant B2 may directly collect the T element from the payment user side, and the coupon A1 may be approved for completion, and the user side may also display that the payment is completed. Meanwhile, the Y element may also be returned by merchant B2 to merchant B1 according to the protocol of coupon A1.

If the payment user consumes at the business location of the designated merchant B2 in the valid period of the coupon A1, but the consumption amount does not reach the verification standard of the coupon A1, or the payment user does not consume at the business location of the designated merchant B2 in the valid period of the coupon, the payment user directly deducts the account money for payment through the substitute deduction according to the equivalent amount of the standing and frozen benefits of the payment obtained by the payment running water 123. As shown in fig. 4, when the user performs a transaction at the merchant B1, a prepayment substitute may be performed, and when the civilization does not reach the merchant B2 for consumption within the time designated by the coupon A1, the merchant B1 may request an automatic deduction X element from the payment platform, and the prepayment state of the coupon A1 is disabled. As shown in fig. 5, the scene transaction timing that is not verified during the validity period is: if the specified transaction is not completed within the validity period of the coupon A1, the payment platform can inform the merchant B1 and the merchant B2 of the uncombusted state of the coupon, and then the merchant B1 or B2 initiates deduction according to the protocol of the coupon A1, and the deduction Y element is given to the merchant B1 from the account of the payment user. If the deduction fails, it is necessary for merchants B1, B2 to negotiate how the loss of this portion is handled.

According to the embodiment of the specification, the issuing and verifying of the consumption coupons are jointly carried out by multiple merchants, the pre-standing subtraction and the rights of the electronic coupons in the associated former merchants are improved by a user, the transaction of the user in the subsequent associated merchants is improved, the active verifying of the coupons is realized, and the issuing and verifying of the consumption coupons by the cross-merchants and the credit of zero threshold are carried out by first sharing and then paying, and the subsequent transaction behavior is carried out by first sharing and then paying instead of cash of the original merchant, so that the verifying rate of the coupons is improved, and the marketing cost is reduced.

In the present specification, each embodiment of the method is described in a progressive manner, and the same and similar parts of each embodiment are referred to each other, and each embodiment mainly describes differences from other embodiments. Reference is made to the description of parts of the method embodiments where relevant.

Based on the transaction data processing method, one or more embodiments of the present disclosure further provide an apparatus for transaction data processing. The system may include devices (including distributed systems), software (applications), modules, components, servers, clients, etc. that use the methods described in embodiments of the present description in combination with the necessary devices to implement the hardware. Based on the same innovative concepts, the embodiments of the present description provide means in one or more embodiments as described in the following embodiments. Because the implementation schemes and methods of the device for solving the problems are similar, the implementation of the device in the embodiments of the present disclosure may refer to the implementation of the foregoing method, and the repetition is omitted. As used below, the term "unit" or "module" 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.

Specifically, fig. 6 is a schematic block diagram of an embodiment of a transaction data processing device provided in the present specification, which may be immediately a paymate in the above embodiment, as shown in fig. 6, where the transaction data processing device provided in the present specification may include:

a first transaction request receiving module 61, configured to receive a first resource verification request, where the first resource verification request includes a first transaction amount, a first transaction user identifier, a payment user identifier, and a resource to be verified;

the first resource verification module 62 is configured to determine a first payment amount and a first preferential amount of the first resource verification request according to the configuration information of the resource to be verified and the first transaction amount, and perform a first resource verification on the resource to be verified;

A second transaction request receiving module 63, configured to receive a second resource cancellation request during the validity period of the resource to be cancelled, where the second resource cancellation request includes a second transaction amount, the resource to be cancelled, the payment user identifier, and a second transaction user identifier; wherein, the user corresponding to the first transaction user identifier and the user corresponding to the second transaction user identifier are agreement association verifying users of the resources to be verified;

And a second resource verification module 64, configured to determine a second payment amount and a second preferential amount of the second resource verification request according to the configuration information of the resource to be verified and the second transaction amount, and perform second resource verification on the resource to be verified.

In some embodiments of the present disclosure, the apparatus further includes a substitute buckle module configured to:

and if the second transaction request receiving module does not receive the second resource verification request within the valid period of the resource to be verified, deducting the resource corresponding to the first preferential amount from the payment account corresponding to the payment user identifier.

Fig. 7 is a schematic block diagram of an embodiment of a transaction data processing device provided in the present specification, which may be the first transaction user terminal in the above embodiment, as shown in fig. 7, and the transaction data processing device provided in the present specification may include:

A first payment request receiving module 71, configured to receive a first payment request, where the first payment request includes a payment user identifier and a resource to be verified;

A first cancellation request module 72, configured to send a first resource cancellation request to a paymate, where the first resource cancellation request includes a first transaction amount, a first transaction user identifier, the paymate user identifier, and the resource to be cancelled, so that the paymate performs a first resource cancellation on the resource to be cancelled, and completes a second resource cancellation on the resource to be cancelled within a validity period of the resource to be cancelled.

Fig. 8 is a schematic block diagram of an embodiment of a transaction data processing device provided in the present specification, which may be the second transaction user terminal in the above embodiment, as shown in fig. 8, and the transaction data processing device provided in the present specification may include:

a second payment request receiving module 81, configured to receive a second payment request, where the second payment request includes a payment user identifier and a resource to be verified;

And a second verifying and verifying request module 82, configured to determine whether the to-be-verified resource is currently in the validity period, if so, send a second resource verifying and verifying request to the paymate, where the second resource verifying and verifying request includes a second transaction amount, a second transaction user identifier, the paymate identifier, and the to-be-verified resource, so that the paymate performs second resource verifying and verifying on the to-be-verified resource, and completes the second resource verifying and verifying of the to-be-verified resource in the validity period of the to-be-verified resource.

According to the transaction data processing device provided by the embodiment of the specification, the associated verification and sale transaction of the resource is carried out through the combination of at least two transaction users, the users can enjoy certain preferential effects when carrying out the first verification and sale transaction by using the resource, and the users are prompted to carry out the second transaction to the appointed transaction users within the appointed validity period so as to really enjoy the preferential effects. The dynamic of resource verification by the transaction user is improved, the conversion rate of the resources is further improved, meanwhile, the source of verification resources can be determined to be the transaction user for first resource verification, and a data base is provided for effect analysis brought by the resources.

It should be noted that the above-mentioned device according to the description of the corresponding method embodiment may also include other embodiments. Specific implementation manner may refer to the description of the corresponding method embodiments, which is not described herein in detail.

The embodiment of the specification also provides a transaction data processing device, including: at least one processor and a memory for storing processor-executable instructions that when executed implement the transaction data processing methods of the above embodiments, such as:

Or, receiving a first payment request, wherein the first payment request comprises a payment user identifier and a resource to be verified;

Or, receiving a second payment request, wherein the second payment request comprises a payment user identifier and a resource to be verified;

The embodiment of the specification also provides a transaction data processing system, which comprises: the payment platform, the payment user terminal and at least two transaction user terminals; the payment platform comprises at least one processor and a memory for storing instructions executable by the processor, wherein the processor is used for realizing the method in the embodiment of the payment platform when executing the instructions and is used for conducting resource verification processing on resources to be verified;

The transaction user terminal comprises at least one processor and a memory for storing instructions executable by the processor, wherein the processor is used for realizing the method in the first transaction user terminal or the second transaction user terminal embodiment when executing the instructions, and is used for receiving a payment request sent by the payment terminal and sending a resource verification transaction request to the payment platform so as to enable the payment platform to verify resources to be verified.

It should be noted that the above description of the apparatus and system according to the method embodiments may also include other implementations. Specific implementation may refer to descriptions of related method embodiments, which are not described herein in detail.

The transaction data processing device provided by the specification can also be applied to various data analysis processing systems. The system or server or terminal or device may be a separate server or may include a server cluster, a system (including a distributed system), software (applications), an actual operating device, a logic gate device, a quantum computer, etc. using one or more of the methods or one or more embodiments of the present description in combination with necessary hardware implementation. The detection system for reconciling discrepancy data may comprise at least one processor and a memory storing computer executable instructions that when executed by the processor perform the steps of the method described in any one or more of the embodiments described above.

The method embodiments provided in the embodiments of the present specification may be performed in a mobile terminal, a computer terminal, a server, or similar computing device. Taking the example of running on a server, fig. 9 is a block diagram of the hardware structure of the transaction data processing server in one embodiment of the present specification, and the computer terminal may be the transaction data processing server or the transaction data processing apparatus in the above embodiment. The server 10 as shown in fig. 9 may include one or more (only one is shown in the figure) processors 100 (the processors 100 may include, but are not limited to, a microprocessor MCU or a processing device such as a programmable logic device FPGA), a nonvolatile memory 200 for storing data, and a transmission module 300 for communication functions. It will be appreciated by those skilled in the art that the configuration shown in fig. 9 is merely illustrative and is not intended to limit the configuration of the electronic device. For example, server 10 may also include more or fewer components than shown in FIG. 9, for example, may also include other processing hardware such as a database or multi-level cache, a GPU, or have a different configuration than that shown in FIG. 9.

The nonvolatile memory 200 may be used to store software programs and modules of application software, such as program instructions/modules corresponding to the transaction data processing method in the embodiment of the present disclosure, and the processor 100 executes the software programs and modules stored in the nonvolatile memory 200 to perform various functional applications and resource data updates. The non-volatile memory 200 may include high speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid state memory. In some examples, the non-volatile memory 200 may further include memory located remotely from the processor 100, which may be connected to the computer terminal via a network. Examples of such networks include, but are not limited to, the internet, intranets, office and networks, mobile communication networks, and combinations thereof.

The transmission module 300 is used to receive or transmit data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider of a computer terminal. In one example, the transmission module 300 includes a network adapter (Network Interface Controller, NIC) that can connect to other network devices through a base station to communicate with the internet. In one example, the transmission module 300 may be a Radio Frequency (RF) module for communicating with the internet wirelessly.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The method or apparatus according to the foregoing embodiments provided in the present specification may implement service logic through a computer program and be recorded on a storage medium, where the storage medium may be read and executed by a computer, to implement effects of the solutions described in the embodiments of the present specification, for example:

The storage medium may include physical means for storing information, typically by digitizing the information before storing it in an electronic, magnetic, or optical medium. The storage medium may include: means for storing information using electrical energy such as various memories, e.g., RAM, ROM, etc.; devices for storing information using magnetic energy such as hard disk, floppy disk, magnetic tape, magnetic core memory, bubble memory, and USB flash disk; devices for optically storing information, such as CDs or DVDs. Of course, there are other ways of readable storage medium, such as quantum memory, graphene memory, etc.

The transaction data processing method or device provided in the embodiments of the present disclosure may be implemented in a computer by executing corresponding program instructions by a processor, for example, implemented on a PC side using the c++ language of a windows operating system, implemented by a linux system, or implemented on an intelligent terminal using, for example, android, iOS system programming languages, and implemented based on processing logic of a quantum computer.

It should be noted that, the descriptions of the apparatus, the computer storage medium, and the system according to the related method embodiments described in the foregoing description may further include other implementations, and specific implementation manners may refer to descriptions of corresponding method embodiments, which are not described herein in detail.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are referred to each other, and each embodiment is mainly described in a different manner from other embodiments. In particular, for a hardware + program class embodiment, the description is relatively simple as it is substantially similar to the method embodiment, and reference is made to the partial description of the method embodiment where relevant.

Embodiments of the present description are not limited to situations in which industry communication standards, standard computer resource data updates, and data storage rules must be met or described in one or more embodiments of the present description. Some industry standards or embodiments modified slightly based on the implementation described by the custom manner or examples can also realize the same, equivalent or similar or predictable implementation effect after modification of the above examples. Examples of data acquisition, storage, judgment, processing, etc., using these modifications or variations may still fall within the scope of alternative implementations of the examples of this specification.

In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable GATE ARRAY, FPGA)) is an integrated circuit whose logic functions are determined by user programming of the device. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented with "logic compiler (logic compiler)" software, which is similar to the software compiler used in program development and writing, and the original code before being compiled is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but HDL is not just one, but a plurality of kinds, such as ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(JavaHardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language), and VHDL (very-high-SPEED INTEGRATED Circuit Hardware Description Language) and verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application SPECIFIC INTEGRATED Circuits (ASICs), programmable logic controllers, and embedded microcontrollers, examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a car-mounted human-computer interaction device, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

Although one or more embodiments of the present description provide method operational steps as described in the embodiments or flowcharts, more or fewer operational steps may be included based on conventional or non-inventive means. The order of steps recited in the embodiments is merely one way of performing the order of steps and does not represent a unique order of execution. In actual implementation of the apparatus or the terminal product, the methods illustrated in the embodiments or the drawings may be performed sequentially or in parallel (e.g., in a parallel processor or a multi-threaded processing environment, or even in a distributed resource data update environment). 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, it is not excluded that additional identical or equivalent elements may be present in a process, method, article, or apparatus that comprises a described element. The terms first, second, etc. are used to denote a name, but not any particular order.

For convenience of description, the above devices are described as being functionally divided into various modules, respectively. Of course, when one or more of the present description is implemented, the functions of each module may be implemented in the same piece or pieces of software and/or hardware, or a module that implements the same function may be implemented by a plurality of sub-modules or a combination of sub-units, or the like. The above-described apparatus embodiments are merely illustrative, for example, the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, for example, multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) 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 resource data updating apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable resource data updating 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 resource data updating 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 resource data updating 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, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

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, read only compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage, graphene 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.

One skilled in the relevant art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Moreover, one or more embodiments of the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are referred to each other, and each embodiment is mainly described in a different manner from other embodiments. In particular, for system embodiments, the description is relatively simple as it is substantially similar to method embodiments, and reference is made to the section of the method embodiments where relevant. In the description of the present specification, a description referring to terms "one embodiment," "some embodiments," "examples," "specific examples," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present specification. In this specification, schematic representations of the above terms are not necessarily directed to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, the different embodiments or examples described in this specification and the features of the different embodiments or examples may be combined and combined by those skilled in the art without contradiction.

The foregoing is merely an example of one or more embodiments of the present specification and is not intended to limit the one or more embodiments of the present specification. Various modifications and alterations to one or more embodiments of this description will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, or the like, which is within the spirit and principles of the present specification, should be included in the scope of the claims.

Claims

1. A transaction data processing method, the method comprising:

receiving a first resource write-off request, wherein the first resource write-off request includes a first transaction amount, a first transaction user identifier, a paying user identifier, and resources to be written off;

Determine a first payment amount and a first preferential amount of the first resource write-off request according to the configuration information of the resource to be written off and the first transaction amount, and perform a first resource write-off on the resource to be written off;

receiving a second resource write-off request within the validity period of the resource to be written off, wherein the second resource write-off request includes a second transaction amount, the resource to be written off, the payment user identifier, and a second transaction user identifier;

Determine a second payment amount and a second preferential amount of the second resource write-off request according to the configuration information of the resource to be written off and the second transaction amount, and perform a second resource write-off on the resource to be written off;

If the write-off task of the resources to be written off is completed, the preferential payment user configured for the resources to be written off will pay the first preferential amount; if the write-off task of the resources to be written off is not completed, the resources corresponding to the first preferential amount will be deducted from the payment account corresponding to the payment user identifier.

2. The method of claim 1, further comprising:

If the second resource write-off request is not received within the validity period of the to-be-written resources, the resources corresponding to the first preferential amount are deducted from the payment account corresponding to the payment user identifier.

3. The method according to claim 1, after performing a second resource write-off on the resource to be written off, further comprising:

According to the configuration information of the resource to be written off, obtaining the last written-off user of the resource to be written off;

Determine whether the transaction user corresponding to the second transaction user identifier is the last write-off user.

4. The method according to claim 1, wherein after the write-off task of the resource to be written off is completed, the method further comprises:

Set the status of the resource to be written off to written off completed.

5. The method according to claim 1, after the first resource write-off of the resource to be written off, further comprising:

The validity period of the resource to be written off is activated and the validity period timing is started.

6. The method according to claim 1, after receiving the second resource write-off request, the method further comprises:

Determining whether the second resource write-off request meets the write-off criteria of the resource to be written off according to the second transaction amount in the second resource write-off request and the write-off transaction amount of the resource to be written off;

If it is determined that the second resource write-off request meets the write-off criteria of the resource to be written off, a second payment amount and a second preferential amount of the second resource write-off request are determined according to the configuration information of the resource to be written off, and a second resource write-off is performed on the resource to be written off.

7. The method of claim 6, further comprising:

If it is determined that the second resource write-off request does not meet the write-off standard of the resource to be written off, completing the second resource write-off request according to the second transaction amount in the second resource write-off request;

The validity period of the resource to be written off continues to be counted. If a second resource writing request that meets the writing criteria of the resource to be written off is not received within the validity period of the resource to be written off, the resource corresponding to the first preferential amount is deducted from the payment account corresponding to the payment user identifier.

8. The method according to claim 1, after the write-off task of determining the resources to be written off is completed, the method comprises:

The resources corresponding to the first preferential amount are deducted from the transaction account corresponding to the second transaction user identifier and transferred to the transaction account corresponding to the first transaction user identifier.

9. The method according to claim 1, before receiving the first resource write-off request, the method further comprises:

receiving a resource write-off agreement association request, wherein the resource write-off agreement association request includes: the resource to be written off, the first transaction user identifier, and the second transaction user identifier;

According to the resource write-off agreement association request, the write-off user standard and the write-off frequency standard of the resource to be written off are configured.

10. The method according to claim 1, wherein determining the first payment amount and the first preferential amount of the first resource write-off request according to the configuration information of the resource to be written off and the first transaction amount, and performing a first resource write-off on the resource to be written off comprises:

Determining a first payment amount and a first preferential amount of the first resource write-off request according to the configuration information of the resource to be written off and the first transaction amount;

deducting the first payment amount from the payment account corresponding to the payment user identifier and transferring it into the transaction account corresponding to the first transaction user identifier;

The resources to be written off are written off for the first time, and the transaction status of the first preferential amount is set to a suspended status.

11. The method according to claim 1, after performing the first resource write-off on the resource to be written off, further comprising:

The payment of the first transaction amount is shown to the paying user; wherein, the first payment amount is actually paid, and the first preferential amount is paid by the preferential paying user on behalf of the paying user, and the paying user is prompted that if the subsequent resources to be written off do not complete the specified write-off transaction, the first preferential amount will be deducted on behalf of the paying user.

12. The method of claim 1, further comprising:

After receiving a transaction request for using the resource to be written off for a transaction, determining whether the transaction user identifier in the transaction request is a write-off user of the resource to be written off;

If the transaction user identifier in the transaction request is the write-off user of the to-be-written-off resources, determining whether the user corresponding to the transaction user identifier is a user associated with the user corresponding to the first transaction user identifier by agreement;

If the user corresponding to the transaction user identifier is a user who is protocol-associated with the user corresponding to the first transaction user identifier, it is determined that the transaction request is the second resource write-off request.

13. A transaction data processing method, the method comprising:

receiving a first payment request, wherein the first payment request includes a paying user identifier and resources to be written off;

A first resource write-off request is sent to a payment platform, wherein the first resource write-off request includes a first transaction amount, a first transaction user identifier, the payment user identifier, and the resources to be written off, so that the payment platform performs a first resource write-off on the resources to be written off, and completes a second resource write-off on the resources to be written off after receiving a second resource write-off request within the validity period of the resources to be written off.

14. A transaction data processing method, the method comprising:

receiving a second payment request, wherein the second payment request includes a paying user identifier and resources to be written off;

Determine whether the resource to be written off is currently within the validity period. If so, send a second resource writing-off request to the payment platform. The second resource writing-off request includes a second transaction amount, a second transaction user ID, the payment user ID and the resource to be written off, so that the payment platform performs a second resource writing-off on the resource to be written off.

15. A transaction data processing device, comprising:

A first transaction request receiving module, configured to receive a first resource write-off request, wherein the first resource write-off request includes a first transaction amount, a first transaction user identifier, a paying user identifier, and resources to be written off;

A first resource write-off module, configured to determine a first payment amount and a first preferential amount of the first resource write-off request according to the configuration information of the resource to be written off and the first transaction amount, and to perform a first resource write-off on the resource to be written off;

A second transaction request receiving module, configured to receive a second resource write-off request within the validity period of the resource to be written off, wherein the second resource write-off request includes a second transaction amount, the resource to be written off, the payment user identifier, and a second transaction user identifier;

The second resource write-off module is used to determine the second payment amount and the second preferential amount of the second resource write-off request according to the configuration information of the resource to be written off and the second transaction amount, and perform a second resource write-off on the resource to be written off; if the write-off task of the resource to be written off is completed, the first preferential amount shall be paid by the preferential payment user configured for the resource to be written off; if the write-off task of the resource to be written off is not completed, the resource corresponding to the first preferential amount shall be deducted from the payment account corresponding to the payment user identifier.

16. A transaction data processing device, comprising:

A first payment request receiving module, configured to receive a first payment request, wherein the first payment request includes a paying user identifier and resources to be written off;

The first write-off request module is used to send a first resource write-off request to the payment platform, wherein the first resource write-off request includes a first transaction amount, a first transaction user identifier, the payment user identifier and the resource to be written off, so that the payment platform performs a first resource write-off on the resource to be written off, and completes a second resource write-off on the resource to be written off after receiving a second resource write-off request within the validity period of the resource to be written off.

17. A transaction data processing device, comprising:

A second payment request receiving module, configured to receive a second payment request, wherein the second payment request includes a paying user identifier and resources to be written off;

The second write-off request module is used to determine whether the resource to be written off is currently within the validity period. If so, a second resource write-off request is sent to the payment platform. The second resource write-off request includes a second transaction amount, a second transaction user identifier, the payment user identifier and the resource to be written off, so that the payment platform performs a second resource write-off on the resource to be written off.

18. A transaction data processing device, comprising: at least one processor and a memory for storing processor executable instructions, wherein the processor implements the method according to any one of claims 1 to 14 when executing the instructions.

19. A transaction data processing system, comprising: a payment platform, a payment user terminal, and at least two transaction user terminals; wherein the payment platform comprises at least one processor and a memory for storing processor executable instructions, and when the processor executes the instructions, the method according to any one of claims 1 to 12 is implemented, for performing resource write-off processing on resources to be written off;

The payment user terminal includes at least one processor and a memory for storing processor executable instructions, and the processor sends a payment request to the payment platform or the transaction user terminal when executing the instructions;

The transaction user terminal includes at least one processor and a memory for storing processor executable instructions. When the processor executes the instructions, it implements the method described in claim 13 or 14, which is used to receive the payment request sent by the payment user terminal and send a resource write-off request to the payment platform so that the payment platform writes off the resources to be written off.