CN-122022807-A - Transaction data processing method, related device, equipment and storage medium

Abstract

The application discloses a transaction data processing method, which is used in the technical field of Internet. The method comprises the steps of determining corresponding transfer currency when the second currency is the currency limited by exchange through receiving a money transfer transaction request initiated by a first account to a second account receiving the second currency, generating a second numerical value corresponding to the second currency through the exchange rate currency of the first currency and the transfer currency and the exchange rate of the transfer currency and the second currency, and displaying the second numerical value through generating a display instruction to enable a terminal to clearly know the exchangeable second currency amount of the first currency by a user, so that the interactive consistency of the user is ensured.

Inventors

• ZOU WEN

Assignees

• 腾讯科技（深圳）有限公司

Dates

Publication Date

20260512

Application Date

20260129

Claims (18)

1. 1. A method of processing transaction data, comprising: receiving a transaction request instruction to remit money from a first currency of a first value in a first account to a second account receiving a second currency; If the second currency is the currency limited by the exchange, matching the second currency with the currency limited by the exchange in the configuration information of the clearing currency, and determining the transfer currency corresponding to the second currency; Generating a second value corresponding to the second currency according to the first value corresponding to the first currency, the exchange rate of the first currency and the transfer currency and the exchange rate of the transfer currency and the second currency; generating a second numerical value display instruction according to the second numerical value; And sending the second numerical value display instruction to a terminal so that the terminal displays a second numerical value of the second currency exchanged for the first currency of the first numerical value.
2. 2. The method of claim 1, wherein generating the second value for the second currency based on the first value for the first currency, the rate of exchange of the first currency with the transfer currency, and the rate of exchange of the transfer currency with the second currency comprises: Generating a first budget value corresponding to the transfer currency according to the exchange rate of the first currency and the transfer currency and a first value corresponding to the first currency; And generating a second value corresponding to the second currency according to the exchange rate of the transfer currency and the second currency and the first budget value corresponding to the transfer currency.
3. 3. The method of claim 1, wherein generating the second value for the second currency based on the first value for the first currency, the rate of exchange of the first currency with the transfer currency, and the rate of exchange of the transfer currency with the second currency comprises: generating exchange rates of the first currency and the second currency according to the exchange rates of the first currency and the transfer currency and the exchange rates of the transfer currency and the second currency; and generating a second value corresponding to the second currency according to the first value corresponding to the first currency and the exchange rate of the first currency and the second currency.
4. 4. The method of claim 1, wherein the method further comprises: receiving a transaction confirmation instruction for a first currency to be paid out of the first value by the first account and a second currency to be received by the second account; Generating a first budget value corresponding to the transfer currency according to the exchange rate of the first currency and the transfer currency and a first value corresponding to the first currency; controlling the first currency of the first value to be transferred from the first account to the account of the first object; Controlling transfer currency of the first budget value to be transferred from the account of the first object to the account of the second object; Generating a transfer request instruction for transferring a second currency of the second value to the second account according to the second value and the second account; Sending the transfer request instruction to the second object so that the second object transfers the second currency of the second value to the second account according to the transfer request instruction; Receiving transfer success information sent by the second object; Generating transaction success information according to the transfer success information, wherein the transaction success information is used for representing transaction success information of first currency of a first value paid out by a first account and second currency of a second value received by a second account; and sending the transaction success information to the terminal so that the terminal displays the transaction success information.
5. 5. The method of claim 4, wherein the method further comprises: Generating first header information according to the first value, the identification information of the first currency, the first budget value and the identification of the transit currency, wherein the first header information is used for recording the first currency of the first object, which is received by the account of the first object, and the corresponding relation between the first currency of the first value and the transit currency of the first budget value; Generating second position information according to the first budget value, the identification of the transfer currency, the second value and the identification of the second currency, wherein the second position information is used for recording the transfer currency of the first budget value and the corresponding relation between the transfer currency of the first budget value and the second currency of the second value of the account of the first object; and generating transaction information according to the first position information and the second position information.
6. 6. The method of claim 4, wherein the method further comprises: receiving transaction accounting information sent by the second object, wherein the transaction accounting information comprises a first actual value corresponding to the transit currency actually consumed when the second object honors the second currency of the second value; Generating a first difference corresponding to the transfer currency according to the first budget value and the first actual value of the transfer currency; And generating account moving information according to the first value, the identification information of the first currency, the first budget value, the identification of the transfer currency, the identification of the second currency and the first balance.
7. 7. The method of claim 1, wherein the method further comprises: generating exchange rates of the first currency and the second currency according to the exchange rates of the first currency and the transfer currency and the exchange rates of the transfer currency and the second currency; Generating a conversion rate display instruction according to the conversion rates of the first currency and the second currency; And sending the exchange rate display instruction to the terminal so that the terminal displays the exchange rates of the first currency and the second currency.
8. 8. The method of claim 1, wherein the method further comprises: Generating a first transaction fee value according to the first value, the exchange rate of the first currency and the transfer currency and the exchange rate of the transfer currency and the second currency; generating a commission display instruction according to the first transaction commission value; and sending the commission fee display instruction to the terminal so that the terminal displays the first transaction commission fee value.
9. 9. The method of claim 1, wherein the method further comprises: receiving a transaction request instruction to remit money from a first currency in a first account to a second account receiving a second currency of a third value; In the case that the second currency is the currency limited by the exchange, matching the second currency with the currency limited by the exchange in the configuration information of the clearing currency, and determining a transit currency corresponding to the second currency; Generating a fourth value corresponding to the first currency according to the third value of the second currency, the exchange rate of the first currency and the transfer currency and the exchange rate of the transfer currency and the second currency; Generating a fourth numerical value display instruction according to the fourth numerical value; and sending the fourth value display instruction to the terminal so that the terminal displays a fourth value of the first currency corresponding to the second currency converted into the third value.
10. 10. The method of claim 9, wherein generating the fourth value corresponding to the first currency based on the third value for the second currency, the rate of exchange of the first currency with the transfer currency, and the rate of exchange of the transfer currency with the second currency comprises: generating a second budget value corresponding to the transfer currency according to the exchange rate of the transfer currency and the second currency and a third value corresponding to the second currency; and generating a fourth value corresponding to the first currency according to the exchange rate of the first currency and the transfer currency and the second budget value corresponding to the transfer currency.
11. 11. The method of claim 9, wherein generating the fourth value corresponding to the first currency based on the third value of the second currency, the first currency and the transfer currency exchange rate, and the transfer currency and the second currency exchange rate, comprises: generating a second budget value corresponding to the transfer currency according to the exchange rate of the transfer currency and the second currency and a third value corresponding to the second currency; Generating a fifth value of the first currency according to the exchange rate of the first currency and the transfer currency and a second budget value corresponding to the transfer currency; generating a second transaction fee value according to the fifth value, the exchange rate of the first currency and the transfer currency and the exchange rate of the transfer currency and the second currency; And generating a fourth value corresponding to the first currency according to the fifth value and the second transaction fee value.
12. 12. The method of claim 1, wherein the method further comprises: Receiving a conversion rate prompt request instruction, wherein the conversion rate prompt request instruction is used for representing a request for prompting when the conversion rate of the first currency and the second currency is smaller than a target conversion rate; In the case that the second currency is the currency limited by the exchange, matching the second currency with the currency limited by the exchange in the configuration information of the clearing currency, and determining a transit currency corresponding to the second currency; Generating real-time exchange rates of the first currency and the second currency according to the real-time exchange rates of the first currency and the intermediate currency and the real-time exchange rates of the intermediate currency and the second currency at intervals of preset time periods; Generating exchange rate prompt information according to the real-time exchange rate under the condition that the real-time exchange rate is smaller than the target exchange rate; And sending the exchange rate prompt information to the terminal so that the terminal displays the real-time exchange rate.
13. 13. The method of claim 1, wherein the method further comprises: Receiving an authorized transaction request instruction, wherein the authorized transaction request instruction is used for representing a transaction confirmation instruction of a user authorization, wherein the first currency pays out a first target value by the first account and the second account receives a transaction confirmation instruction of the second currency under the condition that the real-time exchange rate of the first currency and the second currency is smaller than a target exchange rate; In the case that the second currency is the currency limited by the exchange, matching the second currency with the currency limited by the exchange in the configuration information of the clearing currency, and determining a transit currency corresponding to the second currency; Generating real-time exchange rates of the first currency and the second currency according to the real-time exchange rates of the first currency and the intermediate currency and the real-time exchange rates of the intermediate currency and the second currency at intervals of preset time periods; carrying out remittance transaction based on the authorized transaction request instruction under the condition that the real-time exchange rate is smaller than the target exchange rate; Generating authorization transaction success information under the condition that the remittance transaction is successful, wherein the authorization transaction success prompt information is used for representing information that the transaction of a second currency of a first target value is paid out by the first account based on the target exchange rate and a second target value is received by the second account under the condition that the user is authorized, and the second target value is generated based on the real-time exchange rate and the first target value corresponding to the first currency; and sending the authorization transaction success information to the terminal so that the terminal displays the authorization transaction success information.
14. 14. The method of claim 13, wherein the conducting a money transfer transaction based on the authorized transaction request instruction if the real-time redemption rate is less than the target redemption rate comprises: generating a third budget value corresponding to the transfer currency according to the exchange rate of the first currency and the transfer currency and a first target value corresponding to the first currency; generating a second target value corresponding to the second currency according to the exchange rate of the transfer currency and the second currency and a third budget value corresponding to the transfer currency; controlling a first currency of the first target value to be transferred from the first account to an account of a first object; controlling transfer currency of the third budget value to be transferred from the account of the first object to the account of the second object; Generating a payment request instruction according to the second numerical value and the second account; Transmitting the payment request instruction to the second object so that the second object transfers the second currency of the second target value to the second account according to the payment request instruction; and receiving payment success information sent by the second object.
15. 15. A transaction data processing device, comprising: a receiving module for receiving a transaction request instruction for remittance from a first currency of a first value in a first account to a second account receiving a second currency; The determining module is used for matching the second currency with the money which is limited by exchange in the configuration information of the clearing currency, and determining the transfer currency corresponding to the second currency; the generation module is used for generating a second value corresponding to the second currency according to the first value corresponding to the first currency, the exchange rate of the first currency and the transfer currency and the exchange rate of the transfer currency and the second currency; the generation module is also used for generating a second numerical value display instruction according to the second numerical value; And the sending module is used for sending the second numerical value display instruction to the terminal so that the terminal displays the second numerical value of the second currency converted by the first currency of the first numerical value.
16. 16. A generator device comprising a memory and a processor, the memory storing a generator program, characterized in that the processor, when executing the generator program, implements the steps of the method of processing transaction data according to any one of claims 1 to 14.
17. 17. A generator-readable storage medium, on which a generator program is stored, characterized in that the generator program, when executed by a processor, implements the steps of the transaction data processing method of any one of claims 1 to 14.
18. 18. A generator program product comprising a generator program, characterized in that the generator program, when executed by a processor, implements the steps of the transaction data processing method according to any one of claims 1 to 14.

Description

Transaction data processing method, related device, equipment and storage medium Technical Field The present application relates to the field of internet technologies, and in particular, to a transaction data processing method, a related device, a device, and a storage medium. Background In the technical field of cross-border payment, money transfer services of third party payment rely on technical components such as a user interaction system, a money transfer rate real-time generation module, a fund clearing route, an foreign exchange opening management system and the like to cooperatively operate, and the real-time display of the money transfer rate, transaction instruction processing and risk dynamic management and control are required to be realized so as to ensure the consistency of user interaction and the safety of fund processing. The control currency is restricted by the supervision of the issuing country, and the local payment interface adaptation, cross-border exchange rate data integration and risk management and control logic adaptation exist in technical barriers, so that the existing money transfer technical architecture is difficult to directly meet the processing requirements of the control currency. At present, the proposal for processing and controlling money transfer mainly has two types, namely, a technical interface and a clearing route of an external organization or a bank are directly multiplexed, a self technical system only bears a transaction data forwarding function and is not provided with an independent exchange rate generation and clearing logic processing module, and the other type is to autonomously build a whole-flow technical module comprising a currency exchange algorithm and a local payment interface adaptation by reconstructing a core technical architecture and abutting against a local supervision technical specification of a controlled currency issuing country. However, the prior art cannot realize the cooperation of the user interaction consistency, the fund clearance suitability and the foreign exchange risk management and control technology in the money transfer control scene on the premise of not depending on an external technical interface and not reconstructing the original system architecture, so that the problems of insufficient flexibility and high adaptation cost exist in the technical implementation of money transfer control. Thus, a new approach is needed to address such issues. Disclosure of Invention The embodiment of the application provides a transaction data processing method, a related device, equipment and a storage medium, which solve the problems that when money transfer limited by exchange (controlled money) is processed, an external technical interface is needed or an original system architecture is needed to be reconstructed, so that the flexibility is insufficient, the adaptation cost is high, and generation and display of the money exchange amount are difficult to realize. One aspect of the present application provides a method for processing transaction data, including: receiving a transaction request instruction to remit money from a first currency of a first value in a first account to a second account receiving a second currency; In the case that the second currency is the currency limited by the exchange, matching the second currency with the currency limited by the exchange in the configuration information of the clearing currency, and determining a transfer currency corresponding to the second currency; generating a second value corresponding to the second currency according to the first value corresponding to the first currency, the exchange rate of the first currency and the transfer currency and the exchange rate of the transfer currency and the second currency; generating a second numerical value display instruction according to the second numerical value; And sending a second value display instruction to the terminal so that the terminal displays a second value of the second currency exchanged for the first currency of the first value. Another aspect of the present application provides a transaction data processing apparatus, including: a receiving module for receiving a transaction request instruction for remittance from a first currency of a first value in a first account to a second account receiving a second currency; the determining module is used for matching the second currency with the money which is subjected to the conversion limitation in the configuration information of the clearing currency in the case that the second currency is the money which is subjected to the conversion limitation, and determining the transfer currency corresponding to the second currency; The generation module is used for generating a second value corresponding to the second currency according to the first value corresponding to the first currency, the exchange rate of the first currency and the transfer currency and the exchange rate of the tra