CN114708083A - Loan transaction method and device - Google Patents
Loan transaction method and device Download PDFInfo
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- CN114708083A CN114708083A CN202210323492.2A CN202210323492A CN114708083A CN 114708083 A CN114708083 A CN 114708083A CN 202210323492 A CN202210323492 A CN 202210323492A CN 114708083 A CN114708083 A CN 114708083A
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Abstract
The invention provides a loan transaction method and a device, wherein the method is applied to a service end and comprises the following steps: responding to a loan transaction request sent by a client, establishing a first session connection with the client, and acquiring loan information corresponding to the loan transaction request; if the loan information meets preset acceptance conditions, an acceptance result of successful acceptance is generated; sending an acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result; performing loan transaction processing based on the loan information, and generating a transaction processing result; and sending a feedback receiving result request to the client so that the client establishes a second session connection with the server when responding to the feedback receiving result request, and disconnecting the second session connection after returning a receiving result of successful or failed transaction processing result to the server. By applying the method, transaction overtime and information blocking caused by client side waiting can be avoided, the transaction risk is reduced, and the user experience is improved.
Description
Technical Field
The invention relates to the technical field of information processing, in particular to a loan transaction method and device.
Background
With the development of internet technology, banks begin to synchronize partial services from offline to online to widen service channels.
In the process of carrying out loan transaction on the internet, the client needs to confirm the transaction processing result of the loan transaction to ensure the safety of loan funds. However, with the increase of loan transaction traffic and the complication of transaction scenarios, the transaction process becomes complicated, which leads to an increase in transaction duration and even transaction timeout, and the corresponding duration of the client waiting for the confirmation of the transaction result also becomes longer, which easily causes information congestion, reduces user experience, and increases the risk factor of transaction funds.
Disclosure of Invention
In view of this, the present invention provides a loan transaction method, which can avoid transaction timeout and information congestion caused by client waiting, and reduce the risk of transaction.
The invention also provides a loan transaction device for ensuring the realization and application of the method in practice.
A loan transaction method, the method being applied to a service end and comprising:
responding to a loan transaction request sent by a client, establishing a first session connection with the client, and acquiring loan information corresponding to the loan transaction request;
judging whether the loan information meets preset acceptance conditions or not;
if the loan information meets the acceptance conditions, an acceptance result of successful acceptance is generated;
sending the acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result;
performing loan transaction processing based on the loan information and generating a corresponding transaction processing result;
and sending a feedback receiving result request to the client, wherein the feedback receiving result request comprises the transaction processing result, so that when the client responds to the feedback receiving result request, a second session connection between the client and the server is established, and according to whether the transaction processing result is successfully obtained, a receiving result of successful receiving or failed receiving is returned to the server, and the second session connection is disconnected.
Optionally, in the process of determining whether the loan information meets the preset acceptance condition, the method further includes:
and if the loan information does not meet the acceptance conditions, generating an acceptance result of acceptance failure, and sending the acceptance result to the client to disconnect the first session connection when the client receives the acceptance result.
Optionally, in the foregoing method, the loan information includes user information and a loan amount, and the performing loan transaction processing based on the loan information and generating a corresponding transaction processing result includes:
judging whether the loan information meets the preset loan standard or not;
when the loan information meets the loan standard, determining a user account corresponding to the user information;
paying the user account according to the loan amount;
if the user account successfully receives the loan amount, generating a transaction processing result of successful transaction;
and if the user account does not successfully receive the loan amount, generating a transaction processing result of transaction failure.
Optionally, the method for determining whether the loan information meets the preset loan standard includes:
sending the loan information to a third-party platform to trigger the third-party platform to verify the loan information and return a corresponding verification result;
if the verification result is a verification result which is not verified, determining that the loan information does not accord with the loan standard based on the verification result;
and if the verification result is a verification result passing the verification, determining that the loan information meets the loan standard based on the verification result.
The above method, optionally, further includes:
when a transaction processing query request sent by the client is received, establishing a third session connection with the client, querying a corresponding target transaction processing result based on the query request, and sending the target transaction processing result to the client.
Optionally, the method described above, where the process of establishing the first session connection with the client includes:
when a loan transaction request sent by a client is received, detecting whether a corresponding connection protocol meets a preset connection standard or not based on the loan transaction request;
and if so, establishing a first session connection with the client.
A loan transaction apparatus, the apparatus being applied to a server, the apparatus comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for responding to a loan transaction request sent by a client, establishing first session connection with the client and acquiring loan information corresponding to the loan transaction request;
the judging unit is used for judging whether the loan information meets preset acceptance conditions or not;
a first generating unit, configured to generate an acceptance result of successful acceptance if the loan information meets the acceptance condition;
a first sending unit, configured to send the acceptance result to the client, so that the client disconnects the first session connection when receiving the acceptance result;
the second generating unit is used for carrying out loan transaction processing based on the loan information and generating a corresponding transaction processing result;
and the second sending unit is used for sending a feedback receiving result request to the client, wherein the feedback receiving result request comprises the transaction processing result, so that when the client responds to the feedback receiving result request, a second session connection between the client and the server is established, a receiving result of successful receiving or failed receiving is returned to the server according to whether the transaction processing result is successfully obtained, and the second session connection is disconnected.
The above apparatus, optionally, further comprises:
and a third generating unit configured to generate an acceptance result indicating that acceptance has failed if the loan information does not meet the acceptance condition, and execute a step of transmitting the acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result.
The above apparatus, optionally, the second generating unit includes:
the judging subunit is used for judging whether the loan information meets the preset loan standard or not;
the determining subunit is used for determining a user account corresponding to the user information when the loan information meets the loan standard;
the processing subunit is used for paying to the user account according to the loan amount;
the first generation subunit is used for generating a transaction processing result of successful transaction if the user account successfully receives the loan amount;
and the second generation subunit is used for generating a transaction processing result of transaction failure if the user account does not successfully receive the loan amount.
The above apparatus, optionally, further comprises:
and the query unit is used for establishing a third session connection with the client when receiving a transaction processing query request sent by the client, querying a corresponding target transaction processing result based on the query request, and sending the target transaction processing result to the client.
A storage medium comprising stored instructions which, when executed, control a device on which the storage medium is located to carry out the loan transaction method described above.
An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the loan transaction method described above.
Compared with the prior art, the invention has the following advantages:
the loan transaction method provided by the embodiment of the invention is applied to a service end, responds to a loan transaction request sent by a client in the process of loan transaction, establishes a first session connection with the client, and acquires loan information corresponding to the loan transaction request; if the loan information meets the preset acceptance conditions, sending an acceptance result of successful acceptance to the client, so that the client disconnects the first session connection when receiving the acceptance result; performing loan transaction processing according to the loan information and generating a transaction processing result; and sending a feedback receiving result request to the client, so that the client establishes second session connection with the server when responding to the feedback receiving result request, and the client returns a receiving result of successful receiving or failed receiving to the server according to whether the transaction processing result corresponding to the feedback receiving result request is successfully obtained or not, and finally, the second session connection with the server is disconnected.
By applying the method, after the client receives the acceptance result, the session connection is disconnected with the server, the server carries out transaction processing, the session connection is reestablished with the client to send the transaction processing result to the client, the client disconnects the session connection with the server again after receiving the result of whether the transaction processing result is successful, and the session connection with the server is disconnected in time, so that the transaction overtime caused by the fact that the client waits for all the time can be avoided, the time for waiting for transaction result confirmation of the client is shortened, the information blockage is avoided, the risk coefficient of transaction fund is reduced, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a flow chart of a loan transaction method according to an embodiment of the invention;
FIG. 2 is a flow chart of another method of a loan transaction method according to an embodiment of the invention;
fig. 3a is a schematic diagram illustrating the feedback of information of the processing procedure of a loan transaction method according to an embodiment of the invention;
fig. 3b is a schematic diagram illustrating the transaction process information feedback of a loan transaction method according to an embodiment of the invention;
fig. 3c is a schematic diagram illustrating information feedback of a transaction result query process of a loan transaction method according to an embodiment of the invention;
FIG. 4 is a flow chart of another method of loan transaction according to the embodiment of the invention;
fig. 5 is a block diagram of an apparatus for loan transaction according to an embodiment of the invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions, and the terms "comprises", "comprising", or any other variation thereof are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The invention is operational with numerous general purpose or special purpose computing device environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multi-processor apparatus, distributed computing environments that include any of the above devices or equipment, and the like.
The embodiment of the invention provides a loan transaction method, which can be applied to various system platforms, wherein an execution subject of the loan transaction method can be a computer terminal or a processor of various mobile devices, the method is applied to a server, and a method flow chart of the method is shown in fig. 1 and specifically comprises the following steps:
s101: responding to a loan transaction request sent by a client, establishing a first session connection with the client, and acquiring loan information corresponding to the loan transaction request.
In the embodiment provided by the invention, the client sends a loan transaction request to the server, and aims to apply for a loan from an Internet loan system. And the service end responds to the loan transaction request of the client, the first session connection is successfully established between the service end and the client, and the service end acquires loan information corresponding to the loan transaction request so as to perform other steps of loan transaction processing based on the loan information.
It should be noted that the session connection means that one end sends a message to the other end, and the other end responds to the message to successfully establish the session connection, and is a communication connection, and when the two parties disconnect the communication connection, the physical network connection is still maintained.
In the embodiment provided by the present invention, optionally, the process of establishing the first session connection with the client includes:
when a loan transaction request sent by a client is received, detecting whether a corresponding connection protocol meets a preset connection standard or not based on the loan transaction request;
and if so, establishing a first session connection with the client.
The client sends a loan transaction request to the server, the server checks a corresponding HTTP (HyperText transfer protocol) based on the loan transaction request sent by the client, and if the protocol conforms to a preset standard, the client and the server successfully establish a first session connection. According to the pre-established connection standard, the session connection between the two ends is established, and the safety of the information transmission process can be guaranteed.
S102: and judging whether the loan information meets preset acceptance conditions or not.
S103: and if the loan information meets the acceptance conditions, generating an acceptance result of successful acceptance.
In the embodiment of the invention, the service end generates a corresponding acceptance result according to whether the loan information meets the acceptance conditions; if the loan information conforms to the preset acceptance conditions, an acceptance result of acceptance success is generated, and if the loan information does not conform to the preset acceptance conditions, an acceptance result of acceptance failure is generated. The acceptance condition may be set by the server according to the processing condition of the server, or the acceptance condition may be set by the server in response to a loan transaction request sent by the client, and the acceptance condition is directly successful after the session connection with the client is successfully established.
S104: and sending the acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result.
In the embodiment of the invention, as shown in fig. 3a, a synchronous handshake mode is adopted when a server receives a client loan transaction request, after the loan transaction request is received, a processing result of successful processing or failed processing can be synchronously returned according to whether loan information corresponding to the loan transaction request meets a processing condition, and the client can disconnect the first session connection after receiving the processing result, so that the situation that the client waits all the time is avoided.
S105: and carrying out loan transaction processing based on the loan information and generating a corresponding transaction processing result.
In the embodiment of the invention, if the service end successfully accepts the loan transaction request, the transaction is processed in an event-driven mode, the loan transaction processing is carried out according to the loan information corresponding to the loan transaction request, loan funds are issued to the account corresponding to the loan information, and the transaction processing result corresponding to the loan transaction request is generated according to the loan transaction processing condition.
S106: and sending a feedback receiving result request to the client, wherein the feedback receiving result request comprises the transaction processing result, so that when the client responds to the feedback receiving result request, a second session connection between the client and the server is established, and according to whether the transaction processing result is successfully obtained or not, a receiving result of successful receiving or failed receiving is returned to the server, and the second session connection is disconnected.
In the embodiment of the invention, the server side feeds back the transaction processing result to the client side, and needs to establish second session connection with the client side. As shown in fig. 3b, specifically, the server sends a feedback receiving result request to the client, the client checks the corresponding HTTP protocol based on the feedback receiving result request, if the protocol meets the preset standard, the two parties successfully establish the second session connection, and the client obtains the corresponding transaction processing result according to the feedback receiving result request. If the transaction processing result is successfully obtained, returning a receiving result of successful receiving to the server side, and then disconnecting the second session connection; and if the transaction processing result is not obtained, returning a receiving result of receiving failure to the server side, and then disconnecting the second session.
Therefore, the server asynchronously notifies the client of the final result after the transaction processing is finished, and the client can display the transaction processing result to the user at the first time, so that the timeliness of result synchronization is ensured.
Based on the embodiment provided by the invention, in the process of carrying out loan transaction, the service end responds to a loan transaction request sent by the client end, establishes a first session connection with the client end and acquires loan information corresponding to the loan transaction request; judging whether the loan information meets preset acceptance conditions or not; if the loan information meets preset acceptance conditions, an acceptance result of successful acceptance is generated; sending an acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result; performing loan transaction processing based on the loan information, and generating a corresponding transaction processing result; and sending a feedback receiving result request to the client, wherein the feedback receiving result request comprises a transaction processing result, so that when the client responds to the feedback receiving result request, a second session connection with the server is established, and according to whether the transaction processing result is successfully obtained or not, a receiving result of successful receiving or failed receiving is returned to the server, and the second session connection is disconnected.
By applying the embodiment provided by the invention, after the client receives the acceptance result, the session connection is disconnected with the server, the server carries out transaction processing, the session connection is reestablished with the client to send the transaction processing result to the client, the client disconnects the session connection with the server again after receiving the result indicating whether the transaction processing result is successful, and the session connection with the server is disconnected in time, so that the transaction overtime caused by the fact that the client waits all the time can be avoided, the time for waiting for transaction result confirmation of the client is shortened, the information blocking is avoided, the risk coefficient of transaction fund is reduced, and the user experience is improved.
As shown in fig. 2, in the embodiment provided by the present invention, optionally, the loan information includes user information and a loan amount, and performing loan transaction processing based on the loan information and generating a corresponding transaction processing result includes:
s201: and judging whether the loan information meets the preset loan standard or not.
S202: and when the loan information meets the loan standard, determining a user account corresponding to the user information.
Before the loan transaction is carried out at the service end, in order to reduce fraud risk and ensure account safety, the prior loan approval is added, and whether the loan information conforms to the loan standard or not is checked. If the loan information does not meet the loan standard, ending the loan transaction processing; and if the loan information meets the loan standard, the loan can be issued according to the loan information, and when the loan is issued, a user account corresponding to the user information in the loan information needs to be determined.
S203: and paying to the user account according to the loan amount.
Specifically, after the user account corresponding to the user information needing to be paid is determined, a loan is issued to the user account according to the loan amount in the loan information.
S204: and judging whether the user account successfully receives the loan amount.
If the user account successfully receives the loan amount, S205 is executed, and if the user account does not successfully receive the loan amount, S206 is executed.
S205: and generating a transaction processing result of successful transaction.
S206: and generating a transaction processing result of the transaction failure.
In the embodiment provided by the invention, the whole loan transaction process is successfully completed when the loan is successfully issued to the user account, and the transaction processing result of the successful loan transaction is obtained; if the user account does not receive the loan amount, the loan transaction is not successful, and a transaction processing result of the loan transaction failure is generated.
By applying the method provided by the embodiment of the invention, when the loan information conforms to the loan standard, a loan is issued to the user account corresponding to the loan information according to the loan amount in the loan information, and a transaction processing result of successful transaction or failed transaction is generated according to whether the user account receives the loan amount, so that the safety of the loan processing process and the legality of the transaction are ensured.
In the embodiment of the present invention, optionally, the determining whether the loan information meets a preset loan standard includes:
sending the loan information to a third-party platform to trigger the third-party platform to verify the loan information and return a corresponding verification result;
if the verification result is a verification result which is not verified, determining that the loan information does not accord with the loan standard based on the verification result;
and if the verification result is a verification result passing the verification, determining that the loan information meets the loan standard based on the verification result.
In the embodiment provided by the invention, in the process of loan, the loan information needs to be checked to judge whether the loan information meets the loan standard. The loan information auditing process can judge whether the loan information meets the loan standard or not through calling an interface of a third-party platform and the third-party platform.
Specifically, a human credit investigation interface provided by the central bank may be invoked to investigate the credit condition of the user account corresponding to the loan information, if the result of the human credit investigation feedback is that the credit of the user account is high, the result meets the standard, the human credit investigation interface feeds back that the loan information passes verification, and if the result of the feedback is that the user account loses credit, the human credit investigation interface feeds back that the loan information fails verification. And some related loan information judgment interfaces of the bank can be called to inquire the loan condition of the user account in the loan information, if the loan amount in the loan information exceeds the loan standard approved by the bank for the user account, the loan information judgment interface feeds back that the loan information is not verified, and if the loan amount is within the range approved by the bank, the loan information judgment interface feeds back that the loan information is verified.
And if the result fed back by the third-party platform is that the loan information is verified, the loan information conforms to the loan standard, otherwise, the loan information does not conform to the loan standard.
By applying the embodiment provided by the invention, the third-party platform is called to examine the loan information, the legality of the loan information is judged, the safety of loan transaction is guaranteed, and the loan information is released when meeting the standard, so that the orderly progress of the loan is guaranteed.
In the embodiment provided by the present invention, optionally, the method further includes:
when a transaction processing query request sent by the client is received, establishing a third session connection with the client, querying a corresponding target transaction processing result based on the query request, and sending the target transaction processing result to the client.
It can be understood that, as shown in fig. 3c, when the client does not receive the notification of the transaction processing result pushed by the server at regular time, the client sends a transaction processing query request to the server, and the server checks the corresponding HTTP protocol based on the transaction processing query request, and if the protocol meets the preset standard, the two parties successfully establish the third session connection. And the server side inquires the transaction processing result corresponding to the loan information according to the loan information corresponding to the transaction processing inquiry request, determines the inquired transaction processing result as a target transaction processing result, and sends the target transaction result to the client side, so that the client side can display the transaction processing result to the user at the first time after receiving the transaction processing result, and the synchronization timeliness of the result is ensured.
By applying the embodiment provided by the invention, if the client does not receive the transaction processing result within the specified time, the client can actively pull the transaction processing result of the Internet loan service end to the service end, thereby solving the transaction loss condition caused by network problems.
As shown in fig. 4, in the method provided in the embodiment of the present invention, in the process of performing loan transaction, a client sends a loan transaction application to a server, after the server receives the application sent by the client, the server performs transaction confirmation and returns a result of confirming whether to accept the application to the client, and after the client receives the result of confirming whether to accept the application, the client disconnects session connection with the server;
the server side performs internal processing such as loan acceptance and loan payment according to the application sent by the client side, and sends a transaction processing result to the client side after the processing is completed; the client and the server reestablish session connection, receive a request for processing result fed back by the server, receive a transaction processing result according to the request for processing result fed back, and return feedback of the receiving result which is received successfully or unsuccessfully to the server according to whether the transaction processing result is received successfully or not, and then disconnect the session connection with the server, and the client does not depend on the server any more and displays the transaction processing result to the user.
If the client does not receive the processing result sent by the server within the specified time, the client sends an inquiry request aiming at the processing result of the transaction to the server, the server responds to the inquiry request, establishes session connection with the server, inquires the transaction processing result corresponding to the inquiry request, and finally sends the transaction processing result to the client, and after receiving the transaction processing result, the client disconnects the connection with the server, and displays the transaction processing result to the user.
By applying the method provided by the embodiment of the invention, the session connection with the server can be disconnected after the client receives the acceptance result, so that the condition that the client waits for the acceptance result all the time to cause transaction overtime is avoided. And the server can asynchronously inform the client of the final state result after the loan transaction processing is finished, and the client can display the result to the user in the first time after receiving the request, so that the result synchronization timeliness is ensured. When the client does not receive the result notice pushed by the server at regular time, the client can actively pull the transaction processing result of the internet loan, and the problem of transaction loss caused by network problems is solved.
The loan transaction method provided by the embodiment of the invention can decompose the loan transaction process into three stages of acceptance, processing and compensation, combines two interactive modes of synchronization and asynchronism, and only completes one action in each stage, thereby optimizing the indexes of mutual conflict in the three fund transactions of loan transaction safety, transaction timeliness and customer experience.
The specific implementation procedures and derivatives thereof of the above embodiments are within the scope of the present invention.
Corresponding to the method shown in fig. 1, an embodiment of the present invention further provides a loan transaction apparatus, which is applied to a service end, and is used to implement the method shown in fig. 1 specifically, the loan transaction apparatus provided in the embodiment of the present invention may be applied to a computer terminal or various mobile devices, and a schematic structural diagram of the loan transaction apparatus is shown in fig. 5, and specifically includes:
the obtaining unit 501 is configured to respond to a loan transaction request sent by a client, establish a first session connection with the client, and obtain loan information corresponding to the loan transaction request;
a determining unit 502, configured to determine whether the loan information meets a preset acceptance condition;
a first generating unit 503, configured to generate a acceptance result of successful acceptance if the loan information meets the acceptance condition;
a first sending unit 504, configured to send the acceptance result to the client, so that the client disconnects the first session connection when receiving the acceptance result;
a second generating unit 505, configured to perform loan transaction processing based on the loan information, and generate a corresponding transaction processing result;
a second sending unit 506, configured to send a feedback receiving result request to the client, where the feedback receiving result request includes the transaction processing result, so that when the client responds to the feedback receiving result request, a second session connection between the client and the server is established, and according to whether the transaction processing result is successfully obtained, a receiving result of successful receiving or failed receiving is returned to the server, and the second session connection is disconnected.
Based on the device provided by the embodiment of the invention, in the process of loan transaction of the service end, the obtaining unit responds to the loan transaction request sent by the client, establishes a first session connection with the client and obtains loan information corresponding to the loan transaction request; judging whether the loan information meets preset acceptance conditions or not by a judging unit; if the loan information meets the preset acceptance conditions, generating an acceptance result of successful acceptance by the first generation unit; the first sending unit sends the acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result; the second generation unit processes loan transaction based on the loan information and generates a corresponding transaction processing result; and finally, the second sending unit sends a feedback receiving result request to the client, wherein the feedback receiving result request comprises a transaction processing result, so that when the client responds to the feedback receiving result request, a second session connection with the server is established, a receiving result of successful or failed receiving is returned to the server according to whether the transaction processing result is successfully obtained, and the second session connection is disconnected.
By applying the device provided by the embodiment of the invention, after the client receives the acceptance result, the session connection is disconnected with the server, the server carries out transaction processing, the session connection is reestablished with the client to send the transaction processing result to the client, the client disconnects the session connection with the server again after receiving the result indicating whether the transaction processing result is successful, and the timely disconnection of the session connection with the server can avoid transaction overtime caused by the fact that the client waits for all the time, shorten the time length of waiting for transaction result confirmation of the client, thereby avoiding information blocking, reducing the risk coefficient of transaction fund and further improving the user experience.
The apparatus provided in the embodiment of the present invention, optionally, further includes:
and a third generating unit configured to generate an acceptance result indicating that acceptance has failed if the loan information does not meet the acceptance condition, and execute a step of transmitting the acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result.
Optionally, in the apparatus provided in the embodiment of the present invention, the second generating unit 505 includes:
the judging subunit is used for judging whether the loan information meets the preset loan standard or not;
the determining subunit is used for determining a user account corresponding to the user information when the loan information meets the loan standard;
the processing subunit is used for paying to the user account according to the loan amount;
the first generation subunit is used for generating a transaction processing result of successful transaction if the user account successfully receives the loan amount;
and the second generation subunit is used for generating a transaction processing result of transaction failure if the user account does not successfully receive the loan amount.
The apparatus provided in the embodiment of the present invention, optionally, further includes:
and the query unit is used for establishing a third session connection with the client when receiving a transaction processing query request sent by the client, querying a corresponding target transaction processing result based on the query request, and sending the target transaction processing result to the client.
The specific working processes of each unit and sub-unit in the loan transaction device disclosed in the above embodiment of the present invention may refer to the corresponding contents in the loan transaction method disclosed in the above embodiment of the present invention, and are not described herein again.
The embodiment of the invention also provides a storage medium, which comprises a stored instruction, wherein when the instruction runs, the device where the storage medium is located is controlled to execute the loan transaction method.
An electronic device is provided in an embodiment of the present invention, and the structural diagram of the electronic device is shown in fig. 6, which specifically includes a memory 601 and one or more instructions 602, where the one or more instructions 602 are stored in the memory 601 and configured to be executed by one or more processors 603 to perform the following operations on the one or more instructions 602:
responding to a loan transaction request sent by a client, establishing a first session connection with the client, and acquiring loan information corresponding to the loan transaction request;
judging whether the loan information meets preset acceptance conditions or not;
if the loan information meets the acceptance conditions, an acceptance result of successful acceptance is generated;
sending the acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result;
performing loan transaction processing based on the loan information and generating a corresponding transaction processing result;
and sending a feedback receiving result request to the client, wherein the feedback receiving result request comprises the transaction processing result, so that when the client responds to the feedback receiving result request, a second session connection between the client and the server is established, and according to whether the transaction processing result is successfully obtained, a receiving result of successful receiving or failed receiving is returned to the server, and the second session connection is disconnected.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both.
To clearly illustrate this interchangeability of hardware and software, various illustrative components and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A loan transaction method, applied to a service end, the method comprising:
responding to a loan transaction request sent by a client, establishing a first session connection with the client, and acquiring loan information corresponding to the loan transaction request;
judging whether the loan information meets preset acceptance conditions or not;
if the loan information meets the acceptance conditions, an acceptance result of successful acceptance is generated;
sending the acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result;
performing loan transaction processing based on the loan information and generating a corresponding transaction processing result;
and sending a feedback receiving result request to the client, wherein the feedback receiving result request comprises the transaction processing result, so that when the client responds to the feedback receiving result request, a second session connection between the client and the server is established, and according to whether the transaction processing result is successfully obtained, a receiving result of successful receiving or failed receiving is returned to the server, and the second session connection is disconnected.
2. The method according to claim 1, wherein in the step of determining whether the loan information meets a predetermined acceptance condition, the method further comprises:
and if the loan information does not meet the acceptance conditions, generating an acceptance result of acceptance failure, and sending the acceptance result to the client to disconnect the first session connection when the client receives the acceptance result.
3. The method of claim 1, wherein the loan information includes user information and a loan amount, and wherein performing loan transaction processing based on the loan information and generating corresponding transaction processing results comprises:
judging whether the loan information meets the preset loan standard or not;
when the loan information meets the loan standard, determining a user account corresponding to the user information;
paying the user account according to the loan amount;
if the user account successfully receives the loan amount, generating a transaction processing result of successful transaction;
and if the user account does not successfully receive the loan amount, generating a transaction processing result of transaction failure.
4. The method of claim 3, wherein the determining whether the loan information meets the predetermined loan criteria comprises:
sending the loan information to a third-party platform to trigger the third-party platform to verify the loan information and return a corresponding verification result;
if the verification result is a verification result which is not verified, determining that the loan information does not accord with the loan standard based on the verification result;
and if the verification result is a verification result passing the verification, determining that the loan information meets the loan standard based on the verification result.
5. The method of claim 1, further comprising:
when a transaction processing query request sent by the client is received, establishing a third session connection with the client, querying a corresponding target transaction processing result based on the query request, and sending the target transaction processing result to the client.
6. The method of claim 1, wherein the process of establishing the first session connection with the client comprises:
when a loan transaction request sent by a client is received, detecting whether a corresponding connection protocol meets a preset connection standard or not based on the loan transaction request;
and if so, establishing a first session connection with the client.
7. A loan transaction apparatus, wherein the apparatus is applied to a service end, the apparatus comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for responding to a loan transaction request sent by a client, establishing a first session connection with the client and acquiring loan information corresponding to the loan transaction request;
the judging unit is used for judging whether the loan information meets preset acceptance conditions or not;
a first generating unit, configured to generate an acceptance result of successful acceptance if the loan information meets the acceptance condition;
a first sending unit, configured to send the acceptance result to the client, so that the client disconnects the first session connection when receiving the acceptance result;
the second generating unit is used for carrying out loan transaction processing based on the loan information and generating a corresponding transaction processing result;
and the second sending unit is used for sending a feedback receiving result request to the client, wherein the feedback receiving result request comprises the transaction processing result, so that when the client responds to the feedback receiving result request, a second session connection between the client and the server is established, a receiving result of successful receiving or failed receiving is returned to the server according to whether the transaction processing result is successfully obtained, and the second session connection is disconnected.
8. The apparatus of claim 7, further comprising:
and a third generating unit configured to generate an acceptance result indicating that acceptance has failed if the loan information does not meet the acceptance condition, and execute a step of transmitting the acceptance result to the client so that the client disconnects the first session connection when receiving the acceptance result.
9. The apparatus of claim 7, wherein the second generating unit comprises:
the judging subunit is used for judging whether the loan information meets the preset loan standard or not;
the determining subunit is used for determining a user account corresponding to the user information when the loan information meets the loan standard;
the processing subunit is used for paying to the user account according to the loan amount;
the first generation subunit is used for generating a transaction processing result of successful transaction if the user account successfully receives the loan amount;
and the second generation subunit is used for generating a transaction processing result of transaction failure if the user account does not successfully receive the loan amount.
10. The apparatus of claim 7, further comprising:
and the query unit is used for establishing a third session connection with the client when receiving a transaction processing query request sent by the client, querying a corresponding target transaction processing result based on the query request, and sending the target transaction processing result to the client.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210323492.2A CN114708083A (en) | 2022-03-30 | 2022-03-30 | Loan transaction method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210323492.2A CN114708083A (en) | 2022-03-30 | 2022-03-30 | Loan transaction method and device |
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