Credit transaction process optimization method and device, medium and product

The invention provides a credit card transaction process optimization method. The credit card transaction process optimization method comprises the steps of generating corresponding transaction flow according to different transaction scenes; splitting the transaction flow into an out-table accounting flow and an in-table accounting flow; sending the out-table accounting flow to a bank accounting middle table system for accounting business processing, and sending the in-table accounting flow to a bank core system for transaction business processing; and calling an accounting engine in a bank accounting platform system to process the out-of-table accounting flow subjected to accounting business processing and the in-table accounting flow subjected to transaction business processing to obtain general ledger information for completing credit card transaction. According to the credit card transaction process optimization method provided by the invention, the accounting pressure of a bank core system is reduced, th