CN108197917A - Reimbursement processing method, apparatus and system - Google Patents
Reimbursement processing method, apparatus and system Download PDFInfo
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- CN108197917A CN108197917A CN201810029609.XA CN201810029609A CN108197917A CN 108197917 A CN108197917 A CN 108197917A CN 201810029609 A CN201810029609 A CN 201810029609A CN 108197917 A CN108197917 A CN 108197917A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The invention discloses a kind of reimbursement processing method, apparatus and system, wherein, method includes：For every refund request that e-commerce platform verification passes through, the refund request is received；Reimbursement audit is carried out to the refund request；Wherein, reimbursement audit include audit refund request request time whether more than payment gateway effective reimbursement time；If the request time of refund request is more than effective reimbursement time of payment gateway, payment transaction information corresponding with the refund request is obtained；Credit interface is called, and reimbursement processing is carried out according to the credit card information decrypted from payment transaction information.It it can be seen that using scheme of the invention, can cut operating costs, improve efficiency of operation；And reduce the purpose of platform monetary losses.
Description
Technical field
The present invention relates to technical field of electronic commerce, and in particular to a kind of reimbursement processing method, apparatus and system.
Background technology
For Foreign trade electronic commerce platform as cross-border shopping online platform, major customer is overseas holder.Electric business platform
The payment channel that the payment request of overseas buyer can be assigned randomly to its access submits payment, and payment channel can use buyer
International card verified according to corresponding air control rule, submitted if verifying and passing through and receive uniline and international card tissue, hair fastener is advanced
Row processing.After mandate passes through, electric business platform confirms that buyer pays successfully, and seller is notified to deliver.
As shopping online platform, client is dissatisfied for the commodity of purchase or service, can be put down to Foreign trade electronic commerce
Platform initiates reimbursement application.After foreign trade platform receives client's reimbursement application, verification is right by then initiating former road reimbursement to channel of disbursement
In the reimbursement of credit card trade, the period of common permission reimbursement is 365 days, i.e. paying for 365 days after day is initiated in transaction
Channel all supports former road to carry out reimbursement.But in practical business, there is an other gateway and moved back for what credit card trade allowed
The money period is only 180 days, this causes to cause the order reimbursement of portions of client can not be successfully processed for platform.Because credit
Card transaction reimbursement, which follows gathering path and reimbursement path, to be matched, and payment gateway can only accept the reimbursement of the transaction of this gateway.
In existing mode, it for this kind of reimbursement, can only be negotiated by customer service and client, in the case where soliciting client and agreeing to, will moved back
The money charging of money to buyer platform wallet account.But this mode one side operation cost is high, still further aspect by
The reimbursement on former road is not received at buyer end in credit card, this payment buyer still can be initiated to refuse to pay Shen by credit card
Please, platform is caused to face certain monetary losses.Here monetary losses include following two aspects：First, platform is for being more than
The reimbursement of 180 days, to recharging of customer to platform clectronic wallet, client may buy it by stored value card in platform
His commodity, consume fund；Second, client is initiated after refusing to pay, client issuing bank can be by the network of card tissue outside
It is deducted in the settlement fund of trade e-commerce platform and corresponding refuses to pay the amount of money.
Invention content
In view of the above problems, it is proposed that the present invention overcomes the above problem in order to provide one kind or solves at least partly
State reimbursement processing method, the apparatus and system of problem.
According to an aspect of the invention, there is provided a kind of reimbursement processing method, including：
For every refund request that e-commerce platform verification passes through, the refund request is received；
Reimbursement audit is carried out to the refund request；Wherein, the request time for including auditing refund request is audited in reimbursement is
No effective reimbursement time more than payment gateway；
If the request time of refund request is more than effective reimbursement time of payment gateway, obtain and the refund request pair
The payment transaction information answered；
Credit interface is called, and reimbursement processing is carried out according to the credit card information decrypted from payment transaction information.
Optionally, it is described audit refund request request time whether be more than payment gateway effective reimbursement time it
Before, the method further includes：Whether the payment gateway of transaction that is directed to of audit refund request is with receiving the payment net of refund request
It closes identical；
Then it is described audit refund request request time whether be more than payment gateway effective reimbursement time be specially：If it moves back
The payment gateway for the transaction that money request is directed to is identical with the payment gateway for receiving refund request, then when auditing the request of refund request
Between whether be more than payment gateway effective reimbursement time.
Optionally, it is described and further according to the credit card information progress reimbursement processing decrypted from payment transaction information
Including：Credit card information according to being decrypted from payment transaction information determines the reimbursement path of reimbursement processing and reimbursement processing
Credit card number；
Reimbursement processing is carried out according to the reimbursement path and credit card number.
Optionally, described and carry out reimbursement according to the credit card information that is decrypted from payment transaction information and handle it
Afterwards, the method further includes：Reimbursement handling result is sent to e-commerce platform, so that e-commerce platform is according to the reimbursement
Processing as a result, update the refund request reimbursement information and update more than effective reimbursement time reimbursement record information.
According to another aspect of the present invention, a kind of reimbursement processing unit is provided, including：
Receiving module suitable for being directed to every refund request that e-commerce platform verification passes through, receives the refund request；
Auditing module, suitable for carrying out reimbursement audit to the refund request；Wherein, reimbursement audit includes auditing refund request
Request time whether be more than payment gateway effective reimbursement time；
Acquisition module, if suitable for refund request request time be more than payment gateway effective reimbursement time, obtain with
The corresponding payment transaction information of the refund request；
Processing module, suitable for call credit interface, and according to the credit card information decrypted from payment transaction information into
Row reimbursement processing.
Optionally, the auditing module is further adapted for：The payment gateway of transaction that is directed to of audit refund request whether with
The payment gateway for receiving refund request is identical；
If the payment gateway for the transaction that refund request is directed to is identical with the payment gateway for receiving refund request, reimbursement is audited
The request time of request whether be more than payment gateway effective reimbursement time.
Optionally, the processing module is further adapted for：According to the credit card information decrypted from payment transaction information
Determine the reimbursement path of reimbursement processing and the credit card number of reimbursement processing；
Reimbursement processing is carried out according to the reimbursement path and credit card number.
According to another aspect of the present invention, a kind of reimbursement processing unit is provided, including：Gateway server, front end processor with
And cross-border electric business platform；Wherein, gateway server includes reimbursement processing unit described in any one of the above embodiments；Cross-border electric business platform packet
Include cross-border electric business form ordering system, cross-border electric business air control platform, cross-border electric business payment platform；And electric business platform leads to front end processor
LAN connection is crossed, front end processor is connect with gateway server by public network.
According to another aspect of the invention, a kind of server is provided, including：Processor, memory, communication interface and logical
Believe bus, the processor, the memory and the communication interface complete mutual communication by the communication bus；
For the memory for storing an at least executable instruction, it is above-mentioned that the executable instruction performs the processor
The corresponding operation of reimbursement processing method.
In accordance with a further aspect of the present invention, provide a kind of computer storage media, be stored in the storage medium to
A few executable instruction, the executable instruction make processor perform such as the corresponding operation of above-mentioned reimbursement processing method.
According to a kind of reimbursement processing method provided by the invention, apparatus and system, wherein, method includes：For electronics quotient
Every refund request that business platform verification passes through, receives the refund request；Reimbursement audit is carried out to the refund request；Its
In, reimbursement audit include audit refund request request time whether more than payment gateway effective reimbursement time；If reimbursement please
The request time asked is more than effective reimbursement time of payment gateway, then obtains payment transaction letter corresponding with the refund request
Breath；Credit interface is called, and reimbursement processing is carried out according to the credit card information decrypted from payment transaction information.Thus may be used
See, using scheme of the invention, can cut operating costs, improve efficiency of operation；And reduce the purpose of platform monetary losses.
Above description is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention,
And it can be implemented in accordance with the contents of the specification, and in order to allow above and other objects of the present invention, feature and advantage can
It is clearer and more comprehensible, below the special specific embodiment for lifting the present invention.
Description of the drawings
By reading the detailed description of hereafter preferred embodiment, it is various other the advantages of and benefit it is common for this field
Technical staff will become clear.Attached drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And throughout the drawings, the same reference numbers will be used to refer to the same parts.In the accompanying drawings：
Fig. 1 shows the process flow of existing credit card trade reimbursement；
Fig. 2 shows the flow charts of reimbursement processing method according to an embodiment of the invention；
Fig. 3 shows the flow chart of reimbursement processing method in accordance with another embodiment of the present invention；
Fig. 4 shows reimbursement flowing water information schematic diagram；
Fig. 5 shows gateway information schematic diagram；
Fig. 6 shows that reimbursement in 180 days records information schematic diagram；
Fig. 7 shows the functional block diagram of reimbursement processing unit according to an embodiment of the invention；
Fig. 8 shows the functional block diagram of the reimbursement processing system of the embodiment of the present invention；
Fig. 9 shows a kind of structure diagram of server according to embodiments of the present invention.
Specific embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although the disclosure is shown in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
It is limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
Completely it is communicated to those skilled in the art.
For ease of the understanding to the present invention program, the process flow of existing credit card trade reimbursement is carried out first herein
Explanation.Fig. 1 shows the process flow of existing credit card trade reimbursement.Wherein, the credit card trade reimbursement of payment gateway
Restrictive cycle is 180 days.As shown in Figure 1, the flow specifically comprises the following steps：
Holder initiates reimbursement application.Wherein, holder, that is, client, holder initiate reimbursement to foreign trade e-commerce platform
Application；
It registers reimbursement information and carries out first reimbursement verification.Foreign trade electronic commerce platform registers the reimbursement application of client,
And basic reimbursement verification is carried out, for example verify the transaction whether reimbursement etc.；If verification does not pass through, client is prompted to correspond to
Failure information, reimbursement flow terminates；
Organize reimbursement information.If verification passes through, according to the information searching of original transaction to the information such as former channel of disbursement, tissue
Reimbursement information is to carry out reimbursement；
Reimbursement verifies.After channel of disbursement (i.e. payment gateway in figure) receives the refund request of platform, reimbursement verification is carried out,
The content of verification includes：Judge whether the corresponding payment transaction of this reimbursement is initiated by channel of disbursement；If verification does not pass through,
Further judge failure cause whether be the reimbursement time more than 180 days, if it is not, client's reimbursement is then prompted to accept failure, if so,
Register buyer's reimbursement information, and by the money charging of reimbursement to buyer platform wallet account；
Forward reimbursement application.If verification passes through, refund request is transmitted to corresponding receipts uniline, uniline is received and receives payment
After the request of channel forwarding, international card tissue is relayed to, corresponding request is transmitted to credit card issuer by international card tissue again；
Carry out reimbursement processing.Credit card issuer carries out reimbursement processing, updates the record that keeps accounts for customer account；
Forward reimbursement result.Credit card issuer returns to the result of reimbursement after reimbursement processing is carried out；And successively by international card group
It knits, receive uniline, payment gateway forwarding reimbursement result；
Update reimbursement success.Foreign trade electronic commerce platform after reimbursement result is received, update reimbursement result for reimbursement into
Work(；Finally notify client's reimbursement success.
In the reimbursement flow of above-mentioned existing credit card trade, when the reimbursement verification of payment gateway does not pass through, and failure
Reason is prescribed a time limit when being the reimbursement more than payment gateway, then registers buyer's reimbursement information and carry out client's wallet and supplement processing with money.But
The efficiency of the processing mode is low, it usually needs manpower intervention is to be handled；Also, which causes credit card at buyer end not
The reimbursement on former road is received, and then monetary losses may be brought to Foreign trade electronic commerce platform.Based on this, the present invention is by establishing one
Set solves the treatment mechanism of Foreign trade electronic commerce platform reimbursement more than 180 days, and efficiency of operation and reduction platform are improved to reach
The purpose of monetary losses.
Fig. 2 shows the flow charts of reimbursement processing method according to an embodiment of the invention.As shown in Figure 1, this method
Include the following steps：
Step S201：For every refund request that e-commerce platform verification passes through, refund request is received.
After e-commerce platform carries out refund request preliminary check and verification passes through, moved back by e-commerce platform tissue
Money information, and the reimbursement information is sent to payment gateway.In this step, payment gateway receives the reimbursement information, i.e.,：It receives
Refund request corresponding with the reimbursement information carries out reimbursement processing to be directed to the refund request.
Step S202：Reimbursement audit is carried out to refund request.
Payment gateway is after refund request is received, and according to reimbursement information, and the reimbursement time limit for combining gateway requires, to moving back
Money request carries out reimbursement audit.Wherein, whether the request time that reimbursement audit includes auditing refund request is more than payment gateway
Effective reimbursement time.
Specifically, the reimbursement of the temporal informations such as the reimbursement date in reimbursement information, trade date and combination gateway
Time limit require, audit refund request request time whether be more than payment gateway effective reimbursement time.If request time does not surpass
Effective reimbursement time of payment gateway is spent, then scheme is handled according to prior art, and this method terminates；If request time surpasses
Effective reimbursement time of payment gateway is spent, then performs step S203, is handled with performing corresponding reimbursement.
Step S203：If the request time of refund request is more than effective reimbursement time of payment gateway, acquisition and reimbursement
Ask corresponding payment transaction information.
The request time of refund request is more than effective reimbursement time of payment gateway at audit, then obtains the refund request
The raw information of corresponding payment transaction, i.e.,：Payment transaction information, to carry out reimbursement to credit card according to the raw information.
Step S204：Credit interface is called, and is moved back according to the credit card information decrypted from payment transaction information
Money processing.
After payment transaction information is got, payment transaction information is decrypted the credit to obtain completing payment transaction
Card information；Then, credit interface (credit alone interfaces i.e. hereinafter) is called, and reimbursement is carried out according to credit card information
Processing.
Specifically, credit alone interfaces are called, to carry out reimbursement processing, the reimbursement road by normal reimbursement path
Diameter and gathering route matching.Wherein, credit alone interfaces are the work(of the point-to-point payment for the P2P that card tissue is released
Can, the interface is called, can so that the execution that reimbursement is handled is not limited by the time.As it can be seen that pass through calling in this step
Credit alone interfaces carry out reimbursement processing rather than by carrying out supplementing processing with money to client's wallet, so avoid because
Buyer end does not receive the reimbursement on former road and leads to the monetary losses of Foreign trade electronic commerce platform；Also, by decrypting automatically, then
The mode of credit alone interfaces is called to carry out reimbursement processing, efficiency of operation can be greatly improved.
According to reimbursement processing method provided in this embodiment, the every reimbursement passed through for e-commerce platform verification please
It asks, receives refund request；Reimbursement audit is carried out to refund request；If the request time of refund request is more than the effective of payment gateway
The reimbursement time then obtains payment transaction information corresponding with refund request；Credit alone interfaces are called, and according to from payment
The credit card information decrypted in Transaction Information carries out reimbursement processing.It can be seen that using this embodiment scheme, pass through calling
Credit alone interfaces carry out reimbursement processing rather than by carrying out supplementing processing with money to client's wallet, so avoid because
Buyer end does not receive the reimbursement on former road and leads to the monetary losses of Foreign trade electronic commerce platform；Also, by decrypting automatically, then
The mode of credit alone interfaces is called to carry out reimbursement processing, efficiency of operation can be greatly improved.
Fig. 3 shows the flow chart of reimbursement processing method in accordance with another embodiment of the present invention.As shown in Fig. 2, the party
Method includes the following steps：
Step S301：For every refund request that e-commerce platform verification passes through, refund request is received.
Payment gateway receive e-commerce platform preliminary check by refund request, moved back with being directed to the refund request
Money processing.
Step S302：Whether the payment gateway of transaction that is directed to of audit refund request is with receiving the payment gateway of refund request
It is identical.
After payment gateway receives refund request, audit first the transaction that the refund request is directed to payment gateway whether be
The payment gateway of the refund request is currently received, if the payment gateway for the transaction that refund request is directed to is not currently to receive the reimbursement
The payment gateway of request then cannot carry out reimbursement processing using scheme provided in this embodiment, and this method terminates；If refund request
For the payment gateway of transaction be the payment gateway that currently receives the refund request, then perform step S303.
Step S303：If the payment gateway for the transaction that refund request is directed to is identical with the payment gateway for receiving refund request,
Then audit refund request request time whether be more than payment gateway effective reimbursement time.
If the payment gateway for auditing out the transaction that refund request is directed to is identical with the payment gateway for receiving refund request, into
One step audit refund request request time whether be more than payment gateway effective reimbursement time.
Specifically, according to the reimbursement information of e-commerce platform tissue and the gateway information of combination payment gateway, audit
The request time of refund request whether be more than payment gateway effective reimbursement time.Wherein, reimbursement information is believed including reimbursement flowing water
Breath.Fig. 4 shows reimbursement flowing water information schematic diagram.Reimbursement flowing water information is used for recording the managing detailed catalogue of credit card reimbursement.Such as Fig. 4
Shown, reimbursement flowing water information includes：Gateway number, former transaction amount, transaction currency type, former transaction journal number, is moved back at Original Transaction Date
Money serial number, refund amount, reimbursement currency type, the reimbursement date, gateway reference number, reimbursement state, the exchange rate, verification mark, buyer ID,
Buyer's pet name, 180 days marks of reimbursement and failure cause.Fig. 5 shows gateway information schematic diagram.Gateway information is used for recording net
It closes and settles accounts relevant basic information.As shown in figure 5, gateway information includes：Gateway number, gateway name calculate currency type, transaction coin
Kind, calculating cycle, reimbursement limitation, state and update date.More specifically, the Original Transaction Date in reimbursement flowing water information
And the reimbursement date, and the reimbursement limitation in gateway information is combined, whether audit request time is more than effective reimbursement time.It is if former
The time difference on trade date and reimbursement date is greater than or equal to the time in reimbursement limitation, then when request time is more than effective reimbursement
Between, then step S304 is performed, is handled with performing corresponding reimbursement；If the time difference of Original Transaction Date and reimbursement date are less than reimbursement
Time in limitation, then request time be less than effective reimbursement time, then scheme is handled according to prior art, this method
Terminate.
Step S304：If the request time of refund request is more than effective reimbursement time of payment gateway, acquisition and reimbursement
Ask corresponding payment transaction information.
The request time of refund request is more than effective reimbursement time of payment gateway at audit, then obtains the refund request
The raw information of corresponding payment transaction, i.e.,：Payment transaction information, to carry out reimbursement to credit card according to the raw information.
Step S305：Credit card information according to being decrypted from payment transaction information determines the reimbursement path of reimbursement processing
And the credit card number of reimbursement processing.
After getting corresponding information, system decrypts credit card information automatically, for example, the term of validity year of decryption credit card,
Month, credit number, specifically, decryption credit card are to pay the bill to buyer, and client can be obtained after decryption credit card
Credit card information, and carry out reimbursement.
Step S306：Credit interface is called, reimbursement processing is carried out according to reimbursement path and credit card number.
Credit alone interfaces are called, and reimbursement processing is carried out according to credit card information, which is that card tissue provides
For the general-purpose interface paid the bill to credit card, especially some mainstream card tissues, such as Visa (visa), Master
(master) etc. cards tissue all provides the interface, and payment behaviour can be carried out to the credit card issued by card tissue by the interface
Make.Reimbursement operation is not limited by the effective time of reimbursement and cannot not be paid the bill from original when being more than effective time path
Carry out reimbursement.In other words, pass through calling more than the refund request of effective reimbursement time of payment gateway for request time
Credit alone interfaces can carry out reimbursement processing by the original normal reimbursement path of credit card.
Step S307：Reimbursement handling result is sent to e-commerce platform, so that e-commerce platform is handled according to reimbursement
As a result the reimbursement of the reimbursement information of update refund request and update more than effective reimbursement time records information.
After the completion of reimbursement processing, payment gateway sends reimbursement handling result to e-commerce platform；Then, e-commerce
Platform updates the information such as reimbursement state in reimbursement flowing water information, failure cause according to reimbursement handling result；And update is super
The reimbursement record information of effective reimbursement time is crossed, if the effectively reimbursement time is 180 days, the update record information of reimbursement in 180 days.Figure
6 show that reimbursement in 180 days records information schematic diagram.The reimbursement in 180 days record information is used for recording more than 180 days reimbursement time limits
The managing detailed catalogue of refund request.As shown in fig. 6, the record information of reimbursement in 180 days includes：Gateway number, reimbursement serial number, reimbursement gold
Volume, reimbursement currency type, buyer ID, credit card effective period year, the credit card effective period moon, card number four, order number after the first six, remarks and
Remaining refund amount.Finally, prompting client reimbursement success.
According to reimbursement processing method provided in this embodiment, the every reimbursement passed through for e-commerce platform verification please
It asks, receives refund request；Whether the payment gateway of transaction that is directed to of audit refund request is with receiving the payment gateway of refund request
It is identical；If the payment gateway for the transaction that refund request is directed to is identical with the payment gateway for receiving refund request, auditing reimbursement please
The request time asked whether be more than payment gateway effective reimbursement time；If the request time of refund request is more than payment gateway
Effective reimbursement time, then obtain payment transaction information corresponding with refund request；According to what is decrypted from payment transaction information
Credit card information determines the reimbursement path of reimbursement processing and the credit card number of reimbursement processing；Credit alone is called to connect
Mouthful, reimbursement processing is carried out according to reimbursement path and credit card number；Reimbursement handling result is sent to e-commerce platform, for
It is more than effective reimbursement time that e-commerce platform updates the reimbursement information of refund request and update according to reimbursement handling result
Reimbursement records information.It can be seen that using this embodiment scheme, by the way that credit alone interfaces is called to carry out reimbursement processing,
Rather than by carrying out supplementing processing with money to client's wallet, so while avoiding the reimbursement because not receiving former road at buyer end cause it is outer
The monetary losses of trade e-commerce platform；Also, by decrypting automatically, then the mode of credit alone interfaces is called to carry out
Reimbursement processing, can be greatly improved efficiency of operation.
Fig. 7 shows the functional block diagram of reimbursement processing unit according to an embodiment of the invention.As shown in figure 3, the dress
Put including：Receiving module 701, auditing module 702, acquisition module 707 and processing module 704.
Receiving module 701, suitable for being directed to every refund request that e-commerce platform verification passes through, receiving the reimbursement please
It asks.
Auditing module 702, suitable for carrying out reimbursement audit to the refund request；Wherein, reimbursement audit includes auditing reimbursement
The request time of request whether be more than payment gateway effective reimbursement time；
Acquisition module 703, if suitable for refund request request time be more than payment gateway effective reimbursement time, obtain
Payment transaction information corresponding with the refund request；
Processing module 704, suitable for calling credit interface, and according to the credit card information decrypted from payment transaction information
Carry out reimbursement processing.
In another embodiment of the present invention, reimbursement processing unit further includes：Update module 705, suitable for according to
Reimbursement processing as a result, update the refund request reimbursement information and update more than effective reimbursement time reimbursement record
Information.
Auditing module 702 is further adapted for：Whether the payment gateway of transaction that audit refund request is directed to is with receiving reimbursement
The payment gateway of request is identical；
If the payment gateway for the transaction that refund request is directed to is identical with the payment gateway for receiving refund request, reimbursement is audited
The request time of request whether be more than payment gateway effective reimbursement time.
Processing module 704 is further adapted for：Credit card information according to being decrypted from payment transaction information determines reimbursement
The reimbursement path of processing and the credit card number of reimbursement processing；Reimbursement is carried out according to the reimbursement path and credit card number
Processing.
Concrete structure and operation principle about above-mentioned modules can refer to the description of corresponding steps in embodiment of the method,
Details are not described herein again.
Fig. 8 shows the functional block diagram of the reimbursement processing system of the embodiment of the present invention.As shown in figure 8, the reimbursement processing system
System includes：Gateway server, front end processor and cross-border electric business platform；Wherein, gateway server is included in above device embodiment
Reimbursement processing unit；Cross-border electric business platform includes cross-border electric business form ordering system, cross-border electric business air control platform, the payment of cross-border electric business
Platform；And electric business platform and front end processor, by LAN connection, front end processor is connect with gateway server by public network.
The embodiment of the present application provides a kind of nonvolatile computer storage media, and the computer storage media is stored with
An at least executable instruction, the computer executable instructions can perform the reimbursement processing method in above-mentioned any means embodiment.
Fig. 9 shows a kind of structure diagram of server according to embodiments of the present invention, and the specific embodiment of the invention is simultaneously
The specific implementation of server is not limited.
As shown in figure 9, the server can include：Processor (processor) 902, communication interface
(Communications Interface) 904, memory (memory) 906 and communication bus 908.
Wherein：
Processor 902, communication interface 904 and memory 906 complete mutual communication by communication bus 908.
Communication interface 904, for communicating with the network element of miscellaneous equipment such as client or other servers etc..
Processor 902 for performing program 910, can specifically perform the correlation in above-mentioned reimbursement processing method embodiment
Step.
Specifically, program 910 can include program code, which includes computer-managed instruction.
Processor 902 may be central processor CPU or specific integrated circuit ASIC (Application
Specific Integrated Circuit) or be arranged to implement the embodiment of the present invention one or more integrate electricity
Road.The one or more processors that server includes can be same type of processor, such as one or more CPU；It can also
It is different types of processor, such as one or more CPU and one or more ASIC.
Memory 906, for storing program 910.Memory 906 may include high-speed RAM memory, it is also possible to further include
Nonvolatile memory (non-volatile memory), for example, at least a magnetic disk storage.
Program 910 specifically can be used for so that processor 902 performs following operation：
For every refund request that e-commerce platform verification passes through, the refund request is received；
Reimbursement audit is carried out to the refund request；Wherein, the request time for including auditing refund request is audited in reimbursement is
No effective reimbursement time more than payment gateway；
If the request time of refund request is more than effective reimbursement time of payment gateway, obtain and the refund request pair
The payment transaction information answered；
Credit interface is called, and reimbursement processing is carried out according to the credit card information decrypted from payment transaction information.
In a kind of optional embodiment, program 910 can specifically be further used for so that processor 902 perform it is following
Operation：
Whether the payment gateway of transaction that audit refund request is directed to is identical with receiving the payment gateway of refund request；
If the payment gateway for the transaction that refund request is directed to is identical with the payment gateway for receiving refund request, reimbursement is audited
The request time of request whether be more than payment gateway effective reimbursement time.
In a kind of optional embodiment, program 910 can specifically be further used for so that processor 902 perform it is following
Operation：
Credit card information according to being decrypted from payment transaction information determines reimbursement path and the reimbursement of reimbursement processing
The credit card number of processing；
Reimbursement processing is carried out according to the reimbursement path and credit card number.
In a kind of optional embodiment, program 910 can specifically be further used for so that processor 902 perform it is following
Operation：
Reimbursement handling result is sent to e-commerce platform, the knot handled for e-commerce platform according to the reimbursement
Fruit, the reimbursement of reimbursement information and update more than effective reimbursement time for updating the refund request record information.
Algorithm and display be not inherently related to any certain computer, virtual system or miscellaneous equipment provided herein.
Various general-purpose systems can also be used together with teaching based on this.As described above, required by constructing this kind of system
Structure be obvious.In addition, the present invention is not also directed to any certain programmed language.It should be understood that it can utilize various
Programming language realizes the content of invention described herein, and the description done above to language-specific is to disclose this hair
Bright preferred forms.
In the specification provided in this place, numerous specific details are set forth.It is to be appreciated, however, that the implementation of the present invention
Example can be put into practice without these specific details.In some instances, well known method, structure is not been shown in detail
And technology, so as not to obscure the understanding of this description.
Similarly, it should be understood that in order to simplify the disclosure and help to understand one or more of each inventive aspect,
Above in the description of exemplary embodiment of the present invention, each feature of the invention is grouped together into single implementation sometimes
In example, figure or descriptions thereof.However, the method for the disclosure should be construed to reflect following intention：I.e. required guarantor
Shield the present invention claims the more features of feature than being expressly recited in each claim.More precisely, as following
Claims reflect as, inventive aspect is all features less than single embodiment disclosed above.Therefore,
Thus the claims for following specific embodiment are expressly incorporated in the specific embodiment, wherein each claim is in itself
Separate embodiments all as the present invention.
Those skilled in the art, which are appreciated that, to carry out adaptively the module in the equipment in embodiment
Change and they are arranged in one or more equipment different from the embodiment.It can be the module or list in embodiment
Member or component be combined into a module or unit or component and can be divided into addition multiple submodule or subelement or
Sub-component.Other than such feature and/or at least some of process or unit exclude each other, it may be used any
Combination is disclosed to all features disclosed in this specification (including adjoint claim, abstract and attached drawing) and so to appoint
Where all processes or unit of method or equipment are combined.Unless expressly stated otherwise, this specification is (including adjoint power
Profit requirement, abstract and attached drawing) disclosed in each feature can be by providing the alternative features of identical, equivalent or similar purpose come generation
It replaces.
In addition, it will be appreciated by those of skill in the art that although some embodiments described herein include other embodiments
In included certain features rather than other feature, but the combination of the feature of different embodiments means in of the invention
Within the scope of and form different embodiments.For example, in the following claims, embodiment claimed is appointed
One of meaning mode can use in any combination.
The all parts embodiment of the present invention can be with hardware realization or to be run on one or more processor
Software module realize or realized with combination thereof.It will be understood by those of skill in the art that it can use in practice
Microprocessor or digital signal processor (DSP) come realize in reimbursement processing unit according to embodiments of the present invention some or
The some or all functions of person's whole component.The present invention is also implemented as perform method as described herein one
Divide either whole equipment or program of device (for example, computer program and computer program product).Such this hair of realization
Bright program can may be stored on the computer-readable medium or can have the form of one or more signal.It is such
Signal can be downloaded from internet website to be obtained either providing on carrier signal or providing in the form of any other.
It should be noted that the present invention will be described rather than limits the invention, and ability for above-described embodiment
Field technique personnel can design alternative embodiment without departing from the scope of the appended claims.In the claims,
Any reference mark between bracket should not be configured to limitations on claims.Word "comprising" does not exclude the presence of not
Element or step listed in the claims.Word "a" or "an" before element does not exclude the presence of multiple such
Element.The present invention can be by means of including the hardware of several different elements and being come by means of properly programmed computer real
It is existing.If in the unit claim for listing equipment for drying, several in these devices can be by same hardware branch
To embody.The use of word first, second, and third does not indicate that any sequence.These words can be explained and run after fame
Claim.
Claims (10)
1. a kind of reimbursement processing method, which is characterized in that including：
For every refund request that e-commerce platform verification passes through, the refund request is received；
Reimbursement audit is carried out to the refund request；Wherein, reimbursement audits whether the request time for including auditing refund request surpasses
Spend effective reimbursement time of payment gateway；
If the request time of refund request is more than effective reimbursement time of payment gateway, obtain corresponding with the refund request
Payment transaction information；
Credit interface is called, and reimbursement processing is carried out according to the credit card information decrypted from payment transaction information.
2. according to the method described in claim 1, it is characterized in that, it is described audit refund request request time whether be more than
Before effective reimbursement time of payment gateway, the method further includes：Auditing the payment gateway of transaction that refund request is directed to is
The no payment gateway with receiving refund request is identical；
Then it is described audit refund request request time whether be more than payment gateway effective reimbursement time be specially：If reimbursement please
The payment gateway for asking the transaction being directed to is identical with the payment gateway for receiving refund request, then auditing the request time of refund request is
No effective reimbursement time more than payment gateway.
3. method according to claim 1 or 2, which is characterized in that described and decrypted according to from payment transaction information
Credit card information carry out reimbursement processing further comprise：Credit card information according to being decrypted from payment transaction information determines
The reimbursement path of reimbursement processing and the credit card number of reimbursement processing；
Reimbursement processing is carried out according to the reimbursement path and credit card number.
4. according to claim 1-3 any one of them methods, which is characterized in that described and according to from payment transaction information
After the credit card information decrypted carries out reimbursement processing, the method further includes：Reimbursement handling result is sent to e-commerce
Platform, for e-commerce platform according to the reimbursement handle as a result, updating the reimbursement information of the refund request, Yi Jigeng
Newly more than the reimbursement of effective reimbursement time record information.
5. a kind of reimbursement processing unit, which is characterized in that including：
Receiving module suitable for being directed to every refund request that e-commerce platform verification passes through, receives the refund request；
Auditing module, suitable for carrying out reimbursement audit to the refund request；Wherein, reimbursement audit includes auditing asking for refund request
Seeking time whether be more than payment gateway effective reimbursement time；
Acquisition module, if suitable for refund request request time be more than payment gateway effective reimbursement time, obtain with it is described
The corresponding payment transaction information of refund request；
Processing module suitable for calling credit interface, and is moved back according to the credit card information decrypted from payment transaction information
Money processing.
6. device according to claim 5, which is characterized in that the auditing module is further adapted for：Audit refund request
For transaction payment gateway whether with receive refund request payment gateway it is identical；
If the payment gateway for the transaction that refund request is directed to is identical with the payment gateway for receiving refund request, refund request is audited
Request time whether be more than payment gateway effective reimbursement time.
7. device according to claim 5 or 6, which is characterized in that the processing module is further adapted for：According to from payment
The credit card information decrypted in Transaction Information determines the reimbursement path of reimbursement processing and the credit card number of reimbursement processing；
Reimbursement processing is carried out according to the reimbursement path and credit card number.
8. a kind of reimbursement processing system, which is characterized in that including：Gateway server, front end processor and cross-border electric business platform；Its
In, gateway server includes the reimbursement processing unit described in any one of claim 5-7；Cross-border electric business platform includes cross-border electricity
Agree single system, cross-border electric business air control platform, cross-border electric business payment platform；And electric business platform passes through LAN with front end processor
Connection, front end processor are connect with gateway server by public network.
9. a kind of server, including：Processor, memory, communication interface and communication bus, the processor, the memory
Mutual communication is completed by the communication bus with the communication interface；
For the memory for storing an at least executable instruction, the executable instruction makes the processor perform right such as will
Ask the corresponding operation of reimbursement processing method described in any one of 1-4.
10. a kind of computer storage media, an at least executable instruction, the executable instruction are stored in the storage medium
Processor is made to perform the corresponding operation of reimbursement processing method as described in any one of claim 1-4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810029609.XA CN108197917A (en) | 2018-01-12 | 2018-01-12 | Reimbursement processing method, apparatus and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810029609.XA CN108197917A (en) | 2018-01-12 | 2018-01-12 | Reimbursement processing method, apparatus and system |
Publications (1)
| Publication Number | Publication Date |
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| CN108197917A true CN108197917A (en) | 2018-06-22 |
Family
ID=62588752
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810029609.XA Pending CN108197917A (en) | 2018-01-12 | 2018-01-12 | Reimbursement processing method, apparatus and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108197917A (en) |
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| CN109816407A (en) * | 2019-02-27 | 2019-05-28 | 深圳乐信软件技术有限公司 | A kind of reimbursement processing method, device, equipment and storage medium |
| CN110033274A (en) * | 2019-01-09 | 2019-07-19 | 阿里巴巴集团控股有限公司 | Withdrawing method, reimbursement system and the single receiving system of receipts |
| CN110046995A (en) * | 2018-12-28 | 2019-07-23 | 阿里巴巴集团控股有限公司 | Refund request processing method, device and equipment |
| CN110866814A (en) * | 2019-10-11 | 2020-03-06 | 上海瀚银信息技术有限公司 | Payment channel management system |
| CN111311360A (en) * | 2020-02-03 | 2020-06-19 | 网银在线（北京）科技有限公司 | Resource return method and device, storage medium and electronic device |
| CN112465621A (en) * | 2019-09-06 | 2021-03-09 | 京东数字科技控股有限公司 | Credit fund data processing method, device, system, medium and electronic equipment |
| CN112749975A (en) * | 2019-10-31 | 2021-05-04 | ***通信集团浙江有限公司 | Method for automatically processing refund request and automatic processing platform |
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