CN108256843B - Payment-instead transaction method and payment-instead transaction system - Google Patents
Payment-instead transaction method and payment-instead transaction system Download PDFInfo
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- CN108256843B CN108256843B CN201810032598.0A CN201810032598A CN108256843B CN 108256843 B CN108256843 B CN 108256843B CN 201810032598 A CN201810032598 A CN 201810032598A CN 108256843 B CN108256843 B CN 108256843B
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Abstract
The invention provides a payment-on-behalf transaction method and a payment-on-behalf transaction system, which are applied to payment-on-behalf transactions, wherein a payment-on-behalf processing server receives a transaction request sent by a client and creates the transaction request to form a corresponding transaction order, the payment-on-behalf processing server starts a main thread at intervals of a preset time period, the main thread creates a plurality of sub-threads corresponding to back-up payment account numbers one by one, and each sub-thread acquires transaction data in the transaction order related to the corresponding back-up payment account number; the main thread processes the transaction data acquired by each sub-thread to form a transaction processing request and sends the transaction processing request to the third-party server, and the transaction processing request is processed by the third-party server to return a processing result to the payment-on-behalf processing server; and the payment-taking-over processing server records the transaction state of each transaction order according to the return result and respectively returns the return result to the corresponding client. The problem of blocking a request processing process is avoided, the concurrency processing efficiency is improved, and the account arrival time of a user corresponding to a transaction order is saved.
Description
Technical Field
The invention relates to the technical field of transaction payment, in particular to a payment-instead transaction method and a payment-instead transaction system.
Background
With the continuous development of electronic information, online transactions, i.e., transactions completed through the internet, are increasing day by day, and almost all articles can be transacted on the internet at present, and the transactions mainly complete the purchase of various physical articles, information services and virtual products by virtue of virtual money.
In the existing transaction system, when a client side purchases goods or services on line, before the goods receiving is confirmed, the paid goods money is always put in a reserve payment account number provided by a reserve payment transaction processing service side before the goods receiving is confirmed, then the reserve payment transaction processing service side processes the transactions between a third-party service side (the third-party service side is a reserve payment bank, which is an in-home banking financial institution that signs an agreement with the reserve payment transaction processing service side (payment institution) and provides a customer reserve payment deposit management service, including the reserve payment deposit management bank and the reserve payment alloy bank), and then returns the processing result to the transaction processing service side, and the transaction processing service side returns the processing result to the corresponding client side.
The existing payment-for-replacement transaction processing mode has the following problems that the transaction processing server provides the same payment-preparation account number to process each transaction, the processing adopts a single thread mode, namely, the next transaction is processed only after the processing of each transaction is finished, when the transaction amount is huge, the long processing waiting time is inevitably caused, and meanwhile, the huge pressure of a system is caused.
Disclosure of Invention
Aiming at the problems of the payment-instead transaction processing in the prior art, the payment-instead transaction method and the payment-instead transaction system aim to realize the simultaneous processing of a plurality of transactions, improve the concurrency processing efficiency and effectively reduce the pressure of a payment-instead processing server system.
The specific technical scheme is as follows:
a payment-instead transaction method is applied to payment-instead transaction, wherein a client, a payment-instead processing server and a third-party server are provided;
the payment-instead processing server side provides a plurality of spare payment account numbers for the client side to select and initiate a transaction request, wherein the transaction request comprises the transaction data of payment-instead;
the method comprises the following steps:
step S1, the client sends the transaction request to the agent payment processing server;
step S2, the payment-for-use processing server creates and forms a corresponding transaction order according to the transaction request and stores the transaction order, wherein the transaction order comprises the payment-for-use transaction data;
step S3, the payment-for-replacement processing server side starts a main thread every other preset time period;
step S4, the main thread creates a plurality of sub-threads, the sub-threads correspond to the prepaid account numbers one by one, and each sub-thread acquires the transaction data in the transaction order related to the corresponding prepaid account number;
step S5, the main thread processes the transaction data acquired by each sub-thread to form a transaction processing request and sends the transaction processing request to the third-party server;
step S6, the third party service end returns the processing result to the payment-for-replacement processing service end after executing the processing according to the transaction processing request;
and step S7, the payment-on-behalf processing server side records the transaction state of each transaction order according to the return result, and returns the return result to the corresponding client side respectively.
Preferably, the predetermined time period is 30 seconds.
Preferably, the payment-for-replacement processing server provides a data storage container, and the data storage container is used for storing the transaction order corresponding to the transaction request.
Preferably, the payment-taking-as-placement processing server provides a data association unit connected to the data storage container, so as to establish an association relationship between the transaction order and the corresponding payment-preparation account according to a preset rule.
Preferably, the data storage container is a database.
Preferably, each sub-thread acquires the transaction data in all the transaction orders associated with the prepaid account number within the preset time period.
Preferably, the main thread is configured to combine the transaction data in the transaction order corresponding to each sub-thread to form the transaction processing request;
and sending the transaction processing request to the third-party server side through the payment-on-behalf processing server side to perform payment transaction processing so as to form the processing result.
Preferably, the transaction data in the transaction request includes target account information and payment amount.
The payment-instead transaction system comprises a client, a payment-instead processing server connected with the client and a third-party server connected with the payment-instead processing server, and is characterized in that the payment-instead transaction system is suitable for the payment-instead transaction method.
The technical scheme has the following advantages or beneficial effects: the transaction request sent by the client is received and then stored in an asynchronous processing mode, and when a transaction order of the transaction request is processed, information that the transaction request is processed is synchronously returned to the client, so that the problem of request processing process blockage is avoided even in a high and concurrent transaction request amount of the client;
meanwhile, a plurality of transaction orders can be simultaneously sent to a third-party server side for payment operation through the provided plurality of pay account numbers, so that the concurrence processing efficiency is improved, and the account arrival time of the user corresponding to the transaction orders is saved.
Drawings
Embodiments of the present invention will now be described more fully hereinafter with reference to the accompanying drawings. The drawings are, however, to be regarded as illustrative and explanatory only and are not restrictive of the scope of the invention.
FIG. 1 is a flow chart of an embodiment of a payment-for-replacement transaction method of the present invention;
fig. 2 is a schematic structural diagram of a payment-for-replacement transaction system 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.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict.
The invention is further described with reference to the following drawings and specific examples, which are not intended to be limiting.
The technical scheme of the invention comprises a payment-instead transaction method.
An embodiment of a payment-instead transaction method is applied to payment-instead transaction and is characterized in that a client, a payment-instead processing server and a third-party server are provided;
the payment-substituting processing server side provides a plurality of spare payment account numbers for the client side to select and initiate a transaction request, wherein the transaction request comprises the payment-substituting transaction data;
as shown in fig. 1, the method comprises the following steps:
step S1, the client sends the transaction request to the payment-for-agent processing server;
step S2, the agent payment processing service end creates and forms a corresponding transaction order according to the transaction request and stores the transaction order, the transaction order comprises the transaction data of agent payment, the agent service end returns information that the transaction state is being processed to the client after forming the transaction order, and the current conversation between the client and the agent service end is ended;
step S3, the payment-substituting processing server side starts a main thread every other preset time period;
step S4, the main thread creates a plurality of sub-threads, the sub-threads correspond to the prepaid account numbers one by one, and each sub-thread acquires transaction data in a transaction order related to the corresponding prepaid account number;
step S5, the main thread processes the transaction data acquired by each sub-thread to form a transaction processing request and sends the transaction processing request to a third-party server;
step S6, after the third-party server executes the processing according to the transaction processing request, the third-party server returns the processing result to the payment-on-behalf processing server;
and step S7, the payment withholding processing server side records the transaction state of each transaction order according to the return result and respectively returns the return result to the corresponding client side.
The method aims at solving the problems that in the prior art, when the transaction amount is huge, the transaction request of a client is processed, long processing waiting time is inevitably caused, and meanwhile, the system is under huge pressure.
Firstly, a payment substitute processing server side adopts an asynchronous processing mode, a corresponding transaction order is established for each transaction request according to the asynchronous processing mode adopted by the transaction request of a client side, after a main thread is started, a plurality of sub-threads are used according to the number of a spare payment account number, so that the spare payment account number corresponds to the sub-threads one by one, then each sub-thread acquires corresponding transaction data in the transaction order related to the spare payment account number, and the transaction data of a plurality of transaction orders are combined to form the transaction processing request to be sent to a third-party server side;
the third-party processing service end executes the corresponding account processing operation according to the transaction data in the transaction processing request, and it should be noted that the third-party processing service end is a fund preparation bank, which is a domestic banking financial institution that signs an agreement with a payment-substituting transaction processing service end (payment institution) and provides the customer fund preparation deposit management service, and comprises a fund preparation deposit management bank and a fund preparation bank.
In a preferred embodiment, the predetermined time period is 30 seconds.
In the technical scheme, the preset time period can be set in a user-defined mode according to requirements.
In a preferred embodiment, the payment processing server provides a data storage container for storing the transaction order corresponding to the transaction request.
In a preferred embodiment, the payment-taking-as-placement processing server provides a data association unit connected to the data storage container, for establishing an association relationship between the transaction order and the corresponding payment-preparation account according to a preset rule.
In the above technical solution, the preset transaction rule means that the payment assistant transaction system opens a service merchant number for the transaction requester, the service merchant number establishes a relationship with the payment preparation account, and the transaction requester needs to transmit the service merchant number to the payment assistant transaction system.
In a preferred embodiment, the data storage container is a database.
In a preferred embodiment, the transaction data in the transaction request includes target account information and an amount of payment.
In a preferred embodiment, each sub-thread obtains transaction data in all transaction orders associated with the prepaid monetary account number within a predetermined time period.
In a preferred embodiment, the main thread is used for combining and processing the transaction data in the transaction order corresponding to each sub-thread to form a transaction processing request;
and sending the transaction processing request to a third-party service end through the payment-on-behalf processing service end to perform payment transaction processing so as to form a processing result.
In the following, a specific embodiment is described, assuming that there are A, B and C, the main thread creates 3, such as sub-thread a, sub-thread b and sub-thread C, according to the number of the prepaid account, in a predetermined time period:
n1 transaction orders associated with the prepaid financial account number A are created;
n2 transaction orders associated with the prepaid financial account number B are created;
n3 transaction orders associated with the prepaid monetary account number C are created;
the main thread combines the transaction data corresponding to the N1, N2 and N3 transaction orders into a transaction processing request and sends the transaction processing request to the third-party server;
processing each transaction data in the transaction processing request through the third-party service end, wherein it should be noted that the processing of the transaction data actually performs account arrival processing of the pay bank transaction on the target account through the account information in the transaction data and the transaction amount to be paid by the third-party service end, and after the processing is completed, a processing result is returned to the proxy payment processing service end.
The technical scheme of the invention also comprises a payment-for-delivery transaction system.
As shown in fig. 2, an embodiment of a payment-for-replacement transaction system includes a client 1, a payment-for-replacement processing server 2 connected to the client 1, and a third-party server 3 connected to the payment-for-replacement processing server 2, wherein the payment-for-replacement transaction system is suitable for the above-mentioned payment-for-replacement transaction method.
In the technical scheme, the payment-for-placement processing server 2 receives the transaction request sent by the client 1 and then stores the transaction request in an asynchronous processing mode, and synchronously returns information that the transaction request is being processed to the client 1 when processing the transaction order of the transaction request, so that the problem of requesting processing process blocking cannot be caused even if the transaction request amount of the client 1 is high and is in a concurrent state;
meanwhile, through the provided multiple pay account numbers, multiple transaction orders can be simultaneously sent to the third-party server side 3 for transaction payment processing, the concurrence processing efficiency is improved, and the account arrival time of the user corresponding to the transaction orders is saved.
While the invention has been described with reference to a preferred embodiment, it will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the invention.
Claims (9)
1. A kind of trade method of paying instead, apply to and pay instead in the trade, characterized by that, offer a customer end, pay and deal with the server and third party server one time;
the payment-instead processing server side provides a plurality of spare payment account numbers for the client side to select and initiate a transaction request, wherein the transaction request comprises the transaction data of payment-instead;
the method comprises the following steps:
step S1, the client sends the transaction request to the agent payment processing server;
step S2, the payment-for-use processing server creates and forms a corresponding transaction order according to the transaction request and stores the transaction order, wherein the transaction order comprises the payment-for-use transaction data;
step S3, the payment-for-replacement processing server side starts a main thread every other preset time period;
step S4, the main thread creates a plurality of sub-threads, the sub-threads correspond to the prepaid account numbers one by one, and each sub-thread acquires the transaction data in the transaction order related to the corresponding prepaid account number;
step S5, the main thread processes the transaction data acquired by each sub-thread to form a transaction processing request and sends the transaction processing request to the third-party server;
step S6, the third party service end returns the processing result to the payment-for-replacement processing service end after executing the processing according to the transaction processing request;
step S7, the payment-on-behalf processing server side records the transaction state of each transaction order according to the return result, and returns the return result to the corresponding client side respectively;
the payment-for-use processing server is used for establishing an association relationship between the transaction order and the corresponding payment-for-use account number according to a preset rule, the preset rule is that the payment-for-use transaction system can open a service merchant number for a transaction request party, the service merchant number is in an established relationship with the payment-for-use account number, and the transaction request party needs to transmit the service merchant number into the payment-for-use transaction system.
2. The payment-as-placement transaction method of claim 1, wherein the predetermined period of time is 30 seconds.
3. The payment-for-replacement transaction method according to claim 1, wherein the payment-for-replacement processing server provides a data storage container, and the data storage container is used for storing the transaction order corresponding to the transaction request.
4. The payment-for-replacement transaction method according to claim 3, wherein the payment-for-replacement processing server provides a data association unit connected to the data storage container, so as to establish an association relationship between the transaction order and the corresponding payment-ready account according to a preset rule.
5. A payment transaction method according to claim 3, wherein the data storage container is a database.
6. A method of a payment-as-received transaction according to claim 3, wherein each sub-thread obtains the transaction data in all of the transaction orders associated with the back-up fund account number within the predetermined time period.
7. The payment-for-replacement transaction method according to claim 6, wherein the main thread is configured to combine and process the transaction data in the transaction order corresponding to each sub-thread to form the transaction processing request;
and sending the transaction processing request to the third-party server side through the payment-on-behalf processing server side to perform payment transaction processing so as to form the processing result.
8. The method of claim 1, wherein the transaction data in the transaction request includes target account information and amount of payment.
9. A payment-withholding transaction system, comprising a client, a payment-withholding processing server connected with the client, and a third-party server connected with the payment-withholding processing server, characterized in that the payment-withholding transaction system is adapted to the payment-withholding transaction method according to any one of claims 1 to 8.
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| TWI821125B (en) * | 2023-02-20 | 2023-11-01 | 臺灣網路認證股份有限公司 | Internet service transaction system for setting performance guarantee and telecom collection and method thereof |
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| CN110473110B (en) * | 2019-07-05 | 2023-11-28 | 中国平安人寿保险股份有限公司 | Data processing method and device, readable storage medium and terminal equipment |
| CN110955670A (en) * | 2019-10-30 | 2020-04-03 | 成都摩宝网络科技有限公司 | Payment transaction data consistency control method and system based on distributed transaction |
| CN113095935A (en) * | 2021-03-16 | 2021-07-09 | 深圳华锐金融技术股份有限公司 | Transaction order processing method and device, computer equipment and storage medium |
| CN115713420B (en) * | 2023-01-09 | 2023-04-28 | 北京万赋互联网科技集团有限公司 | Flexible recruitment service platform substitution and collection data transmission method |
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