CN109583855A - Payment funding method, apparatus, computer equipment and storage medium - Google Patents
Payment funding method, apparatus, computer equipment and storage medium Download PDFInfo
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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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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Abstract
The embodiment of the invention discloses a kind of payment funding method, apparatus, computer equipment and storage medium, include the following steps: to obtain Transaction Information to be confirmed, wherein the Transaction Information includes: subscriber's account, Third-party payment bill and gathering bill；It is whether consistent that the subscriber's account, Third-party payment bill and gathering bill are checked according to the Transaction Information；When the subscriber's account, Third-party payment bill are consistent with gathering bill, Transaction Information is sent to user terminal.Since central account is during transaction, the Transaction Information of Trading parties transmission can be obtained, and then central account is enable to carry out complete monitoring to entire transaction flow, simultaneously because the advantage that information summarizes can make Transaction Information be more difficult to be modified, to ensure that the safety of transaction.
Description
Technical field
The present embodiments relate to data processing field, especially a kind of payment funding method, apparatus, computer equipment and
Storage medium.
Background technique
When on-line payment refers to that the seller and buyer are traded by the e-commerce website on internet, bank mentions for it
For a kind of business of online capital settlement service.It for enterprises and individuals provide one safely, quickly, easily e-commerce
Application environment and online capital settlement tool.
In the prior art, it is carried out when on-line payment by linear mode, i.e., user passes through payment terminal to third party's branch
Pay mechanism (bank, Alipay or wechat) send payment request, Third-party payment mechanism after receiving the payment request of user,
It transfers accounts to final beneficiary, and deducts the corresponding amount of money on user account and complete payment, so far, online trading is completed.
The inventor of the invention has found that the linear and unidirectional means of payment, entire to hand in the prior art under study for action
Easy process lacks global control, can not supervise to Capital Flow, Capital Flow receives safely challenge.
Summary of the invention
The embodiment of the present invention provides payment funding method, the dress that one kind can carry out calibration verification to multi-party payment flow
It sets, computer equipment and storage medium.
In order to solve the above technical problems, the technical solution that the embodiment of the invention uses is: providing a kind of money
Golden method of payment, includes the following steps:
Obtain Transaction Information to be confirmed, wherein the Transaction Information include: subscriber's account, Third-party payment bill and
Gathering bill；
It is whether consistent that the subscriber's account, Third-party payment bill and gathering bill are checked according to the Transaction Information；
When the subscriber's account, Third-party payment bill are consistent with gathering bill, Transaction Information is sent to user terminal.
Optionally, further include following step before described the step of obtaining Transaction Information to be confirmed:
Obtain the subscriber's account；
Starting timer task generates the first duration from obtaining the subscriber's account；
First duration is compared with preset first time threshold, when first duration is greater than described first
Time threshold, and when not receiving the Third-party payment bill, inquiry message is sent to Third-party payment terminal.
Optionally, first duration is compared with preset first time threshold, when first duration is greater than
The first time threshold, and when not receiving the Third-party payment bill, inquiry message is sent to Third-party payment terminal
The step of after, further include following step:
Obtain the Third-party payment bill；
Starting timer task generates the second duration from obtaining the Third-party payment bill；
Second duration is compared with preset second time threshold, when second duration is greater than described second
Time threshold, and when not receiving the gathering bill, Xiang Suoshu cash receiving terminal sends the inquiry message.
Optionally, first duration is compared with preset first time threshold, when first duration is greater than
The first time threshold, and when not receiving the Third-party payment bill, inquiry message is sent to Third-party payment terminal
The step of after, further include following step:
The Third-party payment terminal is obtained in response to the return information of the inquiry message, wherein the return information
In include bill reply time-out reason；
The return information is written to generate in preset reply template and explains information；
The explanation information is sent to the user terminal.
Optionally, the Transaction Information includes discount coupon, and the payment funding method is used for central account message scheduling；Institute
Further include following step before stating the step of obtaining Transaction Information to be confirmed:
Obtain the source-information of the discount coupon；
Identify whether the publisher of the discount coupon is the central account according to the source-information；
When the publisher of the discount coupon is the central account, transfer accounts to the initiation of Third-party payment terminal, to supply
The preferential amount of money of the discount coupon characterization.
Optionally, described when the publisher of the discount coupon is the central account, it is initiated to Third-party payment terminal
Transfer accounts, the step of the preferential amount of money to supply discount coupon characterization after, further include following step:
Obtain the refund request that user terminal is sent, wherein include the preferential letter of the discount coupon in the refund request
Breath；
Identify whether the publisher of the discount coupon is the central account according to the favor information；
When the publisher of the discount coupon is the central account, the transmission of Xiang Suoshu Third-party payment terminal is withholdd logical
Know, to deduct the preferential amount of money of the discount coupon characterization.
Optionally, described when the publisher of the discount coupon is the central account, it is initiated to Third-party payment terminal
Transfer accounts, the step of the preferential amount of money to supply discount coupon characterization after, further include following step:
Obtain the refund request that user terminal is sent, wherein include reimbursement reason in the refund request；
Identify whether the reimbursement responsible party characterized in the reimbursement reason is beneficiary；
When the reimbursement responsible party is the beneficiary, Xiang Suoshu user terminal send it is identical as the discount coupon or
Similar discount coupon.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of payment funding device, comprising:
Module is obtained, for obtaining Transaction Information to be confirmed, wherein the Transaction Information includes: subscriber's account, third
Square payment bill and gathering bill；
Processing module, for checking the subscriber's account, Third-party payment bill and gathering account according to the Transaction Information
It is single whether consistent；
Execution module is used for when the subscriber's account, Third-party payment bill are consistent with gathering bill, to user terminal
Send Transaction Information.
Optionally, the payment funding device further include:
First acquisition submodule, for obtaining the subscriber's account；
First processing submodule, for starting timer task the first duration of generation from obtaining the subscriber's account；
First implementation sub-module, for first duration to be compared with preset first time threshold, when described
First duration is greater than the first time threshold, and when not receiving the Third-party payment bill, to Third-party payment terminal
Send inquiry message.
Optionally, the payment funding device further include:
Second acquisition submodule, for obtaining the Third-party payment bill；
Second processing submodule, for when starting timer task generates second from obtaining the Third-party payment bill
It is long；
Second implementation sub-module, for second duration to be compared with preset second time threshold, when described
Second duration is greater than the second time threshold, and when not receiving the gathering bill, described in the transmission of Xiang Suoshu cash receiving terminal
Inquiry message.
Optionally, the payment funding device further include:
Third acquisition submodule is believed for obtaining the Third-party payment terminal in response to the reply of the inquiry message
Breath, wherein include the reason that bill replys time-out in the return information；
Third handles submodule, explains information for the return information to be written to generate in preset reply template；
Third implementation sub-module, for the explanation information to be sent to the user terminal.
Optionally, the Transaction Information includes discount coupon, and the payment funding method is used for central account message scheduling；Institute
State payment funding device further include:
4th acquisition submodule, for obtaining the source-information of the discount coupon；
Fourth process submodule, for identifying whether the publisher of the discount coupon is in described according to the source-information
Heart account；
4th implementation sub-module, for when the publisher of the discount coupon is the central account, to Third-party payment
Terminal initiation is transferred accounts, to supply the preferential amount of money of the discount coupon characterization.
Optionally, the payment funding device further include:
5th acquisition submodule, for obtaining the refund request of user terminal transmission, wherein include in the refund request
The favor information of the discount coupon；
5th processing submodule, for identifying whether the publisher of the discount coupon is in described according to the favor information
Heart account；
5th implementation sub-module, for when the publisher of the discount coupon is the central account, Xiang Suoshu third party
Payment terminal sends notice of withholing, to deduct the preferential amount of money of the discount coupon characterization.
Optionally, the payment funding device further include:
6th acquisition submodule, for obtaining the refund request of user terminal transmission, wherein include in the refund request
Reimbursement reason；
6th processing submodule, whether the reimbursement responsible party characterized in the reimbursement reason for identification is beneficiary；
6th implementation sub-module, for when the reimbursement responsible party is the beneficiary, Xiang Suoshu user terminal to be sent
The discount coupon same or similar with the discount coupon.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of computer equipment, including memory and processing
Device is stored with computer-readable instruction in the memory, when the computer-readable instruction is executed by the processor, so that
The processor executes the step of payment funding method described above.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of storage Jie for being stored with computer-readable instruction
Matter, when the computer-readable instruction is executed by one or more processors, so that one or more processors execute above-mentioned institute
The step of stating payment funding method.
The beneficial effect of the embodiment of the present invention is: by the way that central account is arranged, central account obtains respectively when trading on line
It is taken as the gathering bill of the subscriber's account for user credential, the payment bill of Third-party payment mechanism and beneficiary, passes through ratio
To whether unanimously, determining whether the transaction succeeds between above three bill, Transaction Information is sent out after confirming transaction success
It send to user terminal, completes the overall flow of online trading.Since central account is during transaction, it is each that transaction can be obtained
The Transaction Information just sent, and then central account is enable to carry out complete monitoring to entire transaction flow, simultaneously because information is converged
Total advantage can make Transaction Information be more difficult to be modified, to ensure that the safety of transaction.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those skilled in the art, without creative efforts, it can also be obtained according to these attached drawings other attached
Figure.
Fig. 1 is the basic procedure schematic diagram of payment funding of embodiment of the present invention method；
Fig. 2 is the flow diagram that the embodiment of the present invention sends query message；
Fig. 3 is the flow diagram for the second method that the embodiment of the present invention sends query message；
Fig. 4 is that the embodiment of the present invention generates the flow diagram for explaining information；
Fig. 5 is the flow diagram that central account of the embodiment of the present invention makes up preferential margins；
Fig. 6 is the flow diagram that the preferential amount of money is deducted when reimbursement of the embodiment of the present invention；
Fig. 7 is the flow diagram that discount coupon of the embodiment of the present invention is reissued；
Fig. 8 is the basic structure schematic diagram of payment funding of embodiment of the present invention device；
Fig. 9 is computer equipment of embodiment of the present invention basic structure block diagram.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.
In some processes of the description in description and claims of this specification and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those skilled in the art's every other implementation obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Those skilled in the art of the present technique are appreciated that " terminal " used herein above, " terminal device " both include wireless communication
The equipment of number receiver, only has the equipment of the wireless signal receiver of non-emissive ability, and including receiving and emitting hardware
Equipment, have on bidirectional communication link, can execute two-way communication reception and emit hardware equipment.This equipment
It may include: honeycomb or other communication equipments, shown with single line display or multi-line display or without multi-line
The honeycomb of device or other communication equipments；PCS (Personal Communications Service, PCS Personal Communications System), can
With combine voice, data processing, fax and/or communication ability；PDA (Personal Digital Assistant, it is personal
Digital assistants), it may include radio frequency receiver, pager, the Internet/intranet access, web browser, notepad, day
It goes through and/or GPS (Global Positioning System, global positioning system) receiver；Conventional laptop and/or palm
Type computer or other equipment, have and/or the conventional laptop including radio frequency receiver and/or palmtop computer or its
His equipment." terminal " used herein above, " terminal device " can be it is portable, can transport, be mounted on the vehicles (aviation,
Sea-freight and/or land) in, or be suitable for and/or be configured in local runtime, and/or with distribution form, operate in the earth
And/or any other position operation in space." terminal " used herein above, " terminal device " can also be communication terminal, on
Network termination, music/video playback terminal, such as can be PDA, MID (Mobile Internet Device, mobile Internet
Equipment) and/or mobile phone with music/video playing function, it is also possible to the equipment such as smart television, set-top box.
Referring to Fig. 1, Fig. 1 is the basic procedure schematic diagram of the present embodiment payment funding method.
As shown in Figure 1, a kind of payment funding method, includes the following steps:
S1100, Transaction Information to be confirmed is obtained, wherein the Transaction Information includes: subscriber's account, Third-party payment
Bill and gathering bill；
Server end where central account obtains the bill of transaction tripartite respectively in process of exchange.Wherein, user is whole
End is paid by Third-party payment platform to seller or ISP after confirmation purchase product or service, and
User terminal generates subscriber's account.Include: user's time of payment in subscriber's account, pays the third-party platform mechanism used, receives
Money side and payment amount.Third-party payment terminal is after the payment request for receiving user terminal initiation, according in payment request
Beneficiary and payment amount, on user account draw take account of the corresponding amount of money to beneficiary in Third-party payment platform
Middle completion is transferred accounts.The Third-party payment bill for generation of transferring accounts is sent to center account after completing to transfer accounts by Third-party payment terminal
Family.Wherein Third-party payment bill includes: the initiation account, beneficiary account and payment amount of payment.Cash receiving terminal is as friendship
Whether easy final payee consults in account after the transfer information for receiving the transmission of Third-party payment terminal by corresponding money
Item income, confirmation send gathering bill to central account there are when income.Bill of collecting money includes: payment account, Third-party payment
Mechanism and payment amount.But the content for including in subscriber's account, Third-party payment bill and gathering bill is not limited to this, root
According to the difference of concrete application scene, in some embodiments, payment account, Third-party payment mechanism and payment amount further include
Buy the information of commodity or service.
S1200, checked according to the Transaction Information subscriber's account, Third-party payment bill and gathering bill whether one
It causes；
Central account verifies transaction according to the subscriber's account of acquisition, Third-party payment bill and gathering bill.School
The method tested can be whether the transaction amount in above-mentioned three bills of verification is consistent, by extracting the trade gold in each bill
Whether consistent volume compares three transaction amount.The method for extracting transaction amount can be by training to convergent convolutional Neural
Network extracts transaction amount.But manner of comparison is not limited to this, in some embodiments, can also than statement
Be first confirm that the Third-party payment mechanism being directed toward in subscriber's account whether be Third-party payment bill sender, if so,
Confirmation Third-party payment bill in beneficiary whether be collect money bill sender；If so, finally confirming above three account
Whether the billing amount in list is consistent.
S1300, when the subscriber's account, Third-party payment bill with gathering bill it is consistent when, to user terminal send hand over
Easy information.
When consistent by the content in comparison confirmation above three bill, central account sends transaction letter to user terminal
Breath.Wherein, Transaction Information is specified according to above three bill content, and content can include: the transaction deadline, transaction amount
With the information such as account balance.
Above embodiment is by setting central account, and central account is obtained respectively as user credential when trading on line
Subscriber's account, the payment bill of Third-party payment mechanism and the gathering bill of beneficiary, pass through compare above three bill
Between it is whether consistent, determine whether the transaction succeeds, be sent to the user terminal Transaction Information after confirming transaction success, it is complete
At the overall flow of online trading.Since central account is during transaction, the transaction letter of Trading parties transmission can be obtained
Breath, and then central account is enable to carry out complete monitoring to entire transaction flow, simultaneously because the advantage that information summarizes can make
Transaction Information is more difficult to be modified, to ensure that the safety of transaction.
In some embodiments, to prevent Transaction Information from retaining in transmitting, or since failure causes to pay
The case where delay sends pay status without normal direction user, central account carry out timing after the bill for receiving user's transmission, when
After timing time is more than the preset time, central account can send query message, to Third-party payment terminal or cash receiving terminal into
Row inquiry.Referring to Fig. 2, Fig. 2 is the flow diagram of the transmission query message of the present embodiment.
As shown in Fig. 2, further including following step before step S1100:
S1011, the subscriber's account is obtained；
User terminal is after confirmation purchase product or service, by Third-party payment platform to seller or ISP
It is paid, and generates subscriber's account in user terminal.Include: user's time of payment in subscriber's account, pays the third used
Square platform mechanism, beneficiary and payment amount.
S1012, starting timer task generates the first duration from obtaining the subscriber's account；
Central account opens timer task, wherein timer task after the subscriber's account for receiving user terminal transmission
When time started is the subscriber's account that received server-side is sent to user terminal, centered on the end time of timer task
Account terminates when receiving Third-party payment bill.The timer task one during central account does not receive Third-party payment bill
It causes to continue, the time that timing generates is the first duration.
S1013, first duration is compared with preset first time threshold, when first duration is greater than institute
When stating first time threshold, and not receiving the Third-party payment bill, inquiry message is sent to Third-party payment terminal.
First duration is compared with preset first time threshold, when the first duration be greater than first time threshold, also
When not receiving the Third-party payment bill of Third-party payment terminal transmission, central account sends inquiry letter to Third-party payment terminal
Breath.Wherein, in query message including but not limited to: initiating the user account of payment, initiate time, payment amount and the branch of payment
Pay the information such as beneficiary.
Third-party payment terminal passes through the corresponding bill of the content search of query message after receiving above-mentioned query message
Information is handled, information-reply will be handled after allowing to central account.Processing information includes but is not limited to: corresponding bill processing stage,
Complete information or fault message.Central account is after receiving processing information, according to the content in processing information to user terminal
Send information.For example, processing information is that network failure causes to transfer accounts when can not handle in time, central account manages information according to this
To user terminal " this order can not be handled in time due to failure cause, please be hung on " is sent, it is eager to console user
Mood.
It, can be after Third-party payment terminal bill forward delay interval, in time to Third-party payment by above embodiment
Terminal sends query message, obtains Transaction Information.Transaction Details can be timely obtained, and according to the particular problem of transaction delay
Corresponding explanation is made to user, while improving transaction overall management timeliness, enhances user experience.On the other hand,
The transmission of query message is also able to confirm that whether Third-party payment terminal timely receives the application of transferring accounts of user, the branch prevented
The possibility modified after request is trapped is paid, the safety of transaction is enhanced.
In some embodiments, when central account is counted after the bill for receiving the transmission of Third-party payment terminal
When, after timing time is more than the preset time, central account can send query message, be inquired to cash receiving terminal.It please join
Fig. 3 is read, Fig. 3 is the flow diagram of the second method of the transmission query message of the present embodiment.
As shown in figure 3, after step S1013 further include:
S1021, the Third-party payment bill is obtained；
Final payee of the cash receiving terminal as transaction, after the transfer information for receiving the transmission of Third-party payment terminal,
It consults whether by corresponding fund income in account, confirmation sends gathering bill to central account there are when income.Gathering bill packet
It includes: payment account, Third-party payment mechanism and payment amount.
S1022, starting timer task generates the second duration from obtaining the Third-party payment bill；
Central account opens timer task after the Third-party payment bill for receiving the transmission of Third-party payment terminal,
In, when Third-party payment bill sent to Third-party payment terminal at the beginning of timer task for received server-side, opens
Begin, the end time of timer task is that center account terminates when receiving gathering bill.Gathering account is not received in central account
Timer task unanimously continues during list, and the time that timing generates is the second duration.
S1023, second duration is compared with preset second time threshold, when second duration is greater than institute
When stating second time threshold, and not receiving the gathering bill, Xiang Suoshu cash receiving terminal sends the inquiry message.
Second duration is compared with preset second time threshold, when the second duration be greater than second time threshold, also
When not receiving the gathering bill of cash receiving terminal transmission, central account sends query message to cash receiving terminal.Wherein, in query message
Including but not limited to: initiating the information such as the user account of payment, the time for initiating payment, payment amount and payment beneficiary.
Cash receiving terminal passes through the corresponding bill processing letter of the content search of query message after receiving above-mentioned query message
Breath will handle information-reply to central account after allowing.Processing information includes but is not limited to: corresponding bill processing stage completes letter
Breath or fault message.Central account sends to user terminal according to the content in processing information and believes after receiving processing information
Breath.For example, processing information is after network failure causes cash receiving terminal that can not receive the fund, central account manages letter according to this
It ceases to user terminal and sends " since failure cause businessman can not be handled in time, please hang on ", it is eager to console user
Mood.
It, can be after Third-party payment terminal bill forward delay interval, in time to Third-party payment by above embodiment
Terminal sends query message, obtains Transaction Information.Transaction Details can be timely obtained, and according to the particular problem of transaction delay
Corresponding explanation is made to user, while improving transaction overall management timeliness, enhances user experience.On the other hand,
The transmission of query message is also able to confirm that whether Third-party payment terminal timely receives the application of transferring accounts of user, the branch prevented
The possibility modified after request is trapped is paid, the safety of transaction is enhanced.
By above embodiment, the delay situation of gathering bill can be determined by query message, can either improve
The efficiency of heart account overall management, while can be improved user experience.On the other hand it also can be improved the safety of money transfer transactions.
In some embodiments, when Third-party payment terminal or cash receiving terminal are returned in response to the query message of central account
It is after explaining information, to make explanations to user by the content transformation in return information after multiple return information.Prevent user due to
Have no the waiting transaction results of message, caused by anxiety at heart.Referring to Fig. 4, Fig. 4 is that the present embodiment generates the stream for explaining information
Journey schematic diagram.
As shown in figure 4, further including following step after step S1013:
S1031, the Third-party payment terminal is obtained in response to the return information of the inquiry message, wherein described time
It include the reason that bill replys time-out in complex information；
Third-party payment terminal passes through the corresponding bill of the content search of query message after receiving above-mentioned query message
Information is handled, information-reply will be handled after allowing to central account.Processing information includes but is not limited to: corresponding bill processing stage,
Complete information or fault message.Central account is after receiving processing information, according to the content in processing information to user terminal
Send information.
S1032, the return information is written to generate in preset reply template and explains information；
After the return information for getting the transmission of Third-party payment terminal, the original for the bill delay write exactly in return information is extracted
Because of information.Then it carries out semantics recognition identification and causes reason.For example, if reason is that business high concurrent leads to not locate in time
Reason does not receive the information such as this transfers accounts application or server delay machine can not work normally.Then extract with each reason have pair
The reply template that should be related to.Replying template is the pre-set text template that can be converted return information to and explain information.
For example, calling corresponding reply template then to generate when Third-party payment terminal is to receive corresponding bill
Return information:
Distinguished user opens XX, you are good！
The trade order provided about you: the transaction bill of 1055656XXX6 does not receive corresponding pair in the present system
Money solicited message, our positive investigation reason please wait reply.
The reason in part for separately causing above situation is possible to the operation error from you, please press the measured step row of assistance suddenly
It looks into:
XXXXXXXX；
2、XXXXXXXXX。
The reply format of different reply template-setups is different, and main distinctive points are, are asked according to different
Topic, the part made explanations to corresponding problem.
S1033, the explanation information is sent to the user terminal.
The information warning of generation is sent to the user terminal by central account, completes to explain the task that bill is delayed to user.
In some embodiments, for central account as total account in group company, collecting account is each subsidiary
When account.Central account is to promote transaction, can provide all kinds of discount coupons and carry out preferential activity.Since user is carried out using discount coupon
Transaction, and the third-party institution needs all expenses to cash receiving terminal payment for merchandise or service, therefore, it may appear that certain gold
Volume shortage, needs central account to be made up.Referring to Fig. 5, Fig. 5 is the process that the present embodiment central account makes up preferential margins
Schematic diagram.
As shown in figure 5, further including following step before step S1100:
S1041, the source-information for obtaining the discount coupon；
For user terminal when the discount coupon for having used central account granting carries out purchase activity, central account receives user's end
Hold the subscriber's account sent.Wherein, include information of the user using discount coupon in subscriber's account, include discount coupon in the information
Issuer.
S1042, identify whether the publisher of the discount coupon is the central account according to the source-information；
After obtaining the source-information of discount coupon, identify the issuer of discount coupon in the source-information, i.e. discount coupon
Source.In some embodiments, the source of discount coupon is embodied in the number of discount coupon, for example, ZXZH10325689 is numbered
In ZXZH be paying centre Pinyin abbreviation, can identify the issuer of discount coupon.
S1043, when the publisher of the discount coupon is the central account, to Third-party payment terminal initiation transfer accounts,
To supply the preferential amount of money of the discount coupon characterization.
When determining that the issuer of discount coupon is center account by identifying, central account according to the preferential amount of money of discount coupon,
Transfer request is initiated to Third-party payment terminal, includes the information such as the O/No. of customer transaction in transfer request, is used for third
Square payment terminal determines transaction bill, and by transferring accounts of initiating of central account and the trade order is associated.Central account hair
The transfer amounts risen are the discount coupon amount of money of user preferential certificate characterization, the i.e. price of actuals and user's actual delivery amount of money
Difference.
By identifying the source of discount coupon, when the issuer for determining discount coupon is center account, central account is to third
Square payment terminal initiation is transferred accounts, and the price of actuals and the difference of user's actual delivery amount of money are supplied.Avoid reconciliation appearance
Error improves the convenience of transaction.
In some embodiments, user is after the service or commodity for having purchased beneficiary offer, for subjective idea
Or there is flaw in service and commodity, when needing to carry out reimbursement.Third-party payment terminal is corresponding to need to deduct beneficiary account
On the correspondence amount of money, complete reimbursement.If user is traded using discount coupon, the provider of the discount coupon is center account
When, central account, which needs to deduct, to be made up to the preferential amount of money of Third-party payment mechanism, and Third-party payment terminal is retracted into user
The amount of money in account is also the amount of money of user's actual delivery.Referring to Fig. 6, Fig. 6 deducts preferential gold when being the present embodiment reimbursement
The flow diagram of volume.
As shown in fig. 6, further including following step after step S1043:
S1051, the refund request that user terminal is sent is obtained, wherein including the discount coupon in the refund request
Favor information；
User occurs after the service for having purchased beneficiary offer perhaps commodity for subjective idea or service and commodity
Flaw, when needing to carry out reimbursement.To Third-party payment, mechanism applies for a refund, while refund request is also sent to central account, moves back
It include the favor information of discount coupon in money request, the including but not limited to issuer of discount coupon, the amount of money of discount coupon and application is moved back
The reason of money etc..
S1052, identify whether the publisher of the discount coupon is the central account according to the favor information；
After obtaining the favor information of discount coupon, identify the issuer of discount coupon in the favor information, i.e. discount coupon
Source.In some embodiments, the source of discount coupon is embodied in the number of discount coupon, for example, in ZXZH5261689 number
ZXZH be paying centre Pinyin abbreviation, can identify the issuer of discount coupon.
S1053, when the publisher of the discount coupon is the central account, Xiang Suoshu Third-party payment terminal send button
Money notice, to deduct the preferential amount of money of the discount coupon characterization.
When the issuer for identifying the discount coupon is center account, central account is withholdd to the transmission of Third-party payment terminal
Notice, notice of withholing be in the O/No. of including but not limited to former trade order, reason of withholing, deducted amount, debit voucher
With the account for the user that withholds.Wherein, debit voucher is transfer accounts record or the number of transferring accounts of the preferential amount of money of center bill payment.The
Tripartite's payment terminal carries out operation of withholing accordingly after receiving above- mentioned information, and deducted amount is the preferential of discount coupon characterization
The amount of money.
In some embodiments, user initiate the reason of withholing be the commodity bought or service there are flaw or
When unqualified, refund request is initiated before the deadline, and central account needs to identify whether the responsible party of reimbursement reason is use
Family itself, if it is not, then needing to provide discount coupon again to user, to stimulate it to be consumed；If artificial user of responsibility itself
Then without compensating discount coupon, a kind of punishment broken one's promise as user.Referring to Fig. 7, Fig. 7 is the stream that the present embodiment discount coupon is reissued
Journey schematic diagram.
As shown in fig. 7, further including following step after step S1043:
S1061, the refund request that user terminal is sent is obtained, wherein include reimbursement reason in the refund request；
When user initiates reimbursement to Third-party payment mechanism by user terminal, need to write exactly reimbursement original in refund request
Cause.The refund request synchronizes be sent to central account simultaneously.In refund request further include: use the discount coupon of central account granting
Information.
Whether the reimbursement responsible party characterized in S1062, the identification reimbursement reason is beneficiary；
By in semantics recognition user's reimbursement reason, there are flaws for commodity that whether the reasons why reimbursement is purchase or service
Or when unqualified, then the responsible party for characterizing the reimbursement reason is the service that provides of beneficiary or commodity existing defects, reimbursement duty
Appoint and is beneficiary.And in reimbursement reason, user writes reimbursement reason exactly and does not write commodity or service exactly there are flaw or do not conform to
When lattice, then show user for oneself subjective factor needs reimbursement, then reimbursement responsible party is user.
S1063, when the reimbursement responsible party is the beneficiary, Xiang Suoshu user terminal send and the discount coupon phase
Same or similar discount coupon.
When the responsible party for determining reimbursement is beneficiary, central account determines whether the user has used discount coupon, if so,
Then judge the discount coupon puts whether method is center account, if then extracting in coupon database same or similar
Discount coupon is reissued to user terminal.In the present embodiment, same or similar to refer to that the preferential amount of money is same or similar.In some implementations
In mode, the discount coupon before user has distributed or has had been subjected to timeliness, and central account selects the amount of money close or identical
Discount coupon is reissued.
Judge whether to reissue discount coupon by the method for recognizing reimbursement responsible party, the consumption again of user can either be promoted,
It is also able to suppress user's Return of Goods without Reasons simultaneously, further improves trading volume.
In order to solve the above technical problems, the embodiment of the present invention also provides a kind of payment funding device.
Referring to Fig. 8, Fig. 8 is the basic structure schematic diagram of the present embodiment payment funding device.
As shown in figure 8, a kind of payment funding device, comprising: obtain module 2100, processing module 2200 and execution module
2300.Wherein, module 2100 is obtained for obtaining Transaction Information to be confirmed, wherein Transaction Information includes: subscriber's account, the
Tripartite's payment bill and gathering bill；Processing module 2200 is used to check subscriber's account, Third-party payment account according to Transaction Information
It is single whether consistent with gathering bill；Execution module 2300 is used for when subscriber's account, Third-party payment bill are consistent with gathering bill
When, Transaction Information is sent to user terminal.
Above embodiment, by be arranged central account, on line trade when central account obtains respectively be used as user with
The gathering bill of the subscriber's account of card, the payment bill of Third-party payment mechanism and beneficiary, by comparing above three account
It is whether consistent between list, it determines whether the transaction succeeds, is sent to the user terminal Transaction Information after confirming transaction success,
Complete the overall flow of online trading.Since central account is during transaction, the transaction of Trading parties transmission can be obtained
Information, and then central account is enable to carry out complete monitoring to entire transaction flow, simultaneously because the advantage that information summarizes can
Transaction Information is set to be more difficult to be modified, to ensure that the safety of transaction.
In some embodiments, payment funding device further include: the first acquisition submodule, the first processing submodule and the
One implementation sub-module.Wherein, the first acquisition submodule is for obtaining subscriber's account；First processing submodule is used for from acquisition user
Start timer task from when bill and generates the first duration；First implementation sub-module is used for the first duration and preset first time
Threshold value is compared, when the first duration is greater than first time threshold, and does not receive Third-party payment bill, to third party's branch
It pays terminal and sends inquiry message.
In some embodiments, payment funding device further include: the second acquisition submodule, second processing submodule and
Two implementation sub-modules.Wherein, the second acquisition submodule is for obtaining Third-party payment bill；Second processing submodule is used for from obtaining
Starting timer task generates the second duration from taking when Third-party payment bill；Second implementation sub-module is for by the second duration and in advance
If second time threshold be compared, when the second duration be greater than second time threshold, and do not receive gathering bill when, to receipts
Money terminal sends inquiry message.
In some embodiments, payment funding device further include: third acquisition submodule, third processing submodule and the
Three implementation sub-modules.Wherein, third acquisition submodule is used to obtain Third-party payment terminal in response to inquiring that the reply of message is believed
Breath, wherein include the reason that bill replys time-out in return information；Third handles submodule and is used to preset return information write-in
Reply template in generate explain information；Third implementation sub-module will be for that will explain that information is sent to the user terminal.
In some embodiments, Transaction Information includes discount coupon, and payment funding method is used for central account message scheduling；
Payment funding device further include: the 4th acquisition submodule, fourth process submodule and the 4th implementation sub-module.Wherein, it the 4th obtains
Take submodule for obtaining the source-information of discount coupon；Fourth process submodule is used to identify the hair of discount coupon according to source-information
Whether row side is center account；4th implementation sub-module is used for when the publisher of discount coupon is central account, to third party's branch
It pays terminal initiation to transfer accounts, to supply the preferential amount of money of discount coupon characterization.
In some embodiments, payment funding device further include: the 5th acquisition submodule, the 5th processing submodule and the
Five implementation sub-modules.Wherein, the 5th acquisition submodule is used to obtain the refund request of user terminal transmission, wherein refund request
In include discount coupon favor information；5th processing submodule be used for according to favor information identify discount coupon publisher whether be
Central account；5th implementation sub-module is used for when the publisher of discount coupon is central account, is sent to Third-party payment terminal
It withholds notice, to deduct the preferential amount of money of discount coupon characterization.
In some embodiments, payment funding device further include: the 6th acquisition submodule, the 6th processing submodule and the
Six implementation sub-modules.Wherein, the 6th acquisition submodule is used to obtain the refund request of user terminal transmission, wherein refund request
In include reimbursement reason；Whether the reimbursement responsible party that the 6th processing submodule characterizes in reimbursement reason for identification is beneficiary；
6th implementation sub-module is used for when reimbursement responsible party is beneficiary, is sent to user terminal same or similar with discount coupon
Discount coupon.
In order to solve the above technical problems, the embodiment of the present invention also provides computer equipment.It is this referring specifically to Fig. 9, Fig. 9
Embodiment computer equipment basic structure block diagram.
As shown in figure 9, the schematic diagram of internal structure of computer equipment.As shown in figure 9, the computer equipment includes passing through to be
Processor, non-volatile memory medium, memory and the network interface of bus of uniting connection.Wherein, the computer equipment is non-easy
The property lost storage medium is stored with operating system, database and computer-readable instruction, can be stored with control information sequence in database
Column, when which is executed by processor, may make processor to realize a kind of payment funding method.The computer is set
Standby processor supports the operation of entire computer equipment for providing calculating and control ability.The storage of the computer equipment
It can be stored with computer-readable instruction in device, when which is executed by processor, processor may make to execute one
Kind payment funding method.The network interface of the computer equipment is used for and terminal connection communication.Those skilled in the art can manage
It solves, structure shown in Fig. 9, only the block diagram of part-structure relevant to application scheme, is not constituted to the application side
The restriction for the computer equipment that case is applied thereon, specific computer equipment may include more more or less than as shown in the figure
Component, perhaps combine certain components or with different component layouts.
Processor obtains module 2100, processing module 2200 and execution module for executing in present embodiment in Fig. 8
2300 concrete function, program code and Various types of data needed for memory is stored with the above-mentioned module of execution.Network interface is used for
To the data transmission between user terminal or server.Memory in present embodiment is stored with facial image critical point detection
Program code needed for executing all submodules in device and data, server are capable of the program code and data of invoking server
Execute the function of all submodules.
Computer equipment is by setting central account, and central account is obtained as user credential respectively when trading on line
The gathering bill of subscriber's account, the payment bill of Third-party payment mechanism and beneficiary, by compare above three bill it
Between it is whether consistent, determine whether the transaction succeeds, Transaction Information be sent to the user terminal after confirming transaction success, is completed
The overall flow of online trading.Since central account is during transaction, the Transaction Information of Trading parties transmission can be obtained,
And then central account is enable to carry out complete monitoring to entire transaction flow, simultaneously because the advantage that information summarizes can make to trade
Information is more difficult to be modified, to ensure that the safety of transaction.
The present invention also provides a kind of storage mediums for being stored with computer-readable instruction, and the computer-readable instruction is by one
When a or multiple processors execute, so that one or more processors execute payment funding method described in any of the above-described embodiment
Step.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, which can be stored in a computer-readable storage and be situated between
In matter, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, storage medium above-mentioned can be
The non-volatile memory mediums such as magnetic disk, CD, read-only memory (Read-Only Memory, ROM) or random storage note
Recall body (Random Access Memory, RAM) etc..
It should be understood that although each step in the flow chart of attached drawing is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, can execute in the other order.Moreover, at least one in the flow chart of attached drawing
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, execution sequence, which is also not necessarily, successively to be carried out, but can be with other
At least part of the sub-step or stage of step or other steps executes in turn or alternately.
Claims (10)
1. a kind of payment funding method, which is characterized in that include the following steps:
Obtain Transaction Information to be confirmed, wherein the Transaction Information includes: subscriber's account, Third-party payment bill and gathering
Bill；
It is whether consistent that the subscriber's account, Third-party payment bill and gathering bill are checked according to the Transaction Information；
When the subscriber's account, Third-party payment bill are consistent with gathering bill, Transaction Information is sent to user terminal.
2. payment funding method according to claim 1, which is characterized in that the step for obtaining Transaction Information to be confirmed
Further include following step before rapid:
Obtain the subscriber's account；
Starting timer task generates the first duration from obtaining the subscriber's account；
First duration is compared with preset first time threshold, when first duration is greater than the first time
Threshold value, and when not receiving the Third-party payment bill, inquiry message is sent to Third-party payment terminal.
3. payment funding method according to claim 2, which is characterized in that when by first duration with preset first
Between threshold value be compared, when first duration is greater than the first time threshold, and do not receive the Third-party payment account
Dan Shi further includes following step after sending the step of inquiring message to Third-party payment terminal:
Obtain the Third-party payment bill；
Starting timer task generates the second duration from obtaining the Third-party payment bill；
Second duration is compared with preset second time threshold, when second duration is greater than second time
Threshold value, and when not receiving the gathering bill, Xiang Suoshu cash receiving terminal sends the inquiry message.
4. payment funding method according to claim 2, which is characterized in that when by first duration with preset first
Between threshold value be compared, when first duration is greater than the first time threshold, and do not receive the Third-party payment account
Dan Shi further includes following step after sending the step of inquiring message to Third-party payment terminal:
The Third-party payment terminal is obtained in response to the return information of the inquiry message, wherein wrap in the return information
Include the reason that bill replys time-out；
The return information is written to generate in preset reply template and explains information；
The explanation information is sent to the user terminal.
5. payment funding method according to claim 1, which is characterized in that the Transaction Information includes discount coupon, described
Payment funding method is used for central account message scheduling；Before described the step of obtaining Transaction Information to be confirmed, under further including
State step:
Obtain the source-information of the discount coupon；
Identify whether the publisher of the discount coupon is the central account according to the source-information；
When the publisher of the discount coupon is the central account, transfer accounts to the initiation of Third-party payment terminal, it is described to supply
The preferential amount of money of discount coupon characterization.
6. payment funding method according to claim 5, which is characterized in that described when the publisher of the discount coupon is institute
When stating central account, transfer accounts to the initiation of Third-party payment terminal, the step of the preferential amount of money to supply discount coupon characterization it
Afterwards, further include following step:
Obtain the refund request that user terminal is sent, wherein include the favor information of the discount coupon in the refund request；
Identify whether the publisher of the discount coupon is the central account according to the favor information；
When the publisher of the discount coupon is the central account, Xiang Suoshu Third-party payment terminal sends notice of withholing, with
Deduct the preferential amount of money of the discount coupon characterization.
7. payment funding method according to claim 5, which is characterized in that described when the publisher of the discount coupon is institute
When stating central account, transfer accounts to the initiation of Third-party payment terminal, the step of the preferential amount of money to supply discount coupon characterization it
Afterwards, further include following step:
Obtain the refund request that user terminal is sent, wherein include reimbursement reason in the refund request；
Identify whether the reimbursement responsible party characterized in the reimbursement reason is beneficiary；
When the reimbursement responsible party is the beneficiary, Xiang Suoshu user terminal sends same or similar with the discount coupon
Discount coupon.
8. a kind of payment funding device characterized by comprising
Module is obtained, for obtaining Transaction Information to be confirmed, wherein the Transaction Information includes: subscriber's account, third party's branch
Pay one's bill and collect money bill；
Processing module, for being according to the Transaction Information verification subscriber's account, Third-party payment bill and gathering bill
It is no consistent；
Execution module, for being sent to user terminal when the subscriber's account, Third-party payment bill are consistent with gathering bill
Transaction Information.
9. a kind of computer equipment, including memory and processor, it is stored with computer-readable instruction in the memory, it is described
When computer-readable instruction is executed by the processor, so that the processor executes such as any one of claims 1 to 7 right
It is required that the step of payment funding method.
10. a kind of storage medium for being stored with computer-readable instruction, the computer-readable instruction is handled by one or more
When device executes, so that one or more processors execute the payment funding side as described in any one of claims 1 to 7 claim
The step of method.
Priority Applications (1)
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| CN201811231461.4A CN109583855A (en) | 2018-10-22 | 2018-10-22 | Payment funding method, apparatus, computer equipment and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811231461.4A CN109583855A (en) | 2018-10-22 | 2018-10-22 | Payment funding method, apparatus, computer equipment and storage medium |
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