CN111222866A - Refund processing method and device - Google Patents

Refund processing method and device Download PDF

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Publication number
CN111222866A
CN111222866A CN201911358426.3A CN201911358426A CN111222866A CN 111222866 A CN111222866 A CN 111222866A CN 201911358426 A CN201911358426 A CN 201911358426A CN 111222866 A CN111222866 A CN 111222866A
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Prior art keywords
user
amount
refund
refundable
recharged
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CN201911358426.3A
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Chinese (zh)
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王昊明
李爱玲
王昊月
周文细
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Beijing Datong Energy Technology Co Ltd
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Beijing Datong Energy Technology Co Ltd
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Priority to CN201911358426.3A priority Critical patent/CN111222866A/en
Publication of CN111222866A publication Critical patent/CN111222866A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the invention provides a refund processing method and device, which can determine the refundable amount and the cash refund amount owned by a user when the user applies for refund, and refund according to the refundable amount through an acquired refund account under the condition that the user is verified to be a legal user. That is, by separately managing the refundable amount and the cash-back amount of the user, since the refundable amount is obtained according to the actual amount charged by the user, when the user applies for refund, refund is performed only according to the refundable amount, and the benefit of the operator can be secured.

Description

Refund processing method and device
Technical Field
The invention relates to the technical field of computers, in particular to a refund processing method and device.
Background
In recent years, various types of APPs (applications) are in a lot, and are usually installed on a mobile terminal of a user. In practical applications, in order to attract more users, operators of APPs usually introduce some recharging preference rules, so that users can obtain more money for consumption in APPs when recharging.
In the related art, when a user refunds through an APP and processes a refund request of the user by using an existing refund processing method, confusion is likely to occur between a cash refund amount given by the user during recharging and an actual recharging amount of the user, so that the cash refund amount given by the user during recharging can be carried out, the cost of an operator is increased, and the benefit of the operator is lost.
Disclosure of Invention
The embodiment of the invention aims to provide a refund processing method and device so as to guarantee the benefits of operators. The specific technical scheme is as follows:
in one aspect of the present invention, a refund processing method is provided, where the method includes:
receiving a refund request sent by a first user;
determining a refundable amount and a cash-back amount owned by the first user, wherein the refundable amount is an amount obtained according to an actual amount recharged by the first user, and the cash-back amount is an amount obtained according to a donation amount given by a preset preferential rule based on the actual amount recharged by the first user;
prompting the first user to input verification information under the condition that the refundable amount is a positive value;
acquiring a refund account under the condition that the first user is verified to be a legal user based on the verification information;
and refunding through the refund account according to the refundable amount.
Optionally, the method further includes:
receiving a recharging request input by the first user, wherein the recharging request comprises the amount of money to be recharged of the first user;
calculating a present amount according to a preset preferential rule based on the amount to be recharged;
and taking the amount to be recharged as refundable amount, taking the present amount as cash return amount, and respectively recording the refundable amount and the cash return amount.
Optionally, the method further includes:
and sending prompt information for prompting that the refund of the first user fails to be carried out to the first user under the condition that the refundable amount is not a positive value.
Optionally, the step of acquiring the refund account includes:
sending prompt information for prompting the first user to input a refund account to the first user;
and receiving a refund account input by the first user.
Optionally, before the step of refunding through the refund account according to the refundable amount, the method further includes:
determining a user to which the refund account belongs as a second user;
judging whether the second user and the first user are the same user or not;
correspondingly, the step of refunding through the refund account according to the refundable amount comprises the following steps:
and when the second user and the first user are the same, refunding is carried out through the refund account according to the refundable amount.
In another aspect of the present invention, there is also provided a refund processing apparatus, including:
the first receiving module is used for receiving a refund request sent by a first user;
the determining module is used for determining the refundable amount and the cash returning amount owned by the first user, wherein the refundable amount is the amount obtained according to the actual amount recharged by the first user, and the cash returning amount is the amount obtained according to the amount presented by the recharged actual amount according to a preset preferential rule when the first user recharges;
the prompting module is used for prompting the first user to input verification information under the condition that the refundable amount is a positive value;
the obtaining module is used for obtaining a refund account under the condition that the first user is verified to be a legal user based on the verification information;
and the refund module is used for refunding through the refund account according to the refundable amount.
Optionally, the apparatus further comprises:
the second receiving module is used for receiving a recharging request input by the first user, wherein the recharging request comprises the amount of money to be recharged of the first user;
the calculation module is used for calculating the present amount according to a preset preferential rule based on the amount to be recharged;
and the recording module is used for taking the amount to be recharged as refundable amount, taking the present amount as cash returning amount, and respectively recording the refundable amount and the cash returning amount.
Optionally, the prompt module is further configured to
And sending prompt information for prompting that the refund of the first user fails to be carried out to the first user under the condition that the refundable amount is not a positive value.
Optionally, the obtaining module is further configured to
Sending prompt information for prompting the first user to input a refund account to the first user;
and receiving a refund account input by the first user.
Optionally, the apparatus further comprises: a judgment module for
Determining a user to which the refund account belongs as a second user;
judging whether the second user and the first user are the same user or not;
and triggering the refund module under the condition that the second user and the first user are the same user.
In another aspect of the present invention, an electronic device is further provided, which includes a processor, a communication interface, a memory, and a communication bus, where the processor, the communication interface, and the memory complete communication with each other through the communication bus;
a memory for storing a computer program;
and a processor for implementing any of the refund processing methods described above when executing the program stored in the memory.
The refund processing method and the device provided by the embodiment of the invention can determine the refundable amount and the cash refund amount owned by the user when the user applies for refund, and refund according to the refundable amount through the acquired refund account under the condition of verifying that the user is a legal user. That is, by separately managing the refundable amount and the cash-back amount of the user, since the refundable amount is obtained according to the actual amount charged by the user, when the user applies for refund, refund is performed only according to the refundable amount, and the benefit of the operator can be secured.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic flow chart illustrating a refund processing method according to an embodiment of the present invention;
FIG. 2 is a schematic structural diagram of a refund processing apparatus according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, a schematic flow chart of a refund processing method according to an embodiment of the present invention is provided, where the method includes:
s100, receiving a refund request sent by a first user.
In implementation, a 'wallet' page may be set in the APP, and in the page, the user may view details of various amounts owned currently, and may also view historical consumption records through the page. And, a refund button may be provided in the "wallet" page, and accordingly, when the user needs refund, a refund request may be transmitted by clicking the refund button.
S110, determining the refundable amount and the cash-back amount owned by the first user.
The refundable amount is the amount obtained according to the actual amount recharged by the first user, and the cash-back amount is the amount obtained according to the amount given by the recharged actual amount according to the preset preferential rule when the first user recharges.
In implementation, when the first user finishes recharging and does not consume, the refundable amount is the actual amount recharged by the first user; and after the first user finishes recharging, the corresponding consumption is carried out, and the refundable amount is the amount remained after the actual amount recharged by the first user is subtracted by the consumption amount of the first user.
In implementation, when the first user consumes through the APP, the first user can deduct money from the refundable amount and the cash back amount according to a preset deduction ratio.
For example, the refundable amount owned by the first user is 100 yuan, the cash refund amount is 20 yuan, the preset deduction ratio is 4:1, the user consumes 50 yuan by charging, and accordingly, 40 yuan is deducted from the refundable amount, and 10 yuan is deducted from the cash refund amount.
In implementation, after receiving a charging request carrying the amount to be charged input by the first user, the present amount may be calculated according to a preset preferential rule based on the amount to be charged, the amount to be charged is used as a refundable amount, the present amount is used as a cash-back amount, and the refundable amount and the cash-back amount are recorded respectively. That is, when the first user charges, the refundable amount charged by the first user and the given cash back amount are separately recorded, so that when the first user refunds, the refundable amount can be directly checked to determine whether refund can be performed.
And S120, prompting the first user to input verification information under the condition that the refundable amount is a positive value.
In implementation, the verification information may be a password, a fingerprint, a face image, or the like preset by the first user.
In the embodiment, when the refundable amount is a non-positive value, a prompt message for prompting that the refund of the first user is failed may be transmitted to the first user, and the refund operation may be terminated.
S130, acquiring the refund account under the condition that the first user is verified to be a legal user based on the verification information.
In implementation, when the authentication information input by the first user is the same as the authentication information preset by the first user, the first user may be considered as a valid user.
In an implementation, the refund account may be a default account, for example, a default paymate account; when the first user needs to refund the refundable amount to other account numbers, the refund account number can be input in the current page, and at the moment, refund is finally carried out on the refund account number input by the first user.
Specifically, prompt information for prompting the first user to input a refund account can be sent to the first user, and the first user can directly skip the refund account if the first user does not need to change the refund account, and in this case, refund can be performed to a default account; and if the first user needs to change the refund account, the refund account can be input, and in this case, after the refund account input by the first user is received, the refund account input by the first user is refunded.
And S140, refunding through the refund account according to the refundable amount.
In implementation, in order to further guarantee the safety of the fund of the user, when the refund is performed, the user to which the refund account belongs can be determined as a second user; and under the condition that the second user and the first user are judged to be the same user, refunding is carried out through the refund account according to the refundable amount. That is, when it is determined that the user to which the refund account belongs and the user who is currently making a refund are the same person, the refund is made through the refund account according to the refundable amount.
By applying the scheme provided by the embodiment of the invention, when the user applies for refund, the refund amount and the refund amount owned by the user can be determined, and the refund can be carried out according to the refund account acquired according to the refund amount under the condition that the user is verified to be a legal user. That is, by separately managing the refundable amount and the cash-back amount of the user, since the refundable amount is obtained according to the actual amount charged by the user, when the user applies for refund, refund is performed only according to the refundable amount, and the benefit of the operator can be guaranteed.
Referring to fig. 2, a refund processing apparatus according to an embodiment of the present invention includes:
a first receiving module 200, configured to receive a refund request sent by a first user;
a determining module 210, configured to determine a refundable amount and a cash-back amount owned by the first user, where the refundable amount is an amount obtained according to an actual amount recharged by the first user, and the cash-back amount is an amount obtained according to an amount presented by a preset discount rule based on the actual amount recharged by the first user when the first user is recharged;
a prompting module 220, configured to prompt the first user to input verification information when the refundable amount is a positive value;
an obtaining module 230, configured to obtain a refund account if the first user is verified to be a valid user based on the verification information;
and the refund module 240 is configured to refund through the refund account according to the refundable amount.
In one implementation, the apparatus further includes:
the second receiving module is used for receiving a recharging request input by the first user, wherein the recharging request comprises the amount of money to be recharged of the first user;
the calculation module is used for calculating the present amount according to a preset preferential rule based on the amount to be recharged;
and the recording module is used for taking the amount to be recharged as refundable amount, taking the present amount as cash returning amount, and respectively recording the refundable amount and the cash returning amount.
In one implementation, the prompt module 220 is further configured to
And sending prompt information for prompting that the refund of the first user fails to be carried out to the first user under the condition that the refundable amount is not a positive value.
In one implementation, the obtaining module 230 is further configured to
Sending prompt information for prompting the first user to input a refund account to the first user;
and receiving a refund account input by the first user.
In one implementation, the apparatus further includes: a judgment module for
Determining a user to which the refund account belongs as a second user;
judging whether the second user and the first user are the same user or not;
if the second user is the same user as the first user, the refund module 240 is triggered.
By applying the scheme provided by the embodiment of the invention, when the user applies for refund, the refund amount and the refund amount owned by the user can be determined, and the refund can be carried out according to the refund account acquired according to the refund amount under the condition that the user is verified to be a legal user. That is, by separately managing the refundable amount and the cash-back amount of the user, since the refundable amount is obtained according to the actual amount charged by the user, when the user applies for refund, refund is performed only according to the refundable amount, and the benefit of the operator can be guaranteed.
An embodiment of the present invention further provides an electronic device, as shown in fig. 3, including a processor 001, a communication interface 002, a memory 003 and a communication bus 004, where the processor 001, the communication interface 002 and the memory 003 complete mutual communication through the communication bus 004,
a memory 003 for storing a computer program;
the processor 001, when executing the program stored in the memory 003, implements any of the refund processing methods described above, including:
receiving a refund request sent by a first user;
determining a refundable amount and a cash-back amount owned by the first user, wherein the refundable amount is an amount obtained according to an actual amount recharged by the first user, and the cash-back amount is an amount obtained according to a donation amount given by a preset preferential rule based on the actual amount recharged by the first user;
prompting the first user to input verification information under the condition that the refundable amount is a positive value;
acquiring a refund account under the condition that the first user is verified to be a legal user based on the verification information;
and refunding through the refund account according to the refundable amount.
By applying the scheme provided by the embodiment of the invention, when the user applies for refund, the refund amount and the refund amount owned by the user can be determined, and the refund can be carried out according to the refund account acquired according to the refund amount under the condition that the user is verified to be a legal user. That is, by separately managing the refundable amount and the cash-back amount of the user, since the refundable amount is obtained according to the actual amount charged by the user, when the user applies for refund, refund is performed only according to the refundable amount, and the benefit of the operator can be guaranteed.
The communication bus mentioned in the electronic device may be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The communication bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown, but this does not mean that there is only one bus or one type of bus.
The communication interface is used for communication between the electronic equipment and other equipment.
The Memory may include a Random Access Memory (RAM) or a Non-Volatile Memory (NVM), such as at least one disk Memory. Optionally, the memory may also be at least one memory device located remotely from the processor.
The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component.
In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, cause the processes or functions described in accordance with the embodiments of the invention to occur, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website site, computer, server, or data center to another website site, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that incorporates one or more of the available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., Solid State Disk (SSD)), among others.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
All the embodiments in the present specification are described in a related manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. Especially, as for the device and the electronic equipment, since they are basically similar to the method embodiments, the description is simple, and the relevant points can be referred to the partial description of the method embodiments.
The above description is only for the preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention shall fall within the protection scope of the present invention.

Claims (10)

1. A refund processing method, the method comprising:
receiving a refund request sent by a first user;
determining a refundable amount and a cash-back amount owned by the first user, wherein the refundable amount is an amount obtained according to an actual amount recharged by the first user, and the cash-back amount is an amount obtained according to a donation amount given by a preset preferential rule based on the actual amount recharged by the first user;
prompting the first user to input verification information under the condition that the refundable amount is a positive value;
acquiring a refund account under the condition that the first user is verified to be a legal user based on the verification information;
and refunding through the refund account according to the refundable amount.
2. The method of claim 1, wherein the method further comprises:
receiving a recharging request input by the first user, wherein the recharging request comprises the amount of money to be recharged of the first user;
calculating a present amount according to a preset preferential rule based on the amount to be recharged;
and taking the amount to be recharged as refundable amount, taking the present amount as cash return amount, and respectively recording the refundable amount and the cash return amount.
3. The method of claim 1, wherein the method further comprises:
and sending prompt information for prompting that the refund of the first user fails to be carried out to the first user under the condition that the refundable amount is not a positive value.
4. The method of claim 1, wherein the step of obtaining a refund account comprises:
sending prompt information for prompting the first user to input a refund account to the first user;
and receiving a refund account input by the first user.
5. The method of claim 1, wherein prior to the step of chargeback by the chargeback account by the refundable amount, further comprising:
determining a user to which the refund account belongs as a second user;
judging whether the second user and the first user are the same user or not;
correspondingly, the step of refunding through the refund account according to the refundable amount comprises the following steps:
and when the second user and the first user are the same, refunding is carried out through the refund account according to the refundable amount.
6. A refund processing apparatus, the apparatus comprising:
the first receiving module is used for receiving a refund request sent by a first user;
the determining module is used for determining the refundable amount and the cash returning amount owned by the first user, wherein the refundable amount is the amount obtained according to the actual amount recharged by the first user, and the cash returning amount is the amount obtained according to the amount presented by the recharged actual amount according to a preset preferential rule when the first user recharges;
the prompting module is used for prompting the first user to input verification information under the condition that the refundable amount is a positive value;
the obtaining module is used for obtaining a refund account under the condition that the first user is verified to be a legal user based on the verification information;
and the refund module is used for refunding through the refund account according to the refundable amount.
7. The apparatus of claim 6, wherein the apparatus further comprises:
the second receiving module is used for receiving a recharging request input by the first user, wherein the recharging request comprises the amount of money to be recharged of the first user;
the calculation module is used for calculating the present amount according to a preset preferential rule based on the amount to be recharged;
and the recording module is used for taking the amount to be recharged as refundable amount, taking the present amount as cash returning amount, and respectively recording the refundable amount and the cash returning amount.
8. The apparatus of claim 1, wherein the prompting module is further configured to prompt the user for a prompt to prompt the user to perform a prompt
And sending prompt information for prompting that the refund of the first user fails to be carried out to the first user under the condition that the refundable amount is not a positive value.
9. The apparatus of claim 1, wherein the apparatus further comprises: a judgment module for
Determining a user to which the refund account belongs as a second user;
judging whether the second user and the first user are the same user or not;
and triggering the refund module under the condition that the second user and the first user are the same user.
10. An electronic device is characterized by comprising a processor, a communication interface, a memory and a communication bus, wherein the processor and the communication interface are used for realizing mutual communication by the memory through the communication bus;
a memory for storing a computer program;
a processor for implementing the method steps of any one of claims 1 to 5 when executing a program stored in the memory.
CN201911358426.3A 2019-12-25 2019-12-25 Refund processing method and device Pending CN111222866A (en)

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Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102779304A (en) * 2011-05-10 2012-11-14 中国联合网络通信集团有限公司 Processing method for gifted amount in electronic wallet and server
CN106651350A (en) * 2016-11-07 2017-05-10 成都科曦科技有限公司 System and method supporting combined payment manner and settlement automatic refund
CN107491976A (en) * 2016-06-13 2017-12-19 银联数据服务有限公司 A kind of Withdrawing method and device
CN108734457A (en) * 2018-04-04 2018-11-02 首汽租赁有限责任公司 A kind of Withdrawing method unified under cash register system
CN109003069A (en) * 2018-07-27 2018-12-14 阿里巴巴集团控股有限公司 A kind of resource backing method and device
CN109636380A (en) * 2018-12-05 2019-04-16 泰康保险集团股份有限公司 Expense treating method and apparatus

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102779304A (en) * 2011-05-10 2012-11-14 中国联合网络通信集团有限公司 Processing method for gifted amount in electronic wallet and server
CN107491976A (en) * 2016-06-13 2017-12-19 银联数据服务有限公司 A kind of Withdrawing method and device
CN106651350A (en) * 2016-11-07 2017-05-10 成都科曦科技有限公司 System and method supporting combined payment manner and settlement automatic refund
CN108734457A (en) * 2018-04-04 2018-11-02 首汽租赁有限责任公司 A kind of Withdrawing method unified under cash register system
CN109003069A (en) * 2018-07-27 2018-12-14 阿里巴巴集团控股有限公司 A kind of resource backing method and device
CN109636380A (en) * 2018-12-05 2019-04-16 泰康保险集团股份有限公司 Expense treating method and apparatus

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