CN112184248A - Card organization payment refusal bill data processing method and device - Google Patents
Card organization payment refusal bill data processing method and device Download PDFInfo
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Abstract
The embodiment of the application provides a card organization payment refusal and invoicing data processing method and device, which can be used in the field of Internet finance, and the method comprises the following steps: receiving a payment refusing and order dispatching request sent by a card sender user; determining a corresponding service processing strategy according to the request of rejecting the payment receipt and a preset service processing relation; executing corresponding card organization butt-joint operation according to the business processing strategy, executing corresponding business processing operation after the card organization butt-joint operation is completed, and returning the result of the business processing operation to the card issuing user; the method and the device can accurately and reliably realize the system butt joint of different card organizations so as to smoothly complete different types of business processing of different card organizations.
Description
Technical Field
The application relates to the field of data processing, can also be used in the field of internet finance, and particularly relates to a card organization payment refusal bill data processing method and device.
Background
The bank card industry comprises a plurality of sub-industries such as card issuing, clearing, receipt and other peripheral services (such as card making and IT services), and integrates a plurality of businesses such as consumption, settlement, credit and the like, wherein the card organization is mainly used for connecting a card issuing organization and a receipt organization to complete a series of complex fund clearing processes from the card issuing organization to the receipt organization. In the process of fund clearing, usually due to the problems of transaction abnormity, order cancellation, wrong amount and the like, a card issuer needs to issue a bill dispatching request to a card organization, dispatch a certain transaction bill, then make a payment refusing service, and solve related complaint disputes, which is the main function of a bill dispatching system of the card organization.
With the issuance of new bank card clearing business licenses and the popularization of internet connection and internet payment, new joint venture card organizations are about to enter the bank card clearing market of China, and each card organization has different business types and data interaction parameters, so that the problem that how a bill adjustment system is butted with different card organizations to smoothly complete business processing operation needs to be solved urgently is solved by the card organization.
Disclosure of Invention
Aiming at the problems in the prior art, the application provides a card organization payment refusal and order data processing method and device, which can accurately and reliably realize system butt joint with different card organizations so as to smoothly complete different types of business processing of different card organizations.
In order to solve at least one of the above problems, the present application provides the following technical solutions:
in a first aspect, the present application provides a method for processing data of a card organization payment refusal order, including:
receiving a payment refusing and order dispatching request sent by a card sender user;
determining a corresponding service processing strategy according to the request of rejecting the payment receipt and a preset service processing relation;
executing corresponding card organization butt-joint operation according to the business processing strategy, executing corresponding business processing operation after the card organization butt-joint operation is finished, and returning the result of the business processing operation to the card issuing user
Further, before determining a corresponding service processing policy according to the request for rejecting the order and a preset service processing relationship, the method further includes:
judging whether a preset service processing relation corresponding to the request of rejecting the bill of transfer exists or not;
if not, determining at least one service processing relation according to the original transaction information in the order rejection request.
Further, the determining at least one service processing relationship according to the original transaction information in the request for rejecting the invoice comprises:
and respectively arranging and combining different card organization types in the original transaction information in the request of the rejection order with different service types to obtain at least one service processing relation.
Further, the executing the corresponding card organization docking operation according to the business processing policy includes:
determining a corresponding card organization interface address and a service docking parameter according to the card organization type and the service type in the service processing strategy;
and establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameters.
In a second aspect, the present application provides a card organization payment refusal order data processing apparatus, comprising:
the system comprises a receipt refusing and dispatching request receiving module, a receipt refusing and dispatching request receiving module and a dispatching processing module, wherein the receipt refusing and dispatching request receiving module is used for receiving a receipt refusing request sent by a card sender user;
the service processing strategy determining module is used for determining a corresponding service processing strategy according to the request of the payment refusing order and a preset service processing relation;
and the card organization docking module is used for executing corresponding card organization docking operation according to the business processing strategy, executing corresponding business processing operation after the card organization docking operation is finished, and returning the result of the business processing operation to the card issuer user.
Further, still include:
a service processing relation matching unit, configured to determine whether a preset service processing relation corresponding to the request for rejecting payment is present;
and the service processing relation adding unit is used for determining at least one service processing relation according to the original transaction information in the purchase rejection order-transferring request if the preset service processing relation corresponding to the purchase rejection order-transferring request does not exist.
Further, the service processing relationship adding unit includes:
and the business processing relation generating subunit is used for respectively arranging and combining different card organization types in the original transaction information in the request of the denial of payment statement with different business types to obtain at least one business processing relation.
Further, the card tissue docking module includes:
the card organization characteristic information determining unit is used for determining a corresponding card organization interface address and a service docking parameter according to the card organization type and the service type in the service processing strategy;
and the card organization docking unit is used for establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameter.
In a third aspect, the present application provides an electronic device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the card organization repudiation invoicing data processing method when executing the program.
In a fourth aspect, the present application provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the card organization repudiation invoicing data processing method.
According to the technical scheme, the method and the device for processing the data of the card organization refusal order form determine the service processing strategy corresponding to the refusal order form request by receiving the refusal order form request sent by the card sender user according to the refusal order form request and the preset service processing relation matched with the refusal order form request, namely the card organization which can be correctly butted with the refusal order form request and the butting parameters required by executing corresponding service processing are executed, so that the corresponding card organization butting operation is executed according to the service processing strategy, the corresponding service processing operation is executed after the card organization butting operation is completed, and the result of the service processing operation is returned to the card sender user, thereby flexibly, accurately and automatically realizing the butting with systems of different card organizations and smoothly completing the different types of service processing of different card organizations.
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In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a schematic flow chart illustrating a method for processing data of a card organization repudiation receipt according to an embodiment of the present application;
FIG. 2 is a second flowchart illustrating a method for processing data of a card organization repudiation invoice according to an embodiment of the present application;
FIG. 3 is a third schematic flowchart of a data processing method for a card organization payment refusal bill in the embodiment of the present application;
FIG. 4 is a block diagram of one embodiment of a card organization repudiation bill data processing apparatus;
FIG. 5 is a second block diagram of a card organization repudiation bill data processing device according to an embodiment of the present application;
FIG. 6 is a third block diagram of a card organization repudiation bill data processing device in the embodiment of the present application;
FIG. 7 is a fourth block diagram of a card organization repudiation bill data processing device according to an embodiment of the present application;
FIG. 8 is a block diagram of a card organization repudiation bill data processing device in accordance with an embodiment of the present application;
FIG. 9 is a second block diagram of a card organization repudiation bill data processing device according to an embodiment of the present application;
fig. 10 is a schematic structural diagram of an electronic device in an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all 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 application.
Considering that a new joint venture card organization is about to enter the bank card clearing market of China along with the issuance of a new bank card clearing business license and the popularization of internet connection and internet payment, and the problem that needs to be solved urgently is solved by how a card organization refusing order system is butted with different card organizations to smoothly complete business processing operation, the application provides a card organization refusing order data processing method and a device, by receiving a refusing order request sent by a card sender user, determining a business processing strategy corresponding to the refusing order request according to the refusing order request and a preset business processing relation matched with the refusing order request, namely, the card organization which can be correctly butted with the refusing order request and the butting parameters necessary for executing corresponding business processing, so as to execute the corresponding card organization butting operation according to the business processing strategy, and executing corresponding business processing operation after the card organization docking operation is completed, and returning the result of the business processing operation to the card issuing user, thereby flexibly, accurately and automatically realizing the system docking with different card organizations and smoothly completing the business processing of different types of different card organizations.
In order to accurately and reliably implement system docking of different card organizations to smoothly complete different types of service processing of different card organizations, the present application provides an embodiment of a card organization denial of payment statement data processing method, which specifically includes the following contents, with reference to fig. 1:
step S101: and receiving a request of rejecting the payment order sent by the card issuing user.
It is understood that when the card issuer user has a question about the original transaction record, a repudiation order system may be sent a repudiation order request to start a repudiation order flow.
Optionally, the request for the receipt refusal may include original transaction information, the original transaction information may be actively filled by a user, and the specific filling template may be specifically designed according to different parameter requirements required for the receipt refusal system to interface with different card organizations.
Optionally, the original transaction information includes but is not limited to: the system comprises a background database, a merchant serial number, a primary transaction amount, a card number, a primary transaction currency, a primary transaction code, a merchant serial number, a merchant type, a teller creating device, a creating time, a business type and a card organization type, wherein the business type and the card organization type are necessary data items in a filling template, and the filled data can be stored in the background database for subsequent processing.
Step S102: and determining a corresponding service processing strategy according to the request of rejecting the payment and dispatching order and a preset service processing relation.
Optionally, the preset service processing relationship refers to a one-to-one correspondence relationship between card organization types and service types, and the number of the service processing relationships is not specifically limited herein, and may be one or more.
Specifically, after receiving the request for a receipt for refusing payment containing the original transaction information and storing the request in the database in step S101, the application may further group and extract the original transaction information, specifically, extract a card organization type and a service type without duplication by using the service type and the card organization type as grouping conditions, and set a service processing relationship for a combination of each card organization type and each service type, for example, if there is a card organization type A, B, a service type C, D, a service type C, D under the known card organization a, and a service type C under the card organization B, there are three service processing relationships of < a, C >, < a, D >, < B, and C all together.
In other embodiments of the present application, the card issuer user may also directly send the set service processing relationship to the system of the present application, so as to directly store the service processing relationship by the system of the present application.
Optionally, for each service processing relationship, the present application may also determine a service processing policy corresponding to the service processing relationship in advance, for example, store a service processing relationship and a service processing policy in a key value pair form.
Optionally, the service processing policy corresponds to different service types of different card organization types, and may specifically include an interface address of the card organization type and a service docking parameter necessary for executing the service type.
In other embodiments of the present application, the service docking parameters may also be obtained by performing data processing on the original transaction information in the request for a receipt refusal through the system of the present application, for example, calculating the date of birth and the gender according to the identification number, performing conversion of the money exchange rate, performing calculation of the money amount, and the like.
Step S103: and executing corresponding card organization butt joint operation according to the service processing strategy, executing corresponding service processing operation after the card organization butt joint operation is finished, and returning the result of the service processing operation to the card issuing user.
Optionally, through the service processing policy obtained in step S102, the application may implement successful docking of the request for the denial of service ticket with the corresponding card organization, further implement data interaction and service processing operation between the two, return the result to the card issuer user after the service processing operation is completed, and end the denial of service ticket forwarding process.
As can be seen from the above description, the method for processing data of a card organization tendering receipt provided in the embodiment of the present application can determine, according to the tendering receipt refusing request sent by a card issuer user, a service processing policy corresponding to the tendering receipt refusing request, that is, a card organization that can be correctly docked with the tendering receipt refusing request and docking parameters necessary for executing corresponding service processing according to the tendering receipt refusing request and the preset service processing relationship matched with the tendering receipt refusing request, execute a corresponding card organization docking operation according to the service processing policy, execute the corresponding service processing operation after the card organization docking operation is completed, and return a result of the service processing operation to the card issuer user, thereby flexibly, accurately and automatically implementing system docking with different card organizations and smoothly completing different types of service processing of different card organizations.
In order to improve the efficiency of determining the service processing policy, in an embodiment of the method for processing data of a card organization repudiation policy of the present application, referring to fig. 2, the following may be specifically included before the step S102:
step S201: and judging whether a preset service processing relation corresponding to the order rejection request exists or not.
Step S202: if not, determining at least one service processing relation according to the original transaction information in the order rejection request.
Optionally, after receiving the request for rejecting payment and dispatching a ticket sent by the card sender user, the method preferentially determines whether a service processing relationship capable of being matched with the request is preset locally, and if not, a service processing relationship needs to be newly added according to the original transaction information in the request for rejecting payment and dispatching a ticket, and the service processing relationship is stored locally and used as the preset service processing relationship used in processing the request next time.
In order to obtain an accurate service processing relationship, so as to determine the card organization corresponding to the denial of payment order request and correctly interface with the card organization according to the service processing relationship, in an embodiment of the data processing method for a card organization denial of payment order of the present application, the step S202 may further specifically include the following contents:
and respectively arranging and combining different card organization types in the original transaction information in the request of the rejection order with different service types to obtain at least one service processing relation.
Optionally, after receiving the request for a receipt for refusing payment containing the original transaction information and storing the request in the database in step S101, the application may further group and extract the original transaction information, specifically, extract a card organization type and a service type without duplication by using the service type and the card organization type as grouping conditions, and set a service processing relationship for a combination of each card organization type and each service type, for example, if there is a card organization type A, B, a service type C, D, a service type C, D under the known card organization a, and a service type C under the card organization B, there are three service processing relationships of < a, C >, < a, D >, < B, and C all together.
In order to be able to accurately interface with the corresponding card organization, in an embodiment of the card organization payment refusal tone data processing method of the present application, referring to fig. 3, the step S103 may further include the following steps:
step S301: and determining a corresponding card organization interface address and a service docking parameter according to the card organization type and the service type in the service processing strategy.
Step S302: and establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameters.
Optionally, the service processing policy corresponds to different service types of different card organization types, and may specifically include an interface address of the card organization type and a service docking parameter necessary for executing the service type, and the application may implement successful docking of the disbursement order-dispatching request and the corresponding card organization, and further implement data interaction and service processing operation between the two, and return a result to the card-issuing user after the service processing operation is completed, thereby ending the disbursement order-dispatching process.
In order to accurately and reliably implement system docking of different card organizations to smoothly complete different types of service processing of different card organizations, the present application provides an embodiment of a card organization denial of charge data processing apparatus for implementing all or part of the contents of the card organization denial of charge data processing method, referring to fig. 4 and 8, where the card organization denial of charge data processing apparatus specifically includes the following contents:
a receipt module 10 for receiving a receipt refusing request sent by a card-issuing user.
And the service processing policy determining module 20 is configured to determine a corresponding service processing policy according to the request for rejecting the invoice and a preset service processing relationship.
The card organization docking module 30 is configured to execute a corresponding card organization docking operation according to the service processing policy, execute a corresponding service processing operation after the card organization docking operation is completed, and return a result of the service processing operation to the card issuer user.
As can be seen from the above description, the card organization payment refusal dispatching data processing apparatus provided in this embodiment of the application can determine, according to the payment refusal dispatching request sent by the card issuer user, the service processing policy corresponding to the payment refusal dispatching request, that is, the card organization that can be correctly docked with the payment refusal dispatching request and the preset service processing relationship matched with the payment refusal dispatching request, and the docking parameters necessary for executing the corresponding service processing, so as to execute the corresponding card organization docking operation according to the service processing policy, execute the corresponding service processing operation after the card organization docking operation is completed, and return the result of the service processing operation to the card issuer user, thereby flexibly, accurately and automatically implementing the docking with systems of different card organizations and smoothly completing different types of service processing of different card organizations.
In order to improve the efficiency of determining the service processing policy, in an embodiment of the card organization payment refusal form data processing apparatus of the present application, referring to fig. 5, the following contents are further specifically included:
and the service processing relation matching unit 41 is configured to determine whether a preset service processing relation corresponding to the request for rejecting the invoice exists.
And the service processing relationship adding unit 42 is configured to determine at least one service processing relationship according to the original transaction information in the purchase rejection order request if it is determined that the preset service processing relationship corresponding to the purchase rejection order request does not exist.
In order to obtain an accurate service processing relationship, so as to determine the card organization corresponding to the request for rejecting payment receipt and correctly interface with the card organization according to the service processing relationship, in an embodiment of the data processing apparatus for card organization rejecting payment receipt of the present application, referring to fig. 6, the service processing relationship adding unit 42 includes:
a service processing relationship generating subunit 421, configured to respectively arrange and combine different card organization types in the original transaction information in the request for a declined payment statement with different service types, so as to obtain at least one service processing relationship.
In order to be able to accurately interface with the corresponding card organization, in an embodiment of the card organization payment refusal bill data processing apparatus of the present application, referring to fig. 7, the card organization interfacing module 30 includes:
and the card organization characteristic information determining unit 31 is configured to determine a corresponding card organization interface address and a service docking parameter according to the card organization type and the service type in the service processing policy.
And the card organization docking unit 32 is configured to establish a communication channel with a corresponding card organization according to the card organization interface address and the service docking parameter.
To further explain the present solution, the present application further provides a specific application example of implementing the method for processing the card organization repudiation bill data by using the above-mentioned card organization repudiation bill data processing apparatus, and refer to fig. 9, which specifically includes the following contents:
a certain financial company plans to access a repudiation and order system to a connected card organization and an internet card organization, and plans to subsequently expand and add to different card organizations so as to cover different requirements of multiple card organizations, flexible configuration and processing are realized by using the invention, and specific implementation steps are described as follows:
1) analyzing a service scene:
the transaction data in doubt during the transaction process is currently divided into two types, one type is that the recorded sum of the card issuing party (I) is more than the settlement sum of the card organization, and the transaction data is called as 'I'm lines are in doubt more; the other is that the amount recorded by the card issuing party is less than the settlement amount of the card organization, which is called ' I's bank is in doubt '. Taking the first example, since the card issuer (my) in the doubt scene receives the real amount which does not reach the recorded amount, it needs to initiate a payment refusing reconciliation flow to request again and receive the missing amount. According to the processing request of the connected card organization and the network connection card organization to the type of the doubt record, the connected card organization supports: deducting money from commercial tenant, requesting money from connected organization, and organizing support by internet connection card: deducting money from the merchant and requesting money from the internet.
2) An information processor: the part is mainly divided into two parts, including a transaction information collecting module and a transaction information processing module; the transaction information collection module is mainly responsible for collecting original transaction information required in a payment refusal dispatching process initiated by an issuer; the transaction information processing module is mainly responsible for extracting card organization type information and service scene information which repeatedly appear in original transaction information and generating various service scenes.
Specifically, according to the convention with the card organization specification, different service scenarios have the following different templates:
a. and deducting money from the merchant by system tracking number, transaction initiation date, card number, merchant number, original transaction date, original transaction currency, original record amount, acceptance area, acceptance teller, card organization type (filling-communicating card organization) and business type (filling-deducting money from the merchant).
b. And the communication request to the communication organization comprises a system tracking number, a transaction date, a card number, an internal account number of the communication organization, an original transaction date, an original transaction amount, a receiving area, a receiving teller, a card organization type (filling-communication card organization) and a business type (filling-communication organization request).
c. And (5) deducting money from the merchant through the internet connection: the system comprises a network connection serial number, request sending time, a card number, a product number, a region number, a network point number, a teller number, a merchant number, an original record amount, a card organization type (filling-network connection card organization), and a business type (filling-deducting money to the merchant).
d. Requesting money from the Internet to the Internet organization: the method comprises the steps of networking serial number, request sending time, card number, product number, area number, website number, teller number, user number in a specified networking, original record amount, card organization type (filling-networking card organization), and business type (filling-requesting payment to the networking organization).
The information processor automatically generates a template according to the convention, after a customer fills in doubtful original data according to the template, the transaction information collection module collects the doubtful original data, and the transaction information processing module obtains card organization types: network connection card organization and communication card organization; obtaining a service class: deducting money from commercial tenant, requesting money from network connection organization, and requesting money from connected organization.
3) A strategy selector: the part is mainly divided into two parts, including an information gathering module and a card organization selection module; the information aggregation module is mainly responsible for aggregating different card organization types and service types extracted from the information processor together in a structured data mode to realize that the different card organization types correspond to specific service processing types; the card organization selection module is used for calling the aggregation module to realize automatic calling of the corresponding strategy processing module according to the card organization type information in the original transaction information.
Specifically, the information aggregation module generates four business processing relations of < connected-deduction to the merchant >, < internet connection-deduction to the internet connection organization > for the results of the information processors, corresponding policy processors are available for each business processing relation, A, B, C, D respectively, the card organization selection module corresponds the business processing relations to the policy processors, and the corresponding relations are { < connected-deduction to the merchant >, a }, { < connected-deduction to the internet connection-deduction >, B }, { < internet connection-deduction to the merchant }, C }, { < internet connection-organizing solicitation > to the internet connection, and D }.
4) The system comprises a strategy processor, a data processing module and a data processing module, wherein the strategy processor is directly butted with different card organizations, theoretically, the number of strategy processing modules is the number of service scenes under the different card organizations, and each strategy processing module is mainly divided into two parts and comprises a butting processing module and a butting parameter configuration module; the butt joint processing module is mainly used for processing and processing original transaction information according to specific service scenes; the docking parameter configuration module is mainly responsible for configuring relevant parameters required by docking, generally comprises a card organization interface address and original transaction information required by the card organization, and realizes docking different card organizations under a specific service scene.
Specifically, there are A, B, C, D four policy processors for the above scenario, where the policy processor a processes the original data according to the requirement of the template a through the docking processing module, and configures the parameters and interface addresses for accessing the organization of the connectivity card through the docking parameter configuration module; in the same way, the other three processors accomplish the same operation.
5) Through the above operations, the system already has automatic processing flows of four types of business processing relations of < communication-deduction to merchants >, < communication-deduction to communication organization >, < internet connection-deduction to merchants >, < internet connection-deduction to internet organization > and the like, and the newly received payment refusal adjustment flow automatically generates business processing relations according to the requests and then automatically calls corresponding policy processors; similarly, if the client does not want to upload the original transaction information through the template, but only wants to add the business processing relationship, the policy selector will also complete the operation.
As can be seen from the above description, the present application can also achieve at least the following technical effects:
1. based on the process designed by the method, the business is divided into the finest granularity, so that different business scenes of different card organizations can be conveniently expanded.
2. The strategy algorithm generated based on the method can allow multiple service scenes to be executed simultaneously without mutual interference.
In order to accurately and reliably implement system docking of different card organizations to smoothly complete different types of service processing of different card organizations, the present application provides an embodiment of an electronic device for implementing all or part of contents in the card organization form denial data processing method, where the electronic device specifically includes the following contents:
a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between the card organization payment refusal bill data processing device and relevant equipment such as a core service system, a user terminal, a relevant database and the like; the logic controller may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the logic controller may refer to the embodiment of the card organization repudiation policy data processing method and the embodiment of the card organization repudiation policy data processing apparatus in the embodiment for implementation, and the contents thereof are incorporated herein, and repeated details are not repeated.
It is understood that the user terminal may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a Personal Digital Assistant (PDA), an in-vehicle device, a smart wearable device, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..
In practical applications, part of the card organization pay-off rejection bill data processing method may be executed on the electronic device side as described above, or all operations may be completed in the client device. The selection may be specifically performed according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application. The client device may further include a processor if all operations are performed in the client device.
The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.
Fig. 10 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 10, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 10 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one embodiment, the card organization repudiation invoicing data processing method function can be integrated into the central processor 9100. The central processor 9100 may be configured to control as follows:
step S101: and receiving a request of rejecting the payment order sent by the card issuing user.
Step S102: and determining a corresponding service processing strategy according to the request of rejecting the payment and dispatching order and a preset service processing relation.
Step S103: and executing corresponding card organization butt joint operation according to the service processing strategy, executing corresponding service processing operation after the card organization butt joint operation is finished, and returning the result of the service processing operation to the card issuing user.
As can be seen from the above description, in the electronic device provided in the embodiment of the present application, by receiving a request for a missed payment statement sent by a card issuer user, according to the request for the missed payment statement and a preset service processing relationship matched with the request for the missed payment statement, a service processing policy corresponding to the request for the missed payment statement is determined, that is, a card organization capable of being correctly docked with the request for the missed payment statement and docking parameters necessary for executing corresponding service processing are determined, so that a corresponding card organization docking operation is executed according to the service processing policy, and after the card organization docking operation is completed, the corresponding service processing operation is executed, and a result of the service processing operation is returned to the card issuer user, so that system docking with different card organizations is flexibly, accurately and automatically achieved, and different types of service processing of different card organizations are smoothly completed.
In another embodiment, the card organization repudiation receipt data processing device may be configured separately from the central processor 9100, for example, the card organization repudiation receipt data processing device may be configured as a chip connected to the central processor 9100, and the function of the card organization repudiation receipt data processing method is realized by the control of the central processor.
As shown in fig. 10, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 10; in addition, the electronic device 9600 may further include components not shown in fig. 10, which can be referred to in the prior art.
As shown in fig. 10, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.
The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.
The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.
The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.
The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.
An embodiment of the present application further provides a computer-readable storage medium capable of implementing all steps in the card organization repudiation invoice data processing method of which the execution subject is the server or the client in the foregoing embodiments, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the card organization repudiation invoice data processing method of which the execution subject is the server or the client, for example, when the processor executes the computer program, the processor implements the following steps:
step S101: and receiving a request of rejecting the payment order sent by the card issuing user.
Step S102: and determining a corresponding service processing strategy according to the request of rejecting the payment and dispatching order and a preset service processing relation.
Step S103: and executing corresponding card organization butt joint operation according to the service processing strategy, executing corresponding service processing operation after the card organization butt joint operation is finished, and returning the result of the service processing operation to the card issuing user.
As can be seen from the above description, in the computer-readable storage medium provided in this embodiment of the present application, by receiving a request for a missed payment statement sent by a card issuer user, determining a service processing policy corresponding to the request for the missed payment statement according to the request for the missed payment statement and a preset service processing relationship matching the request for the missed payment statement, that is, a card organization capable of being correctly docked with the request for the missed payment statement and docking parameters necessary for executing corresponding service processing, executing a corresponding card organization docking operation according to the service processing policy, executing a corresponding service processing operation after the card organization docking operation is completed, and returning a result of the service processing operation to the card issuer user, the docking operation with systems of different card organizations is flexibly, accurately and automatically implemented, and different types of service processing of different card organizations are smoothly completed.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A card organization payment rejection bill data processing method is characterized by comprising the following steps:
receiving a payment refusing and order dispatching request sent by a card sender user;
determining a corresponding service processing strategy according to the request of rejecting the payment receipt and a preset service processing relation;
and executing corresponding card organization butt joint operation according to the service processing strategy, executing corresponding service processing operation after the card organization butt joint operation is finished, and returning the result of the service processing operation to the card issuing user.
2. The method for processing the card organization repudiation ticket data according to claim 1, wherein before determining the corresponding business processing policy according to the repudiation ticket request and the preset business processing relationship, the method further comprises:
judging whether a preset service processing relation corresponding to the request of rejecting the bill of transfer exists or not;
if not, determining at least one service processing relation according to the original transaction information in the order rejection request.
3. The card organization repudiation invoicing data processing method according to claim 2, wherein the determining at least one business processing relationship according to original transaction information in the repudiation invoicing request comprises:
and respectively arranging and combining different card organization types in the original transaction information in the request of the rejection order with different service types to obtain at least one service processing relation.
4. The card organization payment refusal bill data processing method according to claim 1, wherein said executing the corresponding card organization docking operation according to the business processing policy includes:
determining a corresponding card organization interface address and a service docking parameter according to the card organization type and the service type in the service processing strategy;
and establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameters.
5. A card organization payment rejection bill data processing device is characterized by comprising:
the system comprises a receipt refusing and dispatching request receiving module, a receipt refusing and dispatching request receiving module and a dispatching processing module, wherein the receipt refusing and dispatching request receiving module is used for receiving a receipt refusing request sent by a card sender user;
the service processing strategy determining module is used for determining a corresponding service processing strategy according to the request of the payment refusing order and a preset service processing relation;
and the card organization docking module is used for executing corresponding card organization docking operation according to the business processing strategy, executing corresponding business processing operation after the card organization docking operation is finished, and returning the result of the business processing operation to the card issuer user.
6. The card organization repudiation bill data processing device according to claim 5, characterized by further comprising:
a service processing relation matching unit, configured to determine whether a preset service processing relation corresponding to the request for rejecting payment is present;
and the service processing relation adding unit is used for determining at least one service processing relation according to the original transaction information in the purchase rejection order-transferring request if the preset service processing relation corresponding to the purchase rejection order-transferring request does not exist.
7. The card organization pay-off rejection data processing apparatus according to claim 6, wherein said service processing relationship adding unit comprises:
and the business processing relation generating subunit is used for respectively arranging and combining different card organization types in the original transaction information in the request of the denial of payment statement with different business types to obtain at least one business processing relation.
8. The card organization repudiation bill data processing device according to claim 5, wherein said card organization docking module comprises:
the card organization characteristic information determining unit is used for determining a corresponding card organization interface address and a service docking parameter according to the card organization type and the service type in the service processing strategy;
and the card organization docking unit is used for establishing a communication channel with the corresponding card organization according to the card organization interface address and the service docking parameter.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the steps of the card organization chargeback data processing method of any one of claims 1 to 4 are implemented when the processor executes the program.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the card organization repudiation invoicing data processing method of any one of claims 1 to 4.
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