CN112819473A - Order processing method, server, equipment and medium based on digital dictionary - Google Patents
Order processing method, server, equipment and medium based on digital dictionary Download PDFInfo
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Abstract
The embodiment of the invention discloses an order processing method, a server, equipment and a medium based on a digital dictionary. The method comprises the following steps: acquiring a payment scene and a fund code in order information; determining a payment channel according to the payment scene and a pre-configured digital dictionary; determining a liquidation bank corresponding to the fund code according to the fund code and the digital dictionary; and performing payment operation on the clearing bank through the payment channel according to the payment scene so as to perform clearing operation on the order through the clearing bank, so that the internal identity of the serial payment link is defined through the digital dictionary, the service scene can be distinguished according to the internal identity, and the order processing efficiency is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of information, in particular to an order processing method, a server, equipment and a medium based on a digital dictionary.
Background
In the payment field, the fourth party payment, i.e. the aggregated payment, is a platform that integrates the payment services of more than one bank and a third party payment mechanism together and provides service contents such as "payment channel service" and "integrated reconciliation service" for merchants.
However, the current aggregation payment depends on the serial number of an external supplier, and the internal part of an aggregation payment platform is lack of an identity, so that the business scene of an order is difficult to distinguish, and the order processing efficiency is influenced.
Disclosure of Invention
The embodiment of the invention provides an order processing method, a server, equipment and a medium based on a digital dictionary, and the order processing efficiency is improved by distinguishing the service scenes of orders.
In a first aspect, an embodiment of the present invention provides an order processing method based on a digital dictionary, including:
acquiring a payment scene and a fund code in order information;
determining a payment channel according to the payment scene and a pre-configured digital dictionary, wherein the digital dictionary is a set of internal identifications of the serial payment link;
determining a liquidation bank corresponding to the fund code according to the fund code and the digital dictionary;
and carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation on the order through the clearing bank.
In a second aspect, an embodiment of the present invention further provides an order processing apparatus based on a digital dictionary, where the apparatus includes:
the code acquisition module is used for acquiring a payment scene and a fund code in the order information;
the channel determining module is used for determining a payment channel according to the payment scene and a pre-configured digital dictionary, wherein the digital dictionary is a set of internal identity identifications of the serial payment link;
the bank determining module is used for determining a clearing bank corresponding to the fund code according to the fund code and the digital dictionary;
and the order clearing module is used for carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation on the order through the clearing bank.
In a third aspect, an embodiment of the present invention further provides a server, where the server includes:
one or more processors;
a memory for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a digital dictionary-based order processing method as in any embodiment of the present invention.
In a fourth aspect, embodiments of the present invention further provide a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform the digital dictionary-based order processing method according to any of the embodiments of the present invention.
The embodiment of the invention provides an order processing method, an order processing device, a server and a medium based on a digital dictionary.
Drawings
Fig. 1 is a flowchart of an order processing method based on a digital dictionary according to an embodiment of the present invention;
FIG. 2 is a flowchart of another digital dictionary-based order processing method according to an embodiment of the present invention;
fig. 3 is an evolution diagram of a payment method defined in advance for payment according to an embodiment of the present invention;
fig. 4 is an evolution diagram of defining an association relationship between a payment scenario and a routing code in a payment affair according to an embodiment of the present invention;
FIG. 5 is a diagram illustrating a relationship between a post-paid credit code and a fund code according to an embodiment of the present invention;
fig. 6 is a block diagram of an order processing apparatus based on a digital dictionary according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a server according to an embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
For ease of understanding, the meaning of the digital dictionary will be explained first.
For the aggregate payment platform, the process of assigning identity to each payment channel is defined as a personalized digital dictionary in the payment field. This digital dictionary will act as a unique key throughout the entire payment link, acting as an identification.
Optionally, the digital dictionary comprises: the incidence relation between the payment type of the payment channel and the payment mode in the aggregated payment platform; the incidence relation between the payment scene and the routing code in the aggregation payment platform is realized, wherein the routing code is the code of the payment routing of the payment mode; and the incidence relation of the fund code, the liquidation code and the payment mode in the aggregate payment platform.
It should be noted that the payment channel is a channel for transferring funds, and is also called a funds channel or a payment channel. For example, the payment channel may be a bank card or a credit card, and may also be a third party payment platform such as WeChat, Payment Bao, and the like. The third party payment platform is a payment company with a payment license plate, and can be directly connected with organizations with payment capacity, such as a settlement account and a bank, so that fund transfer is realized.
The payment type of the payment channel is the manner in which the payment channel performs a particular payment operation. For example, the payment type may be a quick payment or a withholding payment, etc. The quick payment is a safe and convenient payment mode, the bank card information and the identity information of the user are verified, and the quick payment can be opened after the verification is successful. After the opening is successful, the payment can be easily finished by inputting the payment password. Withholding for payment means an action of automatic withholding according to a pre-established borrowing protocol.
In the embodiment of the invention, the payment mode refers to the identity defined for the payment type of each payment channel in the aggregated payment platform, and the payment mode is defined in advance of payment. For example, the payment mode in the aggregated payment platform is the identity of payment types such as quick payment or withholding payment for a payment channel.
In the embodiment of the invention, an identity is given to the payment scene in the digital dictionary, namely, the payment scene is digitalized and dictionary-formed. The payment scenario includes multiple scenarios, and the embodiment of the present invention is not limited in particular. For example, payment scenarios may include monthly payments, advanced payments, overdue regroups, payments to others, and so forth. Wherein, the monthly payment is the monthly payment on time. The advance payment is a payment action which is carried out before the bill of all the term is not due. The overdue reorganization is the action of packaging old overdue bills, allowing a client to pay less money according to certain preference and packaging the rest money into a new bill. Repayment for another person is the act of repayment for another person.
In the embodiment of the invention, the routing code is the aggregation of the template codes of the payment routing displayed by the payment mode in the user-defined payment field. The payment route is a logic composed of main modules of channels, transaction numbers, merchant pools and merchant configuration and a series of routing/number selection strategies determined by specific services. Illustratively, the steps of screening the payment route, the steps of screening the rule and determining the screening result are as follows:
a screening step: the payment routing is to complete transaction number selection in the merchant pool; the transaction number refers to the channel-side merchant number for the transaction. Channel information can be obtained at the same time by selecting the transaction number.
Screening rules: for configuring a plurality of designated merchant pools for merchant-payment mode-payment type, an entrance number for transaction is found through the corresponding merchant pools during transaction.
And (4) screening results: the method is characterized in that four modules are configured for a channel, a transaction number, a merchant pool and a merchant to set corresponding attributes so as to determine which number can be used and which number cannot be used when the number is selected in the merchant pool.
For example, when a transaction is detected, a transaction number is randomly selected from a merchant pool; the current transaction time and transaction amount are used to compare the existing attributes of the merchant pool, transaction number and channel. Wherein, the daily transaction limit-daily transaction accumulated amount is the transaction amount. If the transaction amount is within the single limit range and the transaction time is within the service amount range, the transaction number can be used; the routing returns information such as a transaction key, a payment channel and the like corresponding to the number to complete the transaction.
Illustratively, assuming there are a routing code (1001), a routing code (1002), and a routing code (1003), respectively, then for the routing code (1001), it represents a payment method supporting WeChat and money transfer. Similarly, for routing code (1002), it represents a bank card and a credit card. For routing code (1003), it represents a credit card and a payment instrument. After the association relationship between the payment scenario and the routing code is established in the digital dictionary, the payment method supporting WeChat and transfer can be determined when the payment scenario is monthly repayment 101 and the routing code is 1001. Optionally, at least two payment scenarios may reuse the same routing code in the aggregated payment platform, so as to improve routing efficiency and avoid configuring more payment routes. For example, a routing code may have an association relationship with payment scenarios such as monthly payment and advance payment.
Fig. 1 is a flowchart of an order processing method based on a digital dictionary according to an embodiment of the present invention, where the embodiment is applicable to an aggregate payment scenario, and the method may be executed by an order processing apparatus based on a digital dictionary, where the apparatus may be implemented by software and/or hardware, and is generally configured in a server. As shown in fig. 1, the method includes:
and step 110, obtaining a payment scene and a fund code in the order information.
The order information is related information of an order generated by the aggregate payment platform in response to the user operation. In the payment field, the aggregated payment platform may be referred to as a fourth payment platform, which is a platform that integrates payment services of more than one bank and a third-party payment mechanism together to provide service contents such as "payment channel service" and "integrated reconciliation service" for merchants.
The order information in the embodiment of the invention is information of an order processed by the aggregation payment platform, and can be sent to the platform server by the client so as to indicate the specific content of the user operation to the platform server. For example, if the client detects that the fund party selects the ordering and billing business mode and the selected payment scene is monthly payment, the client generates an order based on the information and sends order information to the server.
In particular, the order information may include payment scenarios and funding codes. The payment scene comprises an instant payment scene and a personalized customized payment repayment scene. When the payment scene refers to a payment repayment scene in particular, the payment scene can be monthly repayment, advance repayment, repayment for other people, bill staging and the like. The funding code may refer to a data dictionary designation of the asset source principal, where the funding source principal may be one of the funds, securities, insurance, business principal, etc. that provide the loan.
Illustratively, order information sent by the client is obtained, and the order information is analyzed to obtain a payment scene and a fund code based on a communication protocol between the aggregated payment platform and the client.
And step 120, determining a payment channel according to the payment scene and a pre-configured digital dictionary.
Wherein the digital dictionary is a collection of internal identities of the tandem payment link. Based on the above description, the digital dictionary includes an association relationship between the payment type of the payment channel and the payment method in the aggregated payment platform, and also includes an association relationship between the payment scenario and the routing code in the aggregated payment platform. Therefore, a pre-configured digital dictionary is inquired according to the payment scene to obtain a routing code corresponding to the payment scene; inquiring the digital dictionary according to the routing code to obtain an alternative payment mode corresponding to the routing code; matching the alternative payment mode with a payment mode configured by a user, and taking the alternative payment mode successfully matched as the payment mode; and querying the digital dictionary according to the payment mode to obtain a payment channel and a payment type corresponding to the payment mode.
Optionally, before querying the digital dictionary according to the payment method, the method further includes: determining a reference payment mode corresponding to the fund code according to the fund code and the digital dictionary; and taking an alternative payment mode consistent with the reference payment mode and the payment mode configured by the user as the payment mode. Because the incidence relation between the point clearing code and the payment mode and the incidence relation between the point clearing code and the fund code are also defined in the digital dictionary, the incidence relation between the payment mode, the fund code and the point clearing code can be established by taking the point clearing code as a connecting point in the digital dictionary. The clearing code is a digital dictionary name defined by a clearing bank and a supervision bank playing an important role in the payment field. Funding codes are a data dictionary designation for a source entity providing an asset offering for credited funds, securities, insurance, business entities, etc. in the payment domain. According to the above contents, different score codes may correspond to different payment modes, and the determination of the score codes is related to the capital codes, so that the score codes can be obtained by querying the digital dictionary through the capital codes, and then the corresponding reference payment modes can be obtained by querying the digital dictionary according to the score codes. If the corresponding relation of the capital codes, the payment modes and the liquidation codes is directly stored in the digital dictionary in an associated mode, the digital dictionary can be directly inquired according to the capital codes to obtain the reference payment mode. And selecting a mode consistent with both the reference payment mode and the payment mode configured by the user from the determined alternative payment modes as the payment mode corresponding to the current payment scene. The design can ensure that the payment mode for order clearing is a mode supported by a clearing bank and the payment mode is a selected payment mode, thereby completing order clearing operation.
If the alternative payment modes determined in the step do not have the mode consistent with the reference payment mode and the payment mode configured by the user, prompting the user to update the pre-configured payment mode according to the alternative payment mode supported by the clearing bank so as to avoid the condition that the order clearing is influenced because the payment mode configured by the user is different from the payment mode supported by the clearing bank.
For example, assuming that the payment scenario configured by the user is a monthly payment and the selected payment method is a WeChat payment, the payment method configured by the user in the digital dictionary corresponds to payment method (003). And inquiring the digital dictionary according to the monthly payment (101) to obtain a corresponding routing code (1001), wherein the alternative payment modes supported by the routing code (1001) are WeChat and transfer. Matching the alternative payment mode with the payment mode configured by the user, determining that the payment mode is the payment mode (003) according to the matching result, and inquiring the digital dictionary according to the payment mode (003) to obtain that the payment channel is WeChat and the payment type is paid by the account of the merchant number 1 of the WeChat.
Optionally, if the reference payment method corresponding to the fund code obtained according to the fund code and the digital dictionary is WeChat, quick payment and Payment treasure, a payment method (003) in the alternative payment methods, which is consistent with both the reference payment method and the payment method configured by the user, is used as a final payment method. And inquiring the digital dictionary according to the payment mode to obtain a payment channel.
And step 130, determining a liquidation bank corresponding to the fund code according to the fund code and the digital dictionary.
It should be noted that, based on the signing agreement between the clearing bank and the third-party payment channel, identity identifiers are respectively configured for the clearing bank and the third-party payment channel on the aggregation payment platform, and an association relationship between the clearing bank and the identity identifiers of the third-party payment is established, that is, an association relationship between the clearing code and the payment mode is established. Generally, the credit codes and payment methods are in one-to-many relationship.
Based on the signing agreement between the liquidation bank and the fund party, identity identification is configured for the fund party on the aggregation payment platform, and the incidence relation between the liquidation bank and the identity identification of the fund party is established, namely the incidence relation between the liquidation code and the fund code is established. In general, the liquidation code and the fund code are in one-to-many relationship.
Illustratively, a pre-configured digital dictionary is inquired according to the fund code to obtain a liquidity code corresponding to the fund code; and determining the clearing bank corresponding to the fund code according to the corresponding relation between the clearing code and the clearing bank.
And 140, performing payment operation on the clearing bank through the payment channel according to the payment scene so as to perform clearing operation on the order through the clearing bank.
In the payment area, clearing and settlement may also be collectively referred to as clearing and settlement. Wherein, the clearing is the rolling error account. For example, row A will pay 2 billion for row B, row B will pay 1 billion for row A, and row A will pay 1 billion for row B. The clearing enterprises such as the Unionpay, the VISA and the Mastercard are used for carrying out clearing and scoring work. Accordingly, settlement is such that a line a pays out money as much as a lot to a line B based on the result of account checking. The settlement mode can be cash or electronic money.
Illustratively, configuration information and key information corresponding to the payment channel are acquired; and according to the configuration information and the key information, paying and clearing are carried out on the clearing bank according to a mode specified by a payment scene. Wherein the configuration information of the payment channel indicates the relevant configuration information for paying the payee. The key information of the payment channel represents parameters input in an algorithm for converting payment-related data of the payment channel from plaintext to ciphertext or from ciphertext to plaintext. The payment to the clearing bank can be realized through the configuration information and the key information of the payment channel, and the payment or the clearing is carried out according to the mode specified by the payment scene preset by the user when the payment is carried out to the clearing bank. And when the clearing bank receives the payment or the settlement of the set order from the payment channel, clearing and settling the corresponding order.
According to the technical scheme, the payment channel is determined through the payment scene and the digital dictionary, the clearing bank is determined according to the fund code and the digital dictionary, the payment operation is carried out on the clearing bank through the payment channel according to the mode specified by the payment scene, the clearing operation of orders is carried out through the clearing bank, the internal identity of the serial payment link is defined through the digital dictionary, the business scene can be distinguished according to the internal identity, and therefore the order processing efficiency is improved.
Fig. 2 is a flowchart of another order processing method based on a digital dictionary according to an embodiment of the present invention, which is a further refinement of the foregoing embodiment. As shown in fig. 2, the method includes:
and 210, when the order placing and keeping operation is detected, obtaining order information corresponding to the order placing and keeping operation, and analyzing the order information to obtain a payment scene and a fund code.
And step 220, inquiring a pre-configured digital dictionary according to the payment scene to obtain a routing code corresponding to the payment scene.
And step 230, querying the digital dictionary according to the routing code to obtain an alternative payment mode corresponding to the routing code.
And 240, matching the alternative payment mode with a payment mode configured by the user, and taking the alternative payment mode successfully matched as the payment mode.
And step 250, inquiring the digital dictionary according to the payment mode to obtain a payment channel corresponding to the payment mode.
And step 260, inquiring a pre-configured digital dictionary according to the fund code to obtain a liquidity code corresponding to the fund code.
And 270, determining the liquidation bank corresponding to the fund code according to the corresponding relation between the liquidation code and the liquidation bank.
And step 280, acquiring configuration information and key information corresponding to the payment channel.
And 290, according to the configuration information and the key information, paying and clearing are carried out on the clearing bank according to a mode specified by the payment scene, so that the clearing and settlement operation of the order is carried out through the clearing bank.
It should be noted that, if the service scenario is a payment scenario, the digital dictionary may be queried according to a payment method to obtain a corresponding payment channel, obtain configuration information and key information corresponding to the payment channel, and complete payment according to the configuration information and the key information.
Specifically, for an aggregated payment platform, defining the goals of a digital dictionary includes:
1. payment prior definition: and (4) a payment mode. The payment mode is the identity of payment types such as quick payment and withholding of the butt joint payment channel.
2. Definition in payment affairs: payment scenarios and routing encodings.
3. Payment post definition: and the clearing code and the fund code are the identity marks for clearing after payment.
Fig. 3 is an evolution diagram of a payment method defined in advance for payment according to an embodiment of the present invention, and as shown in fig. 3, a payment channel for payment access includes a change payment and a wechat payment, where the payment type of the change payment is a quick payment and a withholding; the payment types for the WeChat payment are Merchant number 1 and Merchant number 2. And respectively endowing payment identity marks for the payment types of the payment channels, namely defining quick payment of the Yibao payment as a payment mode (001), defining a discount as a payment mode (002), defining a merchant number 1 as a payment mode (003) and defining a merchant number 2 as a payment mode (004), thereby finishing the identification of the payment identity of the internal authentication. For the payment identity, the identity of the payment mode provided for business personnel in the aggregated payment platform can be understood. The business personnel can use the payment mode to initiate the actions of payment, refund and the like. For the aggregated payment platform, the corresponding payment channel can be matched according to the payment mode, and the related configuration information and the key information can be acquired, so that the payment can be completed.
Fig. 4 is an evolution diagram of defining an association relationship between a payment scenario and a routing code in a payment transaction according to an embodiment of the present invention. As shown in fig. 4, assuming that the payment scenario includes monthly payment, advanced payment, overdue restructuring and payment for others, the payment scenario is respectively endowed with identity labels, and monthly payment (101), advanced payment (102), overdue restructuring (103) and payment for others (104) are obtained. Assuming that there is a routing code (1001), a routing code (1002) and a routing code (1003), then for the routing code (1001), it represents a payment method supporting WeChat and transfer; similarly, the routing code (1002) represents the payment mode of the bank card and the credit card, and the routing code (1003) represents the credit card and the payment treasure. When the service scenario is payment by monthly payment (101) and the routing code (1001), the payment supported by the service scenario can be determined to comprise WeChat payment and transfer payment. In fig. 4, the advance payment (102) and the payment for another person (104) both correspond to the routing code (1002), that is, the advance payment (102) and the payment for another person (104) multiplex the routing code (1002). Here, the routing code is valuable in being reusable, i.e., it is possible to support the matching of payment scenarios such as payment for other people and payment in advance.
Fig. 5 is a diagram illustrating a relationship between a credit code and a fund code defined after a payment event according to an embodiment of the present invention. As shown in fig. 5, at the beginning of the transaction, the aggregate payment platform and the institution signs the agreement relationship of the clearing bank a and the third party payment institution. After the agreement is established, the self-defined digital dictionary in the aggregated payment platform establishes the association relationship between the clearing code and the payment mode, and in general, the clearing bank and the payment mode are in one-to-many relationship. Assuming that the clearing relationship between the aggregation payment platform and the fund party can be completed through the clearing bank A, the relationship between the clearing codes and the fund codes is established, and the clearing bank and the fund codes are also in one-to-many relationship. Therefore, in the digital dictionary of the aggregation payment platform, the liquidation code is a connection point of the payment mode and the fund code. After the transaction, through the relation of the liquidation code, the payment code and the fund code in the digital dictionary, the series connection of the accounting code and the fund code and the liquidation code is completed through the financing relation of the order and the fund party when the order is placed. When the user borrows and pays, payment is completed through a payment mode, at the moment, the payment mode is connected with the clearing code in series, then, the relation among the clearing code, the fund code and the payment mode is established through accounting, the payment clearing process is completed, and the process reflects that the whole payment link is connected in series through the application of the digital dictionary.
According to the technical scheme, the digital dictionary in the payment field is comprehensively applied to the transaction system, the payment mode, the payment scene and the routing code in the payment routing stage are fully applied in the transaction payment stage, the clearing code and the fund code are applied to the clearing and settlement stage to complete clearing, the digital dictionary is applied to complete the series connection of the whole payment link, the amount of the clearing and settlement on line is in the magnitude of more than 4 hundred million at present, and the application range is wide.
Fig. 6 is a block diagram of an order processing apparatus based on a digital dictionary according to an embodiment of the present invention. The apparatus may be implemented by software and/or hardware and is typically integrated in a server. The apparatus of this embodiment may execute the order processing method based on the digital dictionary according to any embodiment of the present invention, so as to define the internal identity of the serial payment link through the digital dictionary, and distinguish a service scenario according to the internal identity, thereby improving order processing efficiency. As shown in fig. 6, the apparatus includes:
the code acquiring module 610 is used for acquiring a payment scene and a fund code in the order information;
a channel determining module 620, configured to determine a payment channel according to the payment scenario and a preconfigured digital dictionary, where the digital dictionary is a set of internal ids of a serial payment link;
the bank determining module 630 is configured to determine, according to the fund code and the digital dictionary, a liquidation bank corresponding to the fund code;
and the order settlement module 640 is configured to perform a payment operation to the clearing bank through the payment channel according to the payment scenario, so as to perform a settlement operation of the order through the clearing bank.
The embodiment of the invention provides an order processing device based on a digital dictionary, which is characterized in that a payment channel is determined through a payment scene and the digital dictionary, a clearing bank is determined according to a capital code and the digital dictionary, payment operation is carried out on the clearing bank through the payment channel according to a mode specified by the payment scene, clearing and settlement operation of orders is carried out through the clearing bank, internal identification of a serial payment link is defined through the digital dictionary, business scenes can be distinguished according to the internal identification, and therefore order processing efficiency is improved.
Optionally, the digital dictionary comprises:
the incidence relation between the payment type of the payment channel and the payment mode in the aggregated payment platform;
an incidence relation between a payment scene and a routing code in the aggregation payment platform, wherein the routing code is a code of a payment route related to a payment mode;
and the incidence relation of the fund code, the liquidation code and the payment mode in the aggregate payment platform.
Optionally, the at least two payment scenarios multiplex one routing code within the aggregated payment platform.
Optionally, the channel determining module 620 is specifically configured to:
inquiring a pre-configured digital dictionary according to the payment scene to obtain a routing code corresponding to the payment scene;
inquiring the digital dictionary according to the routing code to obtain an alternative payment mode corresponding to the routing code;
matching the alternative payment mode with a payment mode configured by a user, and taking the alternative payment mode successfully matched as the payment mode;
and querying the digital dictionary according to the payment mode to obtain a payment channel corresponding to the payment mode.
Optionally, the apparatus further comprises:
the payment mode determining module is used for determining a reference payment mode corresponding to the fund code according to the fund code and the digital dictionary before querying the digital dictionary according to the payment mode; and taking an alternative payment mode consistent with the reference payment mode and the payment mode configured by the user as a payment mode.
Optionally, the bank determining module 630 is specifically configured to:
inquiring a pre-configured digital dictionary according to the fund code to obtain a score clearing code corresponding to the fund code;
and determining the liquidation bank corresponding to the fund code according to the corresponding relation between the liquidation code and the liquidation bank.
Optionally, the order compensation module 640 is specifically configured to:
acquiring configuration information and key information corresponding to the payment channel;
and according to the configuration information and the key information, paying and clearing are carried out on the clearing bank according to a mode specified by the payment scene.
The order processing device based on the digital dictionary provided by the embodiment of the invention can execute the order processing method based on the digital dictionary provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.
Fig. 7 is a schematic structural diagram of a server according to an embodiment of the present invention, as shown in fig. 7, the server includes a processor 70, a memory 71, an input device 72, and an output device 73; the number of the processors 70 in the server may be one or more, and one processor 70 is taken as an example in fig. 7; the processor 70, the memory 71, the input device 72 and the output device 73 in the server may be connected by a bus or other means, and the bus connection is exemplified in fig. 7.
The memory 71 is a computer-readable storage medium, and can be used for storing software programs, digital dictionaries, computer-executable programs, and modules, such as program instructions/modules corresponding to the digital dictionary-based order processing method in the embodiment of the present invention (for example, the code acquiring module 610, the channel determining module 620, the bank determining module 630, and the order liquidation module 640). The processor 70 executes various functional applications of the server and data processing by running software programs, instructions and modules stored in the memory 71, that is, implements the digital dictionary-based order processing method described above.
The memory 71 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 71 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, memory 71 may further include memory located remotely from processor 70, which may be connected to a server over a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 72 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the server. The output device 73 may include a display device such as a display screen.
Embodiments of the present invention also provide a storage medium containing computer-executable instructions, which when executed by a computer processor, perform a digital dictionary-based order processing method, the method comprising:
acquiring a payment scene and a fund code in order information;
determining a payment channel according to the payment scene and a pre-configured digital dictionary, wherein the digital dictionary is a set of internal identifications of the serial payment link;
determining a liquidation bank corresponding to the fund code according to the fund code and the digital dictionary;
and carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation on the order through the clearing bank.
Of course, the storage medium containing the computer-executable instructions provided by the embodiments of the present invention is not limited to the method operations described above, and may also perform related operations in the order processing method based on the digital dictionary provided by any embodiments of the present invention.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.
It should be noted that, in the above embodiment of the order processing apparatus based on the digital dictionary, the included units and modules are only divided according to the functional logic, but are not limited to the above division, as long as the corresponding functions can be realized; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A digital dictionary-based order processing method is characterized by comprising the following steps:
acquiring a payment scene and a fund code in order information;
determining a payment channel according to the payment scene and a pre-configured digital dictionary, wherein the digital dictionary is a set of internal identifications of the serial payment link;
determining a liquidation bank corresponding to the fund code according to the fund code and the digital dictionary;
and carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation on the order through the clearing bank.
2. The method of claim 1, wherein the digital dictionary comprises:
the incidence relation between the payment type of the payment channel and the payment mode in the aggregated payment platform;
an incidence relation between a payment scene and a routing code in the aggregation payment platform, wherein the routing code is a code of a payment route related to a payment mode;
and the incidence relation of the fund code, the liquidation code and the payment mode in the aggregate payment platform.
3. The method of claim 2, wherein the at least two payment scenarios multiplex one routing code within the aggregated payment platform.
4. The method of claim 1, wherein determining a payment channel based on the payment scenario and a preconfigured digital dictionary comprises:
inquiring a pre-configured digital dictionary according to the payment scene to obtain a routing code corresponding to the payment scene;
inquiring the digital dictionary according to the routing code to obtain an alternative payment mode corresponding to the routing code;
matching the alternative payment mode with a payment mode configured by a user, and taking the alternative payment mode successfully matched as the payment mode;
and querying the digital dictionary according to the payment mode to obtain a payment channel corresponding to the payment mode.
5. The method of claim 4, prior to querying the digital dictionary based on the payment method, further comprising:
determining a reference payment mode corresponding to the fund code according to the fund code and the digital dictionary;
and taking an alternative payment mode consistent with the reference payment mode and the payment mode configured by the user as a payment mode.
6. The method of claim 1, wherein determining the liquidation bank corresponding to the fund code according to the fund code and the digital dictionary comprises:
inquiring a pre-configured digital dictionary according to the fund code to obtain a score clearing code corresponding to the fund code;
and determining the liquidation bank corresponding to the fund code according to the corresponding relation between the liquidation code and the liquidation bank.
7. The method of claim 1, wherein the performing payment operations to the clearing bank through the payment channel according to the payment scenario comprises:
acquiring configuration information and key information corresponding to the payment channel;
and according to the configuration information and the key information, paying and clearing are carried out on the clearing bank according to a mode specified by the payment scene.
8. An order processing apparatus based on a digital dictionary, comprising:
the code acquisition module is used for acquiring a payment scene and a fund code in the order information;
the channel determining module is used for determining a payment channel according to the payment scene and a pre-configured digital dictionary, wherein the digital dictionary is a set of internal identity identifications of the serial payment link;
the bank determining module is used for determining a clearing bank corresponding to the fund code according to the fund code and the digital dictionary;
and the order clearing module is used for carrying out payment operation on the clearing bank through the payment channel according to the payment scene so as to carry out clearing operation on the order through the clearing bank.
9. A server, characterized in that the server comprises:
one or more processors;
a memory for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement a digital dictionary-based order processing method as recited in any one of claims 1-7.
10. A storage medium containing computer-executable instructions for performing the digital dictionary-based order processing method of any one of claims 1 to 7 when executed by a computer processor.
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