CN113095814A - Multi-channel combined payment method and device - Google Patents
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Abstract
The embodiment of the invention provides a method and a device for multi-channel combined payment, wherein the method comprises the following steps: the transaction system receives a transaction processing request sent by the service system; the transaction system determines a payment channel indicated by the transaction processing request according to the transaction information in the transaction processing request; the transaction system generates a payment order of the payment channel according to the transaction information aiming at any payment channel; and the transaction system processes the payment orders through the payment channels corresponding to the payment orders so as to complete the transaction processing request. According to the method, the transaction processing is carried out through the combined payment mode of multiple channels and multiple payment orders, so that the combined payment processing efficiency can be improved, and the intelligence and flexibility of combined payment are improved.
Description
Technical Field
The application relates to the technical field of networks of financial technology (Fintech), in particular to a method and a device for multi-channel combined payment.
Background
In recent years, with the development of computer technology, more and more technologies are applied in the financial field, and the traditional financial industry is gradually changing to financial technology (Fintech), but higher requirements are also put on the technologies due to the requirements of the financial industry on safety and real-time performance. For example, each mall of most of the current shopping platforms has its own payment method, and each platform develops a corresponding equity payment channel, such as points, coupons, etc., according to its own business; in order to use the coupons and points, the user consumes the coupons and points on the shopping platform or the shopping mall, and the merchant increases the retention rate of the customer. Accordingly, the consumption method using multiple payment channels such as coupons, credits and bank cards may cause a problem of combined payment.
In the prior art, for the processing mode of combined payment, preferential amount except for the division currency is recorded in a transaction sheet, and a payment sheet is actually generated. For example, when a consumer submits a transaction, the payment platform actually records the payment information of the equity class in a transaction sheet after completing payment through the payment channel of the equity class, and generates a payment sheet for payment from the payment information of bank payment or third party payment, so as to realize combined payment. The payment order is linked with the payment information of the equity class through data; but when account checking, linkage errors may occur, so that the account cannot be checked, and the account checking in the mode needs to acquire multi-party data sources, so that processing resources and time are consumed; if refund occurs, the operation is required to be carried out manually, the intelligence and the activity are poor, and the processing efficiency is low.
Therefore, there is a need for a method and an apparatus for multi-channel combined payment, which can improve the processing efficiency of combined payment and the intelligence and flexibility of combined payment.
Disclosure of Invention
The embodiment of the invention provides a method and a device for multi-channel combined payment, which improve the combined payment processing efficiency and the intelligence and flexibility of combined payment.
In a first aspect, an embodiment of the present invention provides a method for multi-channel combined payment, where the method includes:
the transaction system receives a transaction processing request sent by the service system; the transaction system determines a payment channel indicated by the transaction processing request according to the transaction information in the transaction processing request; the transaction system generates a payment order of the payment channel according to the transaction information aiming at any payment channel; and the transaction system processes the payment orders through the payment channels corresponding to the payment orders so as to complete the transaction processing request.
In the method, the payment channel indicated by the transaction processing request is determined according to the transaction information, and then at least one payment order corresponding to the transaction processing request is determined. Therefore, each payment channel of the interest class or the non-interest class can respectively correspond to one payment order. If the transactions such as transfer, recharge, withdrawal or refund occur; the transaction processing is carried out according to the corresponding payment sheet, so that the accuracy of the transaction processing can be improved; the account checking is carried out according to the payment order, and the corresponding payment order can be obtained in only one data source, so that the transaction processing efficiency is improved, and the resources occupied by the transaction processing are reduced; and refunding according to the payment order can be intelligently and flexibly determined to directly determine the payment channel corresponding to the payment order and complete refunding. Compared with the method and the device for generating only one payment order in the prior art, the combined payment processing efficiency can be improved, and the intelligence and the flexibility of combined payment are improved.
Optionally, the determining, by the transaction system, a payment channel indicated by the transaction processing request according to the transaction information in the transaction processing request includes: the transaction type corresponding to the transaction processing request is payment type transaction, and the transaction system determines a payment channel indicated by the transaction processing request according to a payment channel identifier in the transaction information; or the transaction type corresponding to the transaction processing request is a refund type transaction, and the transaction system determines the payment channel indicated by the transaction processing request according to the transaction order number in the transaction information.
In the method, in a payment scene, namely, the transaction type is payment type transaction, such as transfer, recharge, withdrawal and the like; the transaction information includes at least one payment channel identifier, and the corresponding payment channel can be obtained according to the payment channel identifier, so that subsequent multi-channel combined payment is facilitated. In a refund scene, the transaction information comprises a transaction order number, namely a plurality of payment orders corresponding to the transaction order number in a payment scene can be obtained, a payment channel indicated by the transaction processing request is determined according to the obtained payment order information, and refund is further carried out through the payment channel. Therefore, the refund can be completed by only acquiring one data source, and the transaction processing efficiency is improved.
Optionally, the determining, by the transaction system, a payment channel indicated by the transaction processing request according to the transaction order number in the transaction information includes: the transaction system determines each payment channel corresponding to each historical payment order under the transaction order number according to the transaction order number in the transaction information; and the transaction system determines the payment channel indicated by the transaction processing request from the payment channels supporting refund according to the refund rule of each payment channel.
In the method, in a refund scene, after determining each historical payment order according to the transaction order number and determining the payment channel corresponding to each historical payment order, rule acquisition requests can be sent to each payment channel respectively to determine whether the payment channel supports refund rules such as refund. Therefore, the success rate and the reliability of refund are improved.
Optionally, determining the payment channel indicated by the transaction processing request from payment channels supporting refund includes: the transaction system determines the refund priority of each payment channel according to the refund weight of each payment channel; the refund weight is preset for each payment channel or determined according to the transaction condition of each payment channel in the historical time period; and the transaction system determines a payment channel meeting the refund amount from payment channels supporting refund as the payment channel indicated by the transaction processing request according to the refund priority of each payment channel.
In the method, a developer can set refund weights for each payment channel according to historical experience, or can also set refund weight related rules and determine the refund weights according to transaction conditions of the payment channels in historical time periods; therefore, the refund weight of each payment channel is obtained, and further, the refund priority of each payment channel is determined according to the refund weight of each payment channel. And according to the refund priority of each payment channel supporting refund, sequentially completing the refund. Therefore, the transaction processing efficiency can be prevented from being reduced due to the fact that the refund transaction is concentrated in one payment channel, and excellent performance of transaction processing is guaranteed.
Optionally, the generating, by the transaction system, a payment order of the payment channel according to the transaction information for any payment channel includes: and the transaction system determines the refund amount of each payment channel according to the payment amount in the historical payment bill corresponding to each payment channel and based on the refund priority of each payment channel, so that the payment bill of each payment channel is generated.
In the method, the refund amount of each payment channel can be determined according to the payment amount in the historical payment bill corresponding to each payment channel and the self refund priority, and further, the payment bill of each payment channel is generated. Therefore, the refund amount can be regulated and controlled according to the refund priority of each payment channel, and the flexibility of the refund policy is improved.
Optionally, after the transaction system receives the transaction processing request sent by the service system, the method further includes: the transaction system determines the service order number of the transaction processing request according to the service type in the transaction processing request; the transaction system generates a transaction order number according to the transaction information and the service order number; each transaction order number corresponds to at least one payment order number.
In the method, the service order number is determined according to the service type. Therefore, the efficiency of transaction data analysis according to the service types is improved. One transaction order number may correspond to at least one transaction order number, and a plurality of payment order numbers in the same transaction correspond to one transaction order number. Therefore, multiple transactions of the same service type in a preset time period can be associated through the service single number, and the subsequent correlation analysis aiming at the service type and the transaction occurrence time is facilitated; and multiple payment sheets in the same transaction belong to the same transaction sheet number, so that the transaction processing is facilitated.
Optionally, the processing of each payment order by the transaction system through each payment channel corresponding to each payment order includes: aiming at any payment order, the transaction system generates a user account record instruction, a channel payment instruction and a channel account record instruction of the payment order; and the transaction system updates the financial information of the user through the user financial record instruction, indicates a payment channel corresponding to the payment order to complete payment through the channel payment instruction, and updates the financial information of the payment channel through the channel financial record.
In the method, the financial information of a user side and a channel side is updated through a user financial record instruction and a channel financial record instruction; and completing the money making through a channel payment instruction. Therefore, the reliability of payment channel payment and the accuracy of the financial information of the user side and the channel side are guaranteed.
Optionally, the method further includes: the transaction system monitors the processing of the transaction processing request based on an event-driven finite state machine.
In the above method, the processing of transaction processing requests is monitored by event-driven. Compared with the prior art that the transaction processing request is processed in an atomicity transaction mode, if the transaction is abnormal, the data volume needing to be rolled back is large, resources are occupied, and the performance of transaction equipment is reduced; and if dirty data exists in the data, the accuracy of transaction processing is reduced. On the other hand, the processing process of the transaction processing request can be monitored through the finite-state machine. Therefore, when transaction processing is abnormal, processing compensation can be directly initiated according to the current abnormal processing flow step, and the current abnormal flow step is restarted. The success rate and speed of transaction processing are improved.
In a second aspect, an embodiment of the present invention provides an apparatus for multi-channel combined payment, where the apparatus includes:
the receiving and sending module is used for receiving a transaction processing request sent by the service system;
the processing module is used for determining a payment channel indicated by the transaction processing request according to the transaction information in the transaction processing request;
the processing module is further used for generating a payment order of the payment channel according to the transaction information aiming at any payment channel;
the processing module is further used for processing each payment order through each payment channel corresponding to each payment order so as to complete the transaction processing request.
In a third aspect, an embodiment of the present application further provides a computing device, including: a memory for storing a program; a processor for calling the program stored in said memory and executing the method as described in the various possible designs of the first aspect according to the obtained program.
In a fourth aspect, embodiments of the present application further provide a computer-readable non-transitory storage medium including a computer-readable program which, when read and executed by a computer, causes the computer to perform the method as described in the various possible designs of the first aspect.
These and other implementations of the present application will be more readily understood from the following description of the embodiments.
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In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a schematic diagram of a multi-channel combined payment architecture according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a business system for multi-channel combined payment according to an embodiment of the present invention;
fig. 3 is a schematic diagram of a multi-channel combined payment transaction system according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a channel system for multi-channel combined payment according to an embodiment of the present invention;
FIG. 5 is a flowchart illustrating a method for multi-channel combined payment according to an embodiment of the present invention;
fig. 6 is a schematic diagram of a single number association relationship of multi-channel combined payment according to an embodiment of the present invention;
FIG. 7 is a flowchart illustrating a method for multi-channel combined payment according to an embodiment of the present invention;
FIG. 8 is a flowchart illustrating a method for multi-channel combined payment according to an embodiment of the present invention;
fig. 9 is a schematic diagram of an apparatus for multi-channel combined payment according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 is a system architecture for multi-channel combined payment according to an embodiment of the present invention, where a service system 101 receives a processing request and determines a service ticket number according to a service type included in the processing request; the business system 101 generates a transaction processing request including a business form number according to the processing request, and transmits the transaction processing request to the transaction system 102. The transaction system 102 determines a payment channel indicated by the transaction processing request according to the transaction information in the transaction processing request, and the transaction system 102 generates a corresponding payment order according to each payment channel, and a user financial record instruction, a channel payment instruction and a channel financial record instruction corresponding to each payment order, and sequentially sends the user financial record instruction, the channel payment instruction and the channel financial record instruction corresponding to each payment order to the channel system 103, so that the channel system 103 completes transaction processing according to the instructions.
Based on the system architecture in fig. 1, as shown in fig. 2, the service system 101 may include a plurality of service ticket generating modules, and each service ticket generating module may be respectively configured to generate a service ticket number of one service type. For example: the business system 101 in fig. 2 includes an e-commerce business form generation module, a financial business form generation module, and the like. After receiving the processing request, the service system 101 sends the processing request to a service bill generation module corresponding to the service type to generate a service bill number according to the service type in the processing request; for example: if the service type in the processing request is an e-commerce service, the service ticket number is 01+20210402 (which may include date information, etc.), and if the service type in the processing request is a financing service, the service ticket number is 02+20210402 (which may include date information, etc.), where the service ticket number is merely an example, and the service ticket number may also be a random number, and the method for generating the service ticket number is not limited to the specific method for generating the service ticket number in this application.
Based on the system architecture in fig. 1, as shown in fig. 3, after receiving a transaction processing request sent by a service system, a transaction system 102 sends the transaction processing request to corresponding transaction type interfaces according to a transaction type in the transaction processing request, where each type of transaction type interface corresponds to a transaction processing module corresponding to a corresponding transaction type. Fig. 3 of the present application shows a transaction system 102 including a transfer transaction processing module, a recharge transaction processing module, a cash withdrawal transaction processing module, and a refund transaction processing module, wherein the transfer transaction processing module, the recharge transaction processing module, the cash withdrawal transaction processing module, and the refund transaction processing module respectively include an assembly transaction information unit, a transaction order generation unit, a payment order generation unit, a risk evaluation unit, and a payment instruction generation unit; the transaction list generating unit in the refund transaction processing module is also used for determining a historical transaction list, and the payment list generating unit is also used for determining a historical payment list and also comprises a refund rule inquiring unit.
Based on the system architecture in fig. 1, as shown in fig. 4, the channel system 103 includes an account system, an internal payment channel system, and an external payment channel system. The internal payment channel system can be a multi-channel combined payment system based on the application, and various equity payment channel systems including equity issuing activities and equity consuming activities are carried out; for example, the ST express stores one ten thousand yuan in the ST express system in the multi-channel combined payment system of the application, and is used as the rights and interests of full discount, red packet or user balance and the like; aiming at the rights and interests of the ten-thousand yuan of full payment, the money package or the user balance and the like, the multi-channel combined payment system issues or consumes according to the received transaction processing request aiming at the ST express; the equity payment channel systems may include: ST express, DD travel, HM movie, FZ ticketing, TB hotel, citizen center, etc. The account system comprises a user account module used for recording user financial information using the multi-channel combined payment system; the account system also comprises payment channel account modules of all internal payment channel systems, and the payment channel account modules are used for recording financial information of the internal payment channel systems using the multi-channel combined payment system. In addition, the external payment channel system in the channel system 103 is a payment channel other than the payment channel included in the multi-channel combined payment system of the present application, and the external payment channel may not be included in the multi-channel combined payment system of the present application. For example, the external payment channel system may be a bank-type payment channel system, i.e., the transaction payment amount of the user is derived from the bank-type payment channel system outside the multi-channel combined payment system of the present application. Thus, based on the channel system 103 in fig. 4, after the channel system 103 receives the payment instruction, if the payment instruction is for the payment channel inside the multi-channel combined payment system of the present application, the payment instruction is processed through the internal payment channel system; and if the payment instruction aims at the payment channel outside the multi-channel combined payment system, processing the payment instruction through an external payment channel system. The multi-channel combined payment system, the business system thereof, the transaction system and the system architecture of the channel system are only one embodiment provided by the present application, and do not limit the specific implementation of the present application.
Based on this, the present application provides a method flow of multi-channel combined payment, as shown in fig. 5, including:
In the method, the payment channel indicated by the transaction processing request is determined according to the transaction information, and then at least one payment order corresponding to the transaction processing request is determined. Therefore, each payment channel of the interest class or the non-interest class can respectively correspond to one payment order. If the transactions such as transfer, recharge, withdrawal or refund occur; the transaction processing is carried out according to the corresponding payment sheet, so that the accuracy of the transaction processing can be improved; the account checking is carried out according to the payment order, and the corresponding payment order can be obtained in only one data source, so that the transaction processing efficiency is improved, and the resources occupied by the transaction processing are reduced; and refunding according to the payment order can be intelligently and flexibly determined to directly determine the payment channel corresponding to the payment order and complete refunding. Compared with the method and the device for generating only one payment order in the prior art, the combined payment processing efficiency can be improved, and the intelligence and the flexibility of combined payment are improved.
The embodiment of the application provides a method for determining a payment channel, wherein a transaction system determines the payment channel indicated by a transaction processing request according to transaction information in the transaction processing request, and the method comprises the following steps: the transaction type corresponding to the transaction processing request is payment type transaction, and the transaction system determines a payment channel indicated by the transaction processing request according to a payment channel identifier in the transaction information; or the transaction type corresponding to the transaction processing request is a refund type transaction, and the transaction system determines the payment channel indicated by the transaction processing request according to the transaction order number in the transaction information. That is, if the transaction processing request is a transaction processing request of a payment-type transaction, a payment channel identifier may be set in the transaction information included in the transaction processing request, so that the transaction system determines the payment channel indicated by the transaction processing request according to the payment channel identifier obtained through analysis. For example, payment-type transactions may include: transfer accounts, recharge, cash withdrawal, taking the transfer accounts as an example: when a user places an order in an APP, if a payment channel of rights and interests such as a red packet, a full reduction, a coupon and a balance is selected, a transaction processing request comprises a plurality of payment channel identifications such as the red packet, the full reduction, the coupon and the balance selected by the user; and the transaction system acquires the plurality of payment channel identifications in the transaction processing request and determines the corresponding payment channel. If the transaction processing request is a refund type transaction, the transaction processing request can contain a transaction order number of a payment transaction corresponding to the refund transaction, so that the transaction system determines a payment channel indicated by the transaction processing request according to the transaction order number. In the above example, if the user applies for a refund on an order placed in the APP, a transaction processing request including a transaction order number of the order is generated, the transaction system obtains the transaction order number in the transaction processing request, and further obtains a plurality of payment orders corresponding to the transaction order number according to the transaction order number, each payment order corresponds to one payment channel, and the transaction system can determine the corresponding payment channel.
The embodiment of the application provides a method for determining a payment channel, wherein a transaction system determines the payment channel indicated by a transaction processing request according to a transaction order number in transaction information, and the method comprises the following steps: the transaction system determines each payment channel corresponding to each historical payment order under the transaction order number according to the transaction order number in the transaction information; and the transaction system determines the payment channel indicated by the transaction processing request from the payment channels supporting refund according to the refund rule of each payment channel. Based on the system architecture of the transaction system in fig. 3, after receiving the transaction processing request, the transaction system sends the transaction processing request to the corresponding refund transaction processing module interface according to the transaction type; an assembled transaction information unit in the refund transaction processing module assembles transaction information in the transaction processing request, acquires a historical transaction order number and a transaction order number for generating a refund transaction through a generated transaction order unit, acquires each historical payment order corresponding to the transaction order number through a generated payment order unit, respectively sends a refund rule request to a payment channel corresponding to each historical payment order through a refund rule inquiry unit, acquires a refund rule corresponding to each payment channel, further determines each payment channel supporting refund according to the refund rule corresponding to each payment channel, generates a payment order and sends the payment order to a corresponding account system of a channel system and the payment channel to complete refund. In the whole processing process of the transaction system, the risk evaluation unit can perform risk evaluation in any flow step after the transaction information is generated and before payment, and if the transaction risk evaluation determines that the transaction is abnormal, the transaction processing is stopped, otherwise, the rest of the flow is continuously executed. An exception notification message may also be generated back to the user.
The embodiment of the application provides a method for determining a payment channel, which is used for determining the payment channel indicated by a transaction processing request from payment channels supporting refunds, and comprises the following steps: the transaction system determines the refund priority of each payment channel according to the refund weight of each payment channel; the refund weight is preset for each payment channel or determined according to the transaction condition of each payment channel in the historical time period; and the transaction system determines a payment channel meeting the refund amount from payment channels supporting refund as the payment channel indicated by the transaction processing request according to the refund priority of each payment channel.
In a refund scene, generating refund rule query requests according to the historical payment bills respectively, sending the refund rule query requests to corresponding payment channels respectively, and acquiring the refund rules corresponding to the payment channels to obtain the payment channels supporting refund. Three refunds are provided here:
the first method comprises the following steps: and if the refund rules of all the payment channels are not limited and the refund of the user is the total transaction amount of the order, returning the transaction amount of the order in the channels by all the payment channels.
And the second method comprises the following steps: if the refund rules of all the payment channels are not limited and the refund of the user is part of the transaction amount of the order, the refund can be carried out through a water level funnel mode, namely, the refund priority of all the payment channels is determined according to the corresponding transaction conditions in the preset historical time period of all the payment channels. The transaction condition can determine the refund priority of each refund payment channel through the magnitude sequence of the refund weight values obtained in the water level funnel mode.
Water level funnel mode: the refund priority of each refund-enabled payment channel may be determined by the following formula:
wherein E represents a refund weight value; k (success) and K (fail) respectively represent the transaction success number and the transaction failure number of the whole payment channel in a preset historical time period; t represents a refund weighting factor, which is dynamically configured by the developer based on refund data over a preset historical time period. The dynamic configuration of the refund weight value of the payment channel is realized according to the transaction success rate and the refund weight factor in the preset historical time period, and the condition that the refund transaction is concentrated in one payment channel due to the fact that the refund weight value is unchanged can be prevented, so that the transaction processing efficiency is reduced, and the excellent performance of the transaction processing is guaranteed. The refund weight factor t can be determined according to normal distribution of the total proportion of the transaction refund rate and the transaction success rate in a preset historical time period of the payment channel; the refund weight factor t may be obtained by the following formula:
wherein x is the transaction success rate, σ is the transaction refund rate, and t is the refund weight factor.
In addition, when the multi-channel combined payment system is applied at the beginning, namely, the characteristic of 'normal distribution of the total proportion of the transaction refund rate and the transaction success rate' cannot be obtained, at the moment, data are in the early stage of the normal distribution and are close to the positive correlation, the refund weight factor can be set to be 0.5, and a follow-up system can dynamically adjust according to actual transaction data in a preset historical time period. In one example, the refund weight factor can be dynamically adjusted according to parameters such as a transaction success rate, a transaction refund rate ratio and the like, which can be obtained through professional knowledge and experience; if the transaction success rate of the previous day is high, the transaction refund rate is also high, and the transaction success rate and the transaction refund rate ratio are correspondingly lower refund weight factors, the refund weight factor of the next day is configured as the lower refund weight factor, so that the payment and refund ratio is guaranteed to be stable in service, and the phenomenon that a certain payment channel refunds intensively on a certain day is prevented. For example: the previous day has a transaction success rate of ninety percent but a refund rate of fifty percent, and the refund weighting factor at this time may be dynamically adjusted to one-third of the refund weighting factor of the previous day (this value is based on multiple stress tests of the system).
And the third is that: if it is determined that the refund rules of the payment channels are not limited, in a set service scene, the refund weight values of the payment channels (which can be determined by experience of professionals or data analysis) can be preset manually to determine the refund priorities of the payment channels and the refund amounts corresponding to the payment channels.
The embodiment of the application provides a method for determining a payment channel, wherein a transaction system generates a payment order of the payment channel according to transaction information aiming at any payment channel, and the method comprises the following steps: and the transaction system determines the refund amount of each payment channel according to the payment amount in the historical payment bill corresponding to each payment channel and based on the refund priority of each payment channel, so that the payment bill of each payment channel is generated. That is, the refund amount may also be determined according to the refund weight value, for example, if the transaction amount of the user placing the order is 100 yuan; the transaction amount of the payment channel 1 is 60 yuan, the refund weight value is 0.6, the transaction amount of the payment channel 2 is 20 yuan, the refund weight value is 0.5, the transaction amount of the payment channel 3 is 20 yuan, and the refund weight value is 0.4; the refund priority of the payment channel 1 is greater than the refund priority of the payment channel 2 (the refund weight of the payment channel 1 is 0.6 greater than the refund weight of the payment channel 2 is 0.4), and the refund priority of the payment channel 2 is greater than the refund priority of the payment channel 3 (the refund weight of the payment channel 2 is 0.5 greater than the refund weight of the payment channel 3 is 0.4). If the user refund amount is 40 yuan, determining that the payment channel 1 needs refund, determining that the refund amount is 60 × 0.6-36 yuan, and refunding the payment channel for 36 yuan; determining that the payment channel 2 needs to refund, determining that the refund amount is 20 x 0.5-8 yuan, wherein 8 yuan is larger than (40-36 yuan), and the payment channel only needs to refund (40-36 yuan); the payment channel 3 may not be refunded. Therefore, the sharing of the refund business is dynamically adjusted according to the business development of the merchants corresponding to the payment channels. The internal currency, the internal credit or the internal coupon can be selected to be refunded in most scenes, and the refund mode can improve the retention rate and the user viscosity of the user.
The embodiment of the application provides a method for multi-channel combined payment, and after a transaction system receives a transaction processing request sent by a service system, the method further comprises the following steps: the transaction system determines the service order number of the transaction processing request according to the service type in the transaction processing request; the transaction system generates a transaction order number according to the transaction information and the service order number; each transaction order number corresponds to at least one payment order number. As shown in fig. 6, the transaction processing request corresponding to the service type generates a service order number, where the service order number corresponds to multiple transactions within a preset time, that is, transaction order numbers, and each transaction order number may correspond to multiple payment order numbers. For example, the transaction processing request occurs in a preset time period corresponding to the service type, the corresponding transaction order number is 01, and if the transaction information includes: transaction amount-100 yuan, transaction type-transfer, at least one payment channel identification-XX bank, AA red envelope, TD points. The transaction order numbers generated corresponding to the transaction may be: the trade order number-01-001 corresponds to the payment order number 01-001-1 of the payment order generated by the XX bank, the payment order number 01-001-2 of the payment order generated by the AA red envelope, and the payment order number 01-001-3 of the payment order generated by the TD integral.
The embodiment of the application provides a method for multi-channel combined payment, wherein the transaction system processes each payment order through each payment channel corresponding to each payment order, and the method comprises the following steps: aiming at any payment order, the transaction system generates a user account record instruction, a channel payment instruction and a channel account record instruction of the payment order; and the transaction system updates the financial information of the user through the user financial record instruction, indicates a payment channel corresponding to the payment order to complete payment through the channel payment instruction, and updates the financial information of the payment channel through the channel financial record. For example, the user account record command may be transaction information for payment according to the 8-element red envelope of the corresponding payment channel selected by the user in the transaction processing request: in the user account module of the account system of the transaction system as shown in fig. 2, the 8-element of the user's red envelope is deleted; the channel accounting record instruction can delete the 8 yuan of the red packet of the user in a channel account module of the payment channel of an account system of the transaction system according to the transaction information of payment of the 8 yuan of the red packet of the payment channel selected by the user in the transaction processing request; the channel payment instruction may correspond to a 8-tuple of the user's red envelope in the AA red envelope being billed to the merchant. The example is the payment method of the internal payment channel system for the multi-channel combination payment of the channel system; in addition, the user account record instruction, the channel payment instruction and the channel account record instruction can also be sent to a corresponding external payment channel system, the external payment channel system is instructed to update the account information of the user and the channel, and the user is paid for the transaction amount in the external payment channel system.
The embodiment of the application provides a multi-channel combined payment method, which further comprises the following steps: the transaction system monitors the processing of the transaction processing request based on an event-driven finite state machine. That is, in the transaction processing process of the transaction system and the channel system, each transaction is driven in the form of an event and is combined with a finite state machine; and recording the state in the transaction processing process and sending the transaction state information containing the transaction order number to the service system. If the transaction processing is abnormal, the transaction state information received by the service system determines that the transaction state is abnormal, and the transaction processing flow can be restarted by simulating the user, so that the current flow step in the abnormal state is restarted, the transaction success rate can be improved, and the transaction processing can be restarted without the user sensing; if the transaction processing is normal, continuing the processing; if the transaction processing is completed, the transaction state information of the transaction completion state can be sent to the service system, and the service system completes corresponding notification and other processing flows according to the transaction completion state. For example, the merchant may be notified of the shipment, or the user may be notified of the availability of the shipment, etc.; if the transaction processing fails, the transaction state information of the transaction failure state can be sent to the service system, and the service system can inform the merchant of not delivering goods according to the transaction failure state. The finite state machine may monitor the states of the processes of generating a form number for the business system, generating a transaction form number for the transaction system, generating a payment form for the transaction system, executing each payment instruction, and the like in the transaction processing request processing, where a specific monitoring link and a specific monitoring mode are not limited, and may be adjusted according to specific business requirements.
Based on the system architectures of fig. 1, fig. 2, fig. 3, and fig. 4, including the method flow of fig. 5, and the single number association relationship of fig. 6, an embodiment of the present application provides a method flow for processing a payment-type transaction of multi-channel combined payment, as shown in fig. 7, including:
707, the transaction processing module of the type performs wind control evaluation on the transaction information, and if the transaction information wind control evaluation result is abnormal, the transaction processing flow is stopped; if the transaction information is evaluated to be normal, step 708 is executed.
And 709, the transaction processing module sends the payment instruction to a channel system or a corresponding external payment channel system so that the corresponding payment channel completes payment.
And step 710, reporting the processing state of the transaction processing request.
It should be noted that the above flow steps are not exclusive, wherein the wind control evaluation in step 707 may be performed in any flow step after step 705 and before step 709, and the flow may also generate an exception notification message to return to the user. Step 710 may be performed in any one of the above-described overall processes, or before or after.
Based on the system architectures of fig. 1, fig. 2, fig. 3 and fig. 4, including the method flows of fig. 5 and fig. 7, and the single number association relationship of fig. 6, an embodiment of the present application provides a method flow for processing a payment-type transaction of multi-channel combined payment, as shown in fig. 8, including:
And step 804, the refund transaction processing module assembles the transaction information and inquires a historical transaction sheet corresponding to the transaction sheet number for the transaction. And after the transaction information is obtained, performing wind control evaluation according to the transaction information, if the transaction is determined to be an abnormal transaction by the result of the wind control evaluation, stopping processing, and if not, continuing to execute.
And 806, the refund transaction processing module respectively generates refund rule query requests according to the historical payment bills, and respectively sends the refund rule query requests to corresponding payment channels to obtain refund rules corresponding to the payment channels.
And step 807, determining a payment channel supporting refund according to the refund rule corresponding to each payment channel.
And 808, determining the refund priority of each payment channel supporting refund.
And step 809, determining refund payment channels in the payment channels supporting refund and refund amount corresponding to each refund payment channel.
And 810, generating a payment order according to each refund payment channel and the corresponding refund amount.
It should be noted that the above flow steps are not exclusive, and the flow of the wind control evaluation may be executed in any flow step after step 804 and before step 812, and may also generate an exception notification message to return to the user. Step 813 may be performed in any one of the above-described overall flows, or before and after.
Based on the same concept, an embodiment of the present invention provides a device for multi-channel combined payment, and fig. 9 is a schematic diagram of the device for multi-channel combined payment provided by the embodiment of the present application, as shown in fig. 9, including:
a transceiver module 901, configured to receive a transaction processing request sent by a service system;
the processing module 902 is configured to determine, according to the transaction information in the transaction processing request, a payment channel indicated by the transaction processing request;
the processing module 902 is further configured to, for any payment channel, generate a payment order of the payment channel according to the transaction information;
the processing module 902 is further configured to process each payment order through each payment channel corresponding to each payment order to complete the transaction processing request.
Optionally, the processing module 902 is specifically configured to: the transaction type corresponding to the transaction processing request is payment type transaction, and the transaction system determines a payment channel indicated by the transaction processing request according to a payment channel identifier in the transaction information; or the transaction type corresponding to the transaction processing request is a refund type transaction, and the transaction system determines the payment channel indicated by the transaction processing request according to the transaction order number in the transaction information.
Optionally, the processing module 902 is specifically configured to: the transaction system determines each payment channel corresponding to each historical payment order under the transaction order number according to the transaction order number in the transaction information; and the transaction system determines the payment channel indicated by the transaction processing request from the payment channels supporting refund according to the refund rule of each payment channel.
Optionally, the processing module 902 is specifically configured to: the transaction system determines the refund priority of each payment channel according to the refund weight of each payment channel; the refund weight is preset for each payment channel or determined according to the transaction condition of each payment channel in the historical time period; and the transaction system determines a payment channel meeting the refund amount from payment channels supporting refund as the payment channel indicated by the transaction processing request according to the refund priority of each payment channel.
Optionally, the processing module 902 is specifically configured to: and the transaction system determines the refund amount of each payment channel according to the payment amount in the historical payment bill corresponding to each payment channel and based on the refund priority of each payment channel, so that the payment bill of each payment channel is generated.
Optionally, the processing module 902 is further configured to: the transaction system determines the service order number of the transaction processing request according to the service type in the transaction processing request; the transaction system generates a transaction order number according to the transaction information and the service order number; each transaction order number corresponds to at least one payment order number.
Optionally, the processing module 902 is specifically configured to: aiming at any payment order, the transaction system generates a user account record instruction, a channel payment instruction and a channel account record instruction of the payment order; and the transaction system updates the financial information of the user through the user financial record instruction, indicates a payment channel corresponding to the payment order to complete payment through the channel payment instruction, and updates the financial information of the payment channel through the channel financial record.
Optionally, the processing module 902 is further configured to: the transaction system monitors the processing of the transaction processing request based on an event-driven finite state machine.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to the application. 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.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.
Claims (10)
1. A method of multi-channel combined payment, the method comprising:
the transaction system receives a transaction processing request sent by the service system;
the transaction system determines a payment channel indicated by the transaction processing request according to the transaction information in the transaction processing request;
the transaction system generates a payment order of the payment channel according to the transaction information aiming at any payment channel;
and the transaction system processes the payment orders through the payment channels corresponding to the payment orders so as to complete the transaction processing request.
2. The method of claim 1,
the transaction system determines a payment channel indicated by the transaction processing request according to the transaction information in the transaction processing request, and the determination comprises the following steps:
the transaction type corresponding to the transaction processing request is payment type transaction, and the transaction system determines a payment channel indicated by the transaction processing request according to a payment channel identifier in the transaction information; or
And the transaction type corresponding to the transaction processing request is a refund type transaction, and the transaction system determines a payment channel indicated by the transaction processing request according to the transaction order number in the transaction information.
3. The method as recited in claim 2,
the transaction system determines a payment channel indicated by the transaction processing request according to the transaction order number in the transaction information, and the payment channel comprises the following steps:
the transaction system determines each payment channel corresponding to each historical payment order under the transaction order number according to the transaction order number in the transaction information;
and the transaction system determines the payment channel indicated by the transaction processing request from the payment channels supporting refund according to the refund rule of each payment channel.
4. The method of claim 3, wherein determining the payment channel indicated by the transaction processing request from payment channels supporting chargebacks comprises:
the transaction system determines the refund priority of each payment channel according to the refund weight of each payment channel; the refund weight is preset for each payment channel or determined according to the transaction condition of each payment channel in the historical time period;
and the transaction system determines a payment channel meeting the refund amount from payment channels supporting refund as the payment channel indicated by the transaction processing request according to the refund priority of each payment channel.
5. The method as claimed in claim 4, wherein the transaction system generates a payment order of the payment channel according to the transaction information for any payment channel, comprising:
and the transaction system determines the refund amount of each payment channel according to the payment amount in the historical payment bill corresponding to each payment channel and based on the refund priority of each payment channel, so that the payment bill of each payment channel is generated.
6. The method of claims 1 to 5, wherein after the transaction system receives the transaction processing request sent by the service system, further comprising:
the transaction system determines the service order number of the transaction processing request according to the service type in the transaction processing request;
the transaction system generates a transaction order number according to the transaction information and the service order number; each transaction order number corresponds to at least one payment order number.
7. The method of any one of claims 1 to 5, wherein the transaction system processes each payment order through each payment channel corresponding to each payment order, comprising:
aiming at any payment order, the transaction system generates a user account record instruction, a channel payment instruction and a channel account record instruction of the payment order;
and the transaction system updates the financial information of the user through the user financial record instruction, indicates a payment channel corresponding to the payment order to complete payment through the channel payment instruction, and updates the financial information of the payment channel through the channel financial record.
8. The method of any of claims 1 to 5, further comprising:
the transaction system monitors the processing of the transaction processing request based on an event-driven finite state machine.
9. An apparatus for multi-channel combination payments, the apparatus comprising:
the receiving and sending module is used for receiving a transaction processing request sent by the service system;
the processing module is used for determining a payment channel indicated by the transaction processing request according to the transaction information in the transaction processing request;
the processing module is further used for generating a payment order of the payment channel according to the transaction information aiming at any payment channel;
the processing module is further used for processing each payment order through each payment channel corresponding to each payment order so as to complete the transaction processing request.
10. A computer-readable storage medium, characterized in that it stores a program which, when run on a computer, causes the computer to carry out the method of any one of claims 1 to 8.
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