CN114155077A - APP financial platform system and method capable of rapidly refunding money - Google Patents
APP financial platform system and method capable of rapidly refunding money Download PDFInfo
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Abstract
The invention discloses an APP financial platform system capable of refunding rapidly, which comprises an interaction module, a data extraction module, a database module, an audit module and a financial module, wherein a user can submit a refund application to the system on an APP through the interaction module; the data extraction module is used for extracting refund data of the user through the interaction module; the auditing module is used for auditing refund application data of the user in the database module by a background; the refund application is examined and is passed the back, applies for the refund through examining and examining the module and gets into financial module and refund, and financial module integration has a plurality of third party payment platform payment and interface of refunding, and financial staff examines and examines the back that passes, and financial module is through calling refund data and the corresponding third party platform payment and interface of refunding in the database module, and a key refund is to user's account.
Description
Technical Field
The invention relates to a refund process of an APP platform, in particular to an APP financial platform system and method capable of refunding money quickly.
Background
For paid contents such as courses and members purchased by a user through a third-party payment channel on an APP, when the user submits a refund application according to a refund entrance, a user needs to check refund information of the user through a background customer service, a payment order number, a refund account number, an amount and the like are manually input, a refund service is completed on a third-party payment platform, and then the user authority is refunded through the APP background. The problems that refund is repeated and refund, the refund order number is inconsistent with the refund account number, refund permission is not refund and the like can occur in the processing process, so that the refund period of a user is long, the financial affairs are large in workload in the refund processing process of the user, the error rate is high, and time and labor are wasted when data are repeatedly checked.
Accordingly, those skilled in the art are directed to developing an APP financial platform system and method that can implement a fast refund.
Disclosure of Invention
In view of the above-mentioned defects of the prior art, the technical problem to be solved by the present invention is to provide an APP financial platform system and method capable of realizing fast refund.
In order to achieve the purpose, the invention firstly provides an APP financial platform system capable of realizing fast refund, which comprises an interaction module, a data extraction module, a database module, an audit module and a financial module, wherein the interaction module is used for interacting with a client, and the user can submit a refund application to the system on the APP through the interaction module; the data extraction module is used for extracting refund data of the user through the interaction module, and is set to judge whether refund application of the user meets automatic original route refund conditions or not, if the refund application meets the conditions, the data extraction module extracts relevant data and stores the relevant data into the database module, and if the refund application does not meet the conditions, the data extraction module guides the user to fill in a refund collection account through the interaction module; after the user fills in the data, the data extraction module stores the money receiving account filled in by the user into the database module together with other data; the auditing module is used for auditing refund application data of the user in the database module by a background; the refund application is examined and is passed the back, applies for the refund through examining and examining the module and gets into financial module and refund, and financial module integration has a plurality of third party payment platform payment and interface of refunding, and financial staff examines and examines the back that passes, and financial module is through calling refund data and the corresponding third party platform payment and interface of refunding in the database module, and a key refund is to user's account.
Further, the third party payment platform comprises a payment treasure and a WeChat.
Furthermore, the auditing module comprises a customer service auditing submodule and a financial auditing submodule, namely, the customer service audits whether the refund application of the user conforms to the refund policy of the platform in the customer service auditing submodule, if so, the refund application is transferred to the financial auditing submodule, and financial personnel perform financial auditing.
Further, the data extraction module, the auditing module and the financial module feed back the refund flow and the refund result to the user on the APP or in real time through short messages through the interaction module.
Further, after the refund is successful, the APP financial platform system returns the result to the APP service platform and informs the service platform to cancel the corresponding permission of the user.
The invention also provides a method for realizing the rapid refund of the APP financial platform, which comprises the following steps:
(1) a user submits a refund application to the system on the APP through the interactive module;
(2) the data extraction module firstly judges whether the refund application of the user meets the automatic original route refund condition, if so, the data extraction module extracts relevant data and stores the relevant data into the database module, and if not, the data extraction module guides the user to fill in a refund collection account through the interaction module; after the user fills in the data, the data extraction module stores the money receiving account filled in by the user into the database module together with other data;
(3) the auditing module audits refund application data of the user in the database module at the background; after the refund application is approved, the refund application enters the financial module for refund through the refund application of the auditing module;
(4) the financial module is integrated with a plurality of third party platform payment and refund interfaces, and after financial staff passes the audit, the financial module refunds to the user account by calling refund data in the database module and the corresponding third party platform payment and refund interfaces in a one-key mode.
Further, the third party payment platform comprises a payment treasure and a WeChat.
Furthermore, the auditing module comprises a customer service auditing submodule and a financial auditing submodule, namely, the customer service audits whether the refund application of the user conforms to the refund policy of the platform in the customer service auditing submodule, if so, the refund application is transferred to the financial auditing submodule, and financial personnel perform financial auditing.
Further, the data extraction module, the auditing module and the financial module feed back the refund flow and the refund result to the user on the APP or in real time through short messages through the interaction module.
Further, after the refund is successful, the APP financial platform system returns the result to the APP service platform and informs the service platform to cancel the corresponding permission of the user.
According to the invention, the fast refund requirement of the APP platform user is met, the third party payment platform is accessed into the APP background financial system, and the financial system regularly calls the service of the integrated platform through the interface to obtain the data of the user requiring refund. The financial system deposits the data of acquireing in the database of oneself, reaches the user and moves back the authority and the completion of one-stop-type of refund, promotes refund rate of accuracy, promptness, and the automatic work load that reduces financial staff account checking of system moves back, reduces company's human cost, promotes work efficiency. Different refund requirements of users are met: the system can automatically quit WeChat, pay money and account balance in 7 working days of the conventional user; under special conditions, such as exceeding the refund period, third-party apple payment, compliment store payment and the like, the system can automatically unify the path to complete the refund requirement through the payment treasure. The financial system shows the refund progress of the user on the APP in real time, and meanwhile, the system automatically reminds the pushing function to inform the user after the user refunds the authority and refunds, so that the expected experience of the user is improved.
The conception, the specific structure and the technical effects of the present invention will be further described with reference to the accompanying drawings to fully understand the objects, the features and the effects of the present invention.
Drawings
FIG. 1 is a diagram of an APP financial platform system architecture for fast refund in accordance with a preferred embodiment of the present invention;
FIG. 2 is a flow chart of a method for implementing fast refund of APP financial platform in a preferred embodiment of the present invention;
Detailed Description
The technical contents of the preferred embodiments of the present invention will be more clearly and easily understood by referring to the drawings attached to the specification. The present invention may be embodied in many different forms of embodiments and the scope of the invention is not limited to the embodiments set forth herein.
As shown in FIG. 1, the APP financial platform system capable of fast refunding according to the invention comprises an interaction module, a data extraction module, a database module, an audit module and a financial module. The auditing module comprises a customer service auditing submodule and a financial auditing submodule.
See figure 2 below. The interaction module is used for interacting with a customer, and the user can submit a refund application to the system through the interaction module on the APP. The data extraction module is used for extracting refund data of the user through the interaction module, wherein the refund data comprises a user ID, payment content, items, refund amount, refund path and the like which need refund. The data extraction module is set to firstly judge whether the refund application of the user meets the automatic original road refund condition, if so, the data extraction module extracts relevant data and stores the relevant data into the database module; and if the answer is not met, the data extraction module guides the user to fill in the refund payment account through the interaction module. After the user fills in the payment account, the data extraction module stores the payment account filled in by the user into the database module together with other data. The auditing module is used for auditing the refund application of the user in the database by the background. The auditing module generally comprises a customer service auditing submodule and a financial auditing submodule, namely, the customer service audits whether the refund application of the user conforms to the refund policy of the platform, if so, the refund application is transferred to the financial auditing submodule, and financial personnel audits the financial affairs. The refund application through the auditing module enters the financial module for refund, the financial module is integrated with third party payment and refund interfaces such as a payment treasure and a WeChat, and the financial staff can refund to the user account through calling refund data in the database module and the corresponding third party platform payment and refund interface one key after auditing. In the whole refund process, the data extraction module, the auditing module and the financial module can feed back the refund process and the refund result to the user on the APP or in real time through short messages through the interaction module. And when the refund is successful, the financial platform returns the result to the APP service platform, and the service platform cancels the corresponding permission of the user.
The foregoing detailed description of the preferred embodiments of the invention has been presented. It should be understood that numerous modifications and variations could be devised by those skilled in the art in light of the present teachings without departing from the inventive concepts. Therefore, the technical solutions available to those skilled in the art through logic analysis, reasoning and limited experiments based on the prior art according to the concept of the present invention should be within the scope of protection defined by the claims.
Claims (10)
1. An APP financial platform system capable of refunding rapidly is characterized by comprising an interaction module, a data extraction module, a database module, an auditing module and a financial module, wherein the interaction module is used for interacting with a client, and the user can submit a refund application to the system through the interaction module on the APP; the data extraction module is used for extracting refund data of the user through the interaction module, and is set to judge whether refund application of the user meets automatic original route refund conditions or not, if the refund application meets the conditions, the data extraction module extracts relevant data and stores the relevant data into the database module, and if the refund application does not meet the conditions, the data extraction module guides the user to fill in a refund collection account through the interaction module; after the user fills in the data, the data extraction module stores the money receiving account filled in by the user into the database module together with other data; the auditing module is used for auditing refund application data of the user in the database module by a background; the refund application is examined and is passed the back, applies for the refund through examining and examining the module and gets into financial module and refund, and financial module integration has a plurality of third party payment platform payment and interface of refunding, and financial staff examines and examines the back that passes, and financial module is through calling refund data and the corresponding third party platform payment and interface of refunding in the database module, and a key refund is to user's account.
2. The fast refundable APP financial platform system of claim 1 wherein third party payment platform includes a payroll and a WeChat.
3. The APP financial platform system capable of fast refunding of claim 1, wherein the auditing module comprises a customer service auditing sub-module and a financial auditing sub-module, that is, a customer service firstly audits the customer service auditing sub-module to see whether the refund application of the user conforms to the refund policy of the platform, if so, the application is transferred to the financial auditing sub-module, and the financial personnel performs financial auditing.
4. The APP financial platform system capable of fast refund of claim 1, wherein the data extraction module, the auditing module and the financial module feed back refund procedures and results to the user on APP or in real time via short messages through the interaction module.
5. The APP financial platform system capable of fast refund of claim 1, wherein after the refund is successful, the APP financial platform system returns the result to the APP business platform to inform the business platform to cancel the corresponding authority of the user.
6. A method for realizing rapid refund of an APP financial platform is characterized by comprising the following steps:
(1) a user submits a refund application to the system on the APP through the interactive module;
(2) the data extraction module firstly judges whether the refund application of the user meets the automatic original route refund condition, if so, the data extraction module extracts relevant data and stores the relevant data into the database module, and if not, the data extraction module guides the user to fill in a refund collection account through the interaction module; after the user fills in the data, the data extraction module stores the money receiving account filled in by the user into the database module together with other data;
(3) the auditing module audits refund application data of the user in the database module at the background; after the refund application is approved, the refund application enters the financial module for refund through the refund application of the auditing module;
(4) the financial module is integrated with a plurality of third party platform payment and refund interfaces, and after financial staff passes the audit, the financial module refunds to the user account by calling refund data in the database module and the corresponding third party platform payment and refund interfaces in a one-key mode.
7. The method for realizing the rapid refund of the APP financial platform as claimed in claim 6, wherein the third party payment platform comprises Payment treasures and WeChat.
8. The method for realizing rapid refund of the APP financial platform as claimed in claim 6, wherein the auditing module includes a customer service auditing sub-module and a financial auditing sub-module, that is, the customer service firstly audits in the customer service auditing sub-module whether the refund application of the user conforms to the refund policy of the platform, if so, the refund application is transferred to the financial auditing sub-module, and the financial personnel performs the financial auditing.
9. The method for realizing rapid refund of APP financial platform as claimed in claim 6, wherein the data extraction module, the auditing module and the financial module feed back the refund process and result to the user on APP or in real time through short message through the interaction module.
10. The method of claim 6, wherein after the refund is successful, the APP financial platform system returns the result to the APP service platform to notify the service platform to cancel the corresponding permission of the user.
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| CN202111483408.5A CN114155077A (en) | 2021-12-07 | 2021-12-07 | APP financial platform system and method capable of rapidly refunding money |
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| CN202111483408.5A CN114155077A (en) | 2021-12-07 | 2021-12-07 | APP financial platform system and method capable of rapidly refunding money |
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Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107909362A (en) * | 2017-11-30 | 2018-04-13 | 广州唯品会网络技术有限公司 | The processing method and processing device of reimbursement data |
| CN110874745A (en) * | 2018-08-24 | 2020-03-10 | 堆糖信息科技(上海)有限公司 | Bill return management system |
| CN111784292A (en) * | 2020-06-30 | 2020-10-16 | 中国民航信息网络股份有限公司 | Electronic passenger ticket refunding method and device, airline department system and payment system |
| CN112334937A (en) * | 2019-06-04 | 2021-02-05 | 海付移通科技香港有限公司 | Refund method, transaction system, account system and storage medium |
| CN113449023A (en) * | 2020-09-01 | 2021-09-28 | 北京新氧科技有限公司 | Service processing method and device and electronic equipment |
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- 2021-12-07 CN CN202111483408.5A patent/CN114155077A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107909362A (en) * | 2017-11-30 | 2018-04-13 | 广州唯品会网络技术有限公司 | The processing method and processing device of reimbursement data |
| CN110874745A (en) * | 2018-08-24 | 2020-03-10 | 堆糖信息科技(上海)有限公司 | Bill return management system |
| CN112334937A (en) * | 2019-06-04 | 2021-02-05 | 海付移通科技香港有限公司 | Refund method, transaction system, account system and storage medium |
| CN111784292A (en) * | 2020-06-30 | 2020-10-16 | 中国民航信息网络股份有限公司 | Electronic passenger ticket refunding method and device, airline department system and payment system |
| CN113449023A (en) * | 2020-09-01 | 2021-09-28 | 北京新氧科技有限公司 | Service processing method and device and electronic equipment |
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