WO2019196242A1 - Batch file auditing and entrustment payment method and system - Google Patents

Batch file auditing and entrustment payment method and system Download PDF

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Publication number
WO2019196242A1
WO2019196242A1 PCT/CN2018/096467 CN2018096467W WO2019196242A1 WO 2019196242 A1 WO2019196242 A1 WO 2019196242A1 CN 2018096467 W CN2018096467 W CN 2018096467W WO 2019196242 A1 WO2019196242 A1 WO 2019196242A1
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Prior art keywords
batch
file
service
payment
review
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PCT/CN2018/096467
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French (fr)
Chinese (zh)
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刘红彬
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平安科技（深圳）有限公司
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Publication of WO2019196242A1 publication Critical patent/WO2019196242A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • G06Q30/0635—Processing of requisition or of purchase orders

Definitions

  • the present application relates to the field of Internet service technologies, and in particular, to a batch file review and payment method and system.
  • the present application provides a batch file review and payment method and a system for executing the method, which determine the need for batch transfer by judging the batch redemption record. Operation and direct redemption of the file batch redemption operation, and through certain rules, select the records requiring the batch transfer operation and the record of the batch redemption operation directly from the foregoing redeemable records, and manually Review release.
  • the system mainly comprises a general module, an order module and a payment module, wherein the universal module is used for processing basic operations; the order module is used for downloading and parsing files, screening file types and notifying manual review; and the payment module is used for Fund redemption operations.
  • a batch file review and payment method wherein an access file providing audit service accesses a batch file review payment system, and the batch file review payment system processes the The service request of the access side, wherein the batch file audit payment system is connected to the network storage and the database, characterized in that the method comprises the following steps performed by the batch file audit payment system:
  • Step 1 Obtain a batch service file from the access party, save the batch service file to a network storage, obtain a file name of the batch service file, and add the file name to the batch order acceptance table of the database, Waiting to start the delivery task afterwards;
  • Step 2 The task of sending a disk is periodically started, wherein the first batch of service files is downloaded from the network storage according to the file name in the batch order receiving table, and the format of the first batch of service files is verified;
  • Step 3 Form a batch service list according to the service record parsed from the first batch service file, and filter out the illegal service record in the batch service list, thereby generating a second batch service file;
  • Step 4 Perform a batch payment operation according to the second batch service file, and end the method.
  • a batch file auditing payment system for executing the batch file auditing and paying method is further provided, which is characterized in that:
  • a universal module configured to acquire a batch service file from the access party, save the batch service file to the network storage, and further upload the batch service file in response to the call of the order module and the payment module Downloading each batch of service files from the network storage or the network storage; an order module for performing steps 2 and 3 in the foregoing method; and a payment module, configured to perform a single in response to the call of the order module Pay or bulk payment.
  • a computer readable storage medium wherein the computer readable storage medium stores a program for executing a daily payment method based on a fund share redemption payment, the program being processed When the device is executed, perform the following steps:
  • Step 1 Obtain a batch service file from the access party, save the batch service file to a network storage, obtain a file name of the batch service file, and add the file name to the batch order acceptance table of the database, Waiting to start the delivery task afterwards;
  • Step 2 The task of sending a disk is periodically started, wherein the first batch of service files is downloaded from the network storage according to the file name in the batch order receiving table, and the format of the first batch of service files is verified;
  • Step 3 Form a batch service list according to the service record parsed from the first batch service file, and filter out the illegal service record in the batch service list, thereby generating a second batch service file;
  • Step 4 Perform a batch payment operation according to the second batch service file, and end the method.
  • the beneficial effects of the present application are mainly: it is convenient to distinguish the account of the return of funds, so that all links can be controlled, and the transaction is smoothly carried out, the effective utilization of funds is improved, the operation experience and the user experience are improved, and the operation and maintenance are more Efficient and maintainable.
  • FIG. 1 is a schematic diagram of a logical architecture of a batch file auditing payment system according to an embodiment of the present application
  • FIG. 2 is a schematic flow chart of a batch file review and payment method according to an embodiment of the present application
  • FIG. 3 is a schematic structural diagram of a batch file auditing payment system according to an embodiment of the present application.
  • FIG. 4 is a schematic diagram of an operating environment of a system in which an application is installed, according to an embodiment of the present application.
  • the concept of the present application is mainly because, when reviewing bulk business requests, it is necessary to ensure the capital status of the merchants and the flow of funds in the bulk transaction, and it is necessary to improve the accuracy of the audit, while ensuring the effectiveness and security of the capital flow, Conducive to the processing efficiency of concurrent business. Therefore, according to the embodiment of the present application, by judging the records of the batch redemption, the foreclosure records that need to perform the batch transfer operation and the direct batch redemption operation are selected, and through certain rules, from the foregoing In the foreclosure record, the records requiring the batch transfer operation and the records for directly performing the batch redemption operation are screened and manually released for review, thereby ensuring the accuracy of the system split.
  • FIG. 1 is a schematic diagram of a logical architecture of a batch file auditing payment system according to an embodiment of the present application.
  • the batch file auditing payment system mainly includes a general module, an order module, and a payment module.
  • the access party refers to the entity that interacts with the system and conducts transactions (eg, financial transactions) with the user through the system.
  • FIG. 1 is only a schematic diagram of the general logical function of the batch file auditing payment system, which is drawn in combination with the actual business process, wherein the division of each module is not strictly accurate, because the system and The module does not mean hardware implementation, but also involves software-level concepts. There are cross-call relationships between modules. In strict sense, it is not independent work. In fact, it is difficult to map each module to each step in the business process. Therefore, those skilled in the art can understand that FIG. 1 is only used to help understand the concept summary of the present application, and is not intended to limit the scope of the application and the embodiments thereof. The text description shall prevail.
  • the universal module is configured to acquire a batch service file from an access party and save it to a network storage for use in future delivery tasks.
  • the order module is configured to periodically initiate a delivery task, wherein the order module downloads the first batch of business files (eg, multiple first batch business files) from the network storage according to the file name in the batch order acceptance table, and The downloaded first batch of business files is formatted.
  • the order module downloads the first batch of business files (eg, multiple first batch business files) from the network storage according to the file name in the batch order acceptance table, and The downloaded first batch of business files is formatted.
  • the order module is further configured to form a batch service list according to the service records parsed from the downloaded first batch service file, perform cross-check prevention on the batch service list, and filter out the batch service list.
  • the order module is further configured to: according to the business record in the second batch business file, the order module records the business into a single batch and a batch batch of files according to the splitting rule, and submits the batch to the background review. .
  • the order module is further configured to perform a batch transfer operation on a single batch passed by the background audit, and invoke a standard payment interface of the payment module to perform a standard payment operation.
  • the order module is further configured to perform a batch payment operation on the batch batch of documents passed by the background audit, and invoke the batch payment interface of the payment module, and the payment module performs the batch payment operation.
  • the universal module includes:
  • a universal receiving unit for receiving and acquiring data
  • a universal transmission unit for invoking an order module interface and transmitting service data
  • the order module includes:
  • An order download unit for downloading files
  • An order processing unit for parsing files and processing data, recording and saving data for parsing files and processing data, recording and saving data
  • An order transfer unit for invoking a payment module interface to transfer files, requests, and data
  • the payment module includes:
  • a payment receiving unit for receiving and acquiring data
  • An order processing unit for processing data records and saving data, generating payment files, and order return documents
  • a payment transfer unit for invoking a third party payment platform interface and transferring files, requests, and data.
  • various embodiments of the present application can also be implemented by a software module or computer readable instructions stored on one or more computer readable medium, where the computer readable instructions are when When executed, the various embodiments described herein are performed.
  • any combination of software modules, computer readable media, and hardware components are contemplated by the present application.
  • the software modules can be stored on any type of computer readable storage medium such as RAM, EPROM, EEPROM, flash memory, registers, hard disk, CD-ROM, DVD, and the like.
  • a batch file review and payment method is provided, wherein the following system is a main body for executing the method, and mainly includes a general module, an order module, and a payment module,
  • the universal module is for processing basic operations;
  • the order module is for downloading and parsing files, screening file types and notifying manual auditing;
  • the payment module is used for fund redemption operations;
  • the batch file review payment method includes the following steps:
  • Step S100 Obtain a batch service file from an access party, and save the file to a network storage for use in a future delivery task;
  • the period of starting the delivery task may be preset, that is, the interval between each startup task, for example, the interval is one hour.
  • the step S100 includes the following steps:
  • Step S101 The access direction system sends an upload file request, and uploads the batch service file to the system;
  • Step S102 uploading the batch service file to a network storage (NAS), obtaining a file name of the batch service file, and calling an order interface of the order module, and the file name of the batch service file, and the The business record parsed in a batch of business files is sent to the order module;
  • NAS network storage
  • Step S103 The order module stores the file name and the business record in a batch order acceptance table of the database.
  • the order module downloads the first batch of business files (for example, multiple first batch service files) from the network storage according to the file name in the batch order acceptance table, and downloads the file Format verification of the first batch of business files;
  • the first batch of business files for example, multiple first batch service files
  • the format verification of the downloaded batch service file pair includes the following steps:
  • Step S201 determining, according to the format content of the downloaded first batch service file, whether the format of the downloaded file conforms to a preset rule of the system, and if yes, proceeding to the next step, if not, the system reports an error, and End this method. Or, if the rule is not met, the system prompts the access party with "file format error", and deletes the related record (including the file name) of the first batch business file that does not meet the rule from the batch order acceptance table of the database. Then, the process returns to step S100.
  • the preset rules of the system mainly check whether the field position of the file field meets the requirements, such as whether or not some segment characters are included, and the system and the access party agree in advance.
  • Step S300 Form a batch service (for example, fund redemption) list according to the service record parsed from the downloaded first batch service file, and perform cross-check prevention on the batch service list, and filter out the Illegal records in the bulk business list (as redeemable records) and form a second batch of business documents;
  • a batch service for example, fund redemption
  • the first and second batch service files are redemption files
  • the cross-anti-re-checking, filtering the illegal redemption record in the fund redemption list specifically includes the following steps. :
  • the query is mainly based on the transaction flow, whether the redemption request needs to be processed, and whether the information is incorrect. If the information is wrong, the record is also filtered out.
  • the step S300 may further include performing a batch service judgment process, specifically including the following steps:
  • Step S301 Query the audit rule corresponding to the service record according to the service record parsed from the second batch service file, determine whether the batch service needs to perform background audit, and if necessary, go to step S400; Go to step S302;
  • the access party is an access party that signs a contract with the system and relies on the system to purchase the fund. If yes, a background audit is required, and the system needs to perform subsequent online operations to obtain information such as transaction flow. If not, there is no need for background review, and the system only needs to follow the request of the access party to carry out the batch redemption process.
  • Step S302 Upload the second batch service file to a network storage, and obtain a file name.
  • step S303 the payment module bulk payment file interface is invoked, and the file name and the like are sent to the payment module, and the process goes to step S700.
  • Step S400 According to the business record in the second batch service file, the order module splits the business record into a single batch and a batch batch of files according to the splitting rule, and submits the batch to the background for review;
  • the background audit can be an audit performed by a background manager.
  • the business record is a redeemable record
  • the splitting can be implemented as follows.
  • the system determines, according to the rules agreed with the accessing party, whether the redeemable record should be followed by a single redemption or a batch of documents;
  • the system may perform splitting by using a time policy node, that is, setting a split time, and determining the fund purchase time by using the split time;
  • the system can split by a certain amount, that is, set the split amount, and judge the redemption amount of the fund by the split amount;
  • the system may also split the redeemable record according to the agreement between the accessing party and the customer, if the customer chooses to make a single redemption, if not successful, check whether the customer opens an account, if the customer does not open an account , then convert to a batch of documents redemption, if the customer can open the account, a single redemption.
  • the system needs to identify the redeemable record to distinguish the redemption mode, and notify the payment module, the file save address, the file name and the channel number.
  • the channel number is identified when the method is initiated by the accessing party, and the channel number is different according to different parties and different transactions corresponding to the accessing party.
  • Step S500 for the single batch passed by the background audit, go to step S600; for the batch batch of documents passed in the background review, go to step S700;
  • the record is set to be abnormal, so that the manual continues to perform the detailed review (S450), and the method ends;
  • Step S600 performing a batch transfer operation on the single batch, and ending the method
  • the batch forwarding operation specifically includes the following steps:
  • the selected single batches are sequentially operated in a queue manner, and the standard payment interface of the payment module is sequentially invoked to perform a standard payment operation.
  • Step S700 Perform a batch payment operation of the batch batch of the file, and end the method.
  • step S700 the batch batch of documents passed through the background review may be formed into a third batch service file and uploaded to the network storage, and then the system calls the batch payment interface of the payment module, and the third batch is The related information (file name, etc.) of the service file is transmitted to the payment module, and the payment module can download the third batch service file from the network storage, perform a batch payment operation, and receive the payment result information fed back by the payment module, and then end the method. .
  • the payment module supports an idempotent operation, that is, the payment module receives the file notification sent by the order module, and the payment module notifies the order module that the call is successful, but after the order module performs multiple calls.
  • the payment module itself does not repeat the process.
  • FIG. 4 an operating environment of a system in which an application is installed according to an embodiment of the present application is illustrated.
  • the system for installing the application is installed and runs in the electronic device.
  • the electronic device may be a computing device such as a desktop computer, a notebook, a palmtop computer, or a server.
  • the electronic device can include, but is not limited to, a memory, a processor, and a display.
  • Figure 4 shows only the electronic device with the above components, but it should be understood that not all illustrated components may be implemented, and more or fewer components may be implemented instead.
  • the memory may be an internal storage unit of the electronic device, such as a hard disk or memory of the electronic device, in some embodiments.
  • the memory may also be an external storage device of the electronic device in other embodiments, such as a plug-in hard disk equipped on the electronic device, a smart memory card (SMC), and a secure digital (Secure Digital) , SD) card, flash card (Flash Card), etc.
  • the memory may also include both an internal storage unit of the electronic device and an external storage device.
  • the memory is used to store application software installed on the electronic device and various types of data, such as program code of the system in which the application is installed.
  • the memory can also be used to temporarily store data that has been output or is about to be output.
  • the processor may, in some embodiments, be a central processing unit (CPU), a microprocessor, or other data processing chip for executing program code or processing data stored in the memory, such as performing the Install the application's system, etc.
  • CPU central processing unit
  • microprocessor microprocessor
  • other data processing chip for executing program code or processing data stored in the memory, such as performing the Install the application's system, etc.
  • the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch sensor, or the like in some embodiments.
  • the display is for displaying information processed in the electronic device and a client interface for displaying visualizations, such as an application menu interface, an application icon interface, and the like.
  • the components of the electronic device communicate with one another via a system bus.
  • the method in the foregoing embodiment can be implemented by means of software plus a necessary general hardware platform, and can also be implemented by hardware, but in many cases.
  • the former is a better implementation.
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present application.
  • a computer readable storage medium having stored thereon a program for executing a daily payment method based on a fund share redemption payment, When the program is executed by the processor, the steps of the daily payment method according to an embodiment of the present application are performed.

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Abstract

The present application relates to a batch file auditing and entrustment payment method and system, the method comprising: step 1, acquiring batch service files from an access party and storing into a network memory, acquiring a file name, adding the file name into a batch order acceptance form of a database, and then waiting to start a delivery task; step 2, regularly starting the delivery task: according to the file name in the batch order acceptance form, downloading a first batch of service files from the network memory, and performing format verification to the first batch of service files; step 3, according to a service record parsed from the first batch of service files, forming a batch service list, filtering an illegal service record in the batch service list, and thereby generating a second batch of service files; and step 4, according to the second batch of service files, performing a batch payment operation, and ending the method. The present application can ensure the smooth progress of a transaction, improve fund effective utilization, and improve operation efficiency and user experience.

Description

批量文件审核代付方法和***Batch file review payment method and system
本申请申明享有2018年4月10日递交的申请号为201810317489.3、名称为“批量文件审核代付方法和***”的中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。The present application claims the priority of the Chinese patent application filed on Apr. 10, 2018, the application number of which is incorporated herein by reference. In this application.
技术领域Technical field
本申请涉及互联网服务技术领域，尤其涉及一种批量文件审核代付方法和***。The present application relates to the field of Internet service technologies, and in particular, to a batch file review and payment method and system.
背景技术Background technique
随着互联网领域的蓬勃发展，各类资金产品以及各类支付渠道日益增多，使得现今商品交易的流程设置已经逐渐跟不上资金产品以及支付渠道的快速发展。特别是当商城平台发起批量请求时，往往需要跟踪商户内资金的情况以及本次批量交易的资金流向、所涉及到的产品以及支付通道，以保证资金的有效利用。但是，由于整个交易流程较为复杂，一旦***在初期配置上有所失误，运维人员后期往往很难发现问题。With the rapid development of the Internet field, various types of capital products and various types of payment channels are increasing, making the current process of commodity trading process gradually unable to keep up with the rapid development of capital products and payment channels. Especially when the mall platform initiates a batch request, it is often necessary to track the situation of the merchant's funds and the flow of funds in this batch transaction, the products involved and the payment channel to ensure the effective use of funds. However, due to the complexity of the entire transaction process, once the system is mistaken in the initial configuration, it is often difficult to identify problems in the later stages of operation and maintenance.
在复杂的业务场景下，业务方运营人员需要跟进商户以便进行资金管理,由此保证业务批量顺序自动执行的成功率。各级人员关注商户资金、产品、通道的维度往往不一样。各级人员在查看资金分布、产品类别、通道归属等信息后，对入账资金手动分批放行。由于政策或用户协议变更，会导致同一产品同一文件走不同的通道，具有不同的交互形式(如联机或文件)，回到不通的资金账户，因此，存在开发一种新方法的需求，使得运维人员能直观地查看上述流转程序的演进，并进行批量文件审核等必要操作。In a complex business scenario, the operator of the business side needs to follow up the merchant for fund management, thereby ensuring the success rate of the automatic execution of the batch sequence. The dimensions of merchants' attention to merchant funds, products, and channels are often different. After reviewing the information such as fund distribution, product category, and channel attribution, personnel at all levels manually release the funds into batches. Due to changes in policies or user agreements, the same product will go through different channels of the same file, have different forms of interaction (such as online or files), and return to the unreasonable fund account. Therefore, there is a need to develop a new method to make the operation The personnel can visually view the evolution of the above-mentioned flow program and perform necessary operations such as batch file review.
发明内容Summary of the invention
考虑到现有技术中的上述情况，本申请提供了一种批量文件审核代付方法和执行所述方法的***，所述方法通过对批量赎回的记录进行判断，筛选出需要进行批转联操作以及直接进行文件批量赎回操作的可赎记录，并通过 一定的规则，从前述可赎记录中筛选出需要批转联操作的记录以及直接进行文件批量赎回操作的记录，并通过人工进行审核放行。所述***主要包括通用模块、订单模块以及支付模块，所述通用模块用于处理基本操作；所述订单模块用于下载并解析文件，筛查文件类型并通知人工审核；所述支付模块用于基金赎回操作。In view of the above situation in the prior art, the present application provides a batch file review and payment method and a system for executing the method, which determine the need for batch transfer by judging the batch redemption record. Operation and direct redemption of the file batch redemption operation, and through certain rules, select the records requiring the batch transfer operation and the record of the batch redemption operation directly from the foregoing redeemable records, and manually Review release. The system mainly comprises a general module, an order module and a payment module, wherein the universal module is used for processing basic operations; the order module is used for downloading and parsing files, screening file types and notifying manual review; and the payment module is used for Fund redemption operations.
根据本申请的实施例，提供了一种批量文件审核代付方法，其中，由提供交易业务的接入方接入批量文件审核代付***，并由所述批量文件审核代付***处理所述接入方的业务请求，其中，所述批量文件审核代付***连接到网络存储器和数据库，其特征在于，所述方法包括由所述批量文件审核代付***进行的以下步骤：According to an embodiment of the present application, there is provided a batch file review and payment method, wherein an access file providing audit service accesses a batch file review payment system, and the batch file review payment system processes the The service request of the access side, wherein the batch file audit payment system is connected to the network storage and the database, characterized in that the method comprises the following steps performed by the batch file audit payment system:
步骤1、从所述接入方获取批量业务文件，并将批量业务文件保存到网络存储器中，获得批量业务文件的文件名，将所述文件名加入到所述数据库的批量订单受理表中，之后等待启动送盘任务；Step 1: Obtain a batch service file from the access party, save the batch service file to a network storage, obtain a file name of the batch service file, and add the file name to the batch order acceptance table of the database, Waiting to start the delivery task afterwards;
步骤2、定期启动送盘任务，其中，根据所述批量订单受理表中的文件名，从网络存储器中下载第一批量业务文件，并对所述第一批量业务文件进行格式校验；Step 2: The task of sending a disk is periodically started, wherein the first batch of service files is downloaded from the network storage according to the file name in the batch order receiving table, and the format of the first batch of service files is verified;
步骤3、根据从所述第一批量业务文件中解析出的业务记录，形成批量业务列表，并过滤掉所述批量业务列表中的非法业务记录，由此生成第二批量业务文件；Step 3: Form a batch service list according to the service record parsed from the first batch service file, and filter out the illegal service record in the batch service list, thereby generating a second batch service file;
步骤4、根据所述第二批量业务文件，进行批量支付操作，并结束本方法。Step 4: Perform a batch payment operation according to the second batch service file, and end the method.
根据本申请的实施例，还提供了一种用于执行所述批量文件审核代付方法的批量文件审核代付***，其特征在于包括：According to an embodiment of the present application, a batch file auditing payment system for executing the batch file auditing and paying method is further provided, which is characterized in that:
通用模块，用于从所述接入方获取批量业务文件，并将批量业务文件保存到所述网络存储器中，并且，还用于响应于订单模块和支付模块的调用，将各个批量业务文件上传到所述网络存储器、或所述网络存储器从下载各个批量业务文件；订单模块，用于执行前述方法中的步骤2和步骤3；支付模块，用于响应于所述订单模块的调用，进行单笔支付或批量支付。a universal module, configured to acquire a batch service file from the access party, save the batch service file to the network storage, and further upload the batch service file in response to the call of the order module and the payment module Downloading each batch of service files from the network storage or the network storage; an order module for performing steps 2 and 3 in the foregoing method; and a payment module, configured to perform a single in response to the call of the order module Pay or bulk payment.
根据本申请的实施例，还提供了一种计算机可读存储介质，其中，所述计算机可读存储介质上存储有用于执行基于基金份额赎转付的日常缴费方 法的程序，所述程序被处理器执行时，执行以下步骤的操作：According to an embodiment of the present application, there is also provided a computer readable storage medium, wherein the computer readable storage medium stores a program for executing a daily payment method based on a fund share redemption payment, the program being processed When the device is executed, perform the following steps:
步骤1、从所述接入方获取批量业务文件，并将批量业务文件保存到网络存储器中，获得批量业务文件的文件名，将所述文件名加入到所述数据库的批量订单受理表中，之后等待启动送盘任务；Step 1: Obtain a batch service file from the access party, save the batch service file to a network storage, obtain a file name of the batch service file, and add the file name to the batch order acceptance table of the database, Waiting to start the delivery task afterwards;
步骤2、定期启动送盘任务，其中，根据所述批量订单受理表中的文件名，从网络存储器中下载第一批量业务文件，并对所述第一批量业务文件进行格式校验；Step 2: The task of sending a disk is periodically started, wherein the first batch of service files is downloaded from the network storage according to the file name in the batch order receiving table, and the format of the first batch of service files is verified;
步骤3、根据从所述第一批量业务文件中解析出的业务记录，形成批量业务列表，并过滤掉所述批量业务列表中的非法业务记录，由此生成第二批量业务文件；Step 3: Form a batch service list according to the service record parsed from the first batch service file, and filter out the illegal service record in the batch service list, thereby generating a second batch service file;
步骤4、根据所述第二批量业务文件，进行批量支付操作，并结束本方法。Step 4: Perform a batch payment operation according to the second batch service file, and end the method.
本申请的有益效果主要在于：能够方便区分资金回流的账户，使各个环节都可以控制，并保证交易的顺利进行，提高资金的有效利用率，提升运营体验和用户体验，对于运维来说更加高效、可维护性强。The beneficial effects of the present application are mainly: it is convenient to distinguish the account of the return of funds, so that all links can be controlled, and the transaction is smoothly carried out, the effective utilization of funds is improved, the operation experience and the user experience are improved, and the operation and maintenance are more Efficient and maintainable.
附图说明DRAWINGS
图1为根据本申请的实施例的一种批量文件审核代付***的逻辑架构示意图；1 is a schematic diagram of a logical architecture of a batch file auditing payment system according to an embodiment of the present application;
图2为根据本申请的实施例的一种批量文件审核代付方法的流程示意图；2 is a schematic flow chart of a batch file review and payment method according to an embodiment of the present application;
图3为根据本申请的实施例的一种批量文件审核代付***的架构示意图；3 is a schematic structural diagram of a batch file auditing payment system according to an embodiment of the present application;
图4为根据本申请实施例的安装了应用程序的***的运行环境的示意图。4 is a schematic diagram of an operating environment of a system in which an application is installed, according to an embodiment of the present application.
具体实施方式detailed description
下面，结合附图对技术方案的实施作进一步的详细描述。The implementation of the technical solution will be further described in detail below with reference to the accompanying drawings.
本领域的技术人员能够理解，尽管以下的说明涉及到有关本申请的实施例的很多技术细节，但这仅为用来说明本申请的原理的示例、而不意味着任 何限制。本申请能够适用于不同于以下例举的技术细节之外的场合，只要它们不背离本申请的原理和精神即可。It is to be understood by those skilled in the art that the following descriptions of the present invention are intended to be illustrative of the principles of the application and are not intended to be limiting. The present application can be applied to other than the technical details exemplified below, as long as they do not depart from the principles and spirit of the present application.
另外，为了避免使本说明书的描述限于冗繁，在本说明书中的描述中，可能对可在现有技术资料中获得的部分技术细节进行了省略、简化、变通等处理，这对于本领域的技术人员来说是可以理解的，并且这不会影响本说明书的公开充分性。In addition, in order to avoid limitation of the description of the present specification to the simplifications, in the description in the specification, some technical details that can be obtained in the prior art materials may be omitted, simplified, modified, etc., which is a technique in the art. It is understandable to the person and this does not affect the disclosure adequacy of this specification.
下文中，将描述用于进行本申请的实施例。注意，将以下面的次序给出描述：1、发明构思的概要；2、一种批量文件审核代付***(图1)；3、一种批量文件审核代付方法(图2至3)；6、根据本申请的实施例的安装了应用程序的***、以及存储所述应用程序的计算机可读介质(图4)。Hereinafter, embodiments for carrying out the present application will be described. Note that the description will be given in the following order: 1. Outline of the inventive concept; 2. A batch file review payment system (Fig. 1); 3. A batch file review payment method (Figs. 2 to 3); 6. A system on which an application is installed, and a computer readable medium storing the application (Fig. 4) in accordance with an embodiment of the present application.
1、发明构思的概要1. Summary of the inventive concept
本申请的构思主要在于，由于在审核批量业务请求时，需要保证商户内资金状况以及本次批量交易的资金流向，需要提高审核的准确性，在确保资金流转的有效性和安全性的同时，有利于并发业务的处理效率。由此，根据本申请的实施例，通过对批量赎回的记录进行判断，筛选出需要进行批转联操作以及直接进行文件批量赎回操作的可赎记录，并通过一定的规则，从前述可赎记录中筛选出需要批转联操作的记录以及直接进行文件批量赎回操作的记录，并通过人工进行审核放行，由此能够确保***拆分的准确性。The concept of the present application is mainly because, when reviewing bulk business requests, it is necessary to ensure the capital status of the merchants and the flow of funds in the bulk transaction, and it is necessary to improve the accuracy of the audit, while ensuring the effectiveness and security of the capital flow, Conducive to the processing efficiency of concurrent business. Therefore, according to the embodiment of the present application, by judging the records of the batch redemption, the foreclosure records that need to perform the batch transfer operation and the direct batch redemption operation are selected, and through certain rules, from the foregoing In the foreclosure record, the records requiring the batch transfer operation and the records for directly performing the batch redemption operation are screened and manually released for review, thereby ensuring the accuracy of the system split.
2、批量文件审核代付***2, batch file review payment system
图1为根据本申请的实施例的一种批量文件审核代付***的逻辑架构示意图。如图1所示，所述批量文件审核代付***主要包括通用模块、订单模块以及支付模块。其中，接入方是指与***进行交互并通过***与用户进行交易(例如，金融交易)的主体。FIG. 1 is a schematic diagram of a logical architecture of a batch file auditing payment system according to an embodiment of the present application. As shown in FIG. 1 , the batch file auditing payment system mainly includes a general module, an order module, and a payment module. The access party refers to the entity that interacts with the system and conducts transactions (eg, financial transactions) with the user through the system.
需要说明的是，图1仅为批量文件审核代付***的一般性逻辑功能的示意图，其结合了实际业务流程而绘制，其中，各个模块的划分并不严格精确，这是因为所述***及模块不意味着硬件实现，也可涉及软件层面的概念，各个模块之间存在交叉调用关系，严格意义上并非独立工作，实际上也难以将各个模块与业务流程中的各个步骤一一对应。因此，本领域的技术人员完全可以理解，图1仅用来帮助理解本申请的构思概要，而非用于限制本申请及 其实施例的范围，本申请的实施例的具体技术方案以说明书的文字描述为准。It should be noted that FIG. 1 is only a schematic diagram of the general logical function of the batch file auditing payment system, which is drawn in combination with the actual business process, wherein the division of each module is not strictly accurate, because the system and The module does not mean hardware implementation, but also involves software-level concepts. There are cross-call relationships between modules. In strict sense, it is not independent work. In fact, it is difficult to map each module to each step in the business process. Therefore, those skilled in the art can understand that FIG. 1 is only used to help understand the concept summary of the present application, and is not intended to limit the scope of the application and the embodiments thereof. The text description shall prevail.
其中，所述通用模块用于从接入方获取批量业务文件，并保存到网络存储器中，以便用于将来的送盘任务。The universal module is configured to acquire a batch service file from an access party and save it to a network storage for use in future delivery tasks.
所述订单模块用于定期启动送盘任务，其中，订单模块根据批量订单受理表中的文件名，从网络存储器中下载第一批量业务文件(例如有多个第一批量业务文件)，并对所下载的第一批量业务文件进行格式校验。The order module is configured to periodically initiate a delivery task, wherein the order module downloads the first batch of business files (eg, multiple first batch business files) from the network storage according to the file name in the batch order acceptance table, and The downloaded first batch of business files is formatted.
所述订单模块还用于根据从所下载的第一批量业务文件中解析出的业务记录，形成批量业务列表，并对所述批量业务列表进行交叉防重校验，过滤掉所述批量业务列表中的非法记录(作为可赎记录)，并形成第二批量业务文件。The order module is further configured to form a batch service list according to the service records parsed from the downloaded first batch service file, perform cross-check prevention on the batch service list, and filter out the batch service list. Illegal records in (as redeemable records) and form a second batch of business documents.
所述订单模块还用于根据所述第二批量业务文件中的业务记录，订单模块根据拆分规则将所述业务记录为拆分为单笔批次以及文件批量批次，并交由后台审核。The order module is further configured to: according to the business record in the second batch business file, the order module records the business into a single batch and a batch batch of files according to the splitting rule, and submits the batch to the background review. .
所述订单模块还用于对后台审核通过的单笔批次执行批转联操作，并调用所述支付模块的标准代付接口，执行标准代付操作。The order module is further configured to perform a batch transfer operation on a single batch passed by the background audit, and invoke a standard payment interface of the payment module to perform a standard payment operation.
所述订单模块还用于对后台审核通过的文件批量批次执行批量支付操作，并调用所述支付模块的批量代付接口，由所述支付模块执行批量代付操作。The order module is further configured to perform a batch payment operation on the batch batch of documents passed by the background audit, and invoke the batch payment interface of the payment module, and the payment module performs the batch payment operation.
作为示例，所述通用模块包括：As an example, the universal module includes:
用于接收和获取数据的通用接收单元；a universal receiving unit for receiving and acquiring data;
用于上传文件的通用上传单元；a universal upload unit for uploading files;
用于处理并执行程序的通用处理单元；a general purpose processing unit for processing and executing programs;
用于调用订单模块接口并传送业务数据的通用传输单元；a universal transmission unit for invoking an order module interface and transmitting service data;
作为示例，所述订单模块包括：As an example, the order module includes:
用于下载文件的订单下载单元；An order download unit for downloading files;
用于上传文件的订单上传单元；An order upload unit for uploading files;
用于接收和获取数据的订单接收单元；An order receiving unit for receiving and acquiring data;
用于解析文件并处理数据，记录并保存数据的订单处理单元；An order processing unit for parsing files and processing data, recording and saving data;
用于调用支付模块接口，传送文件、请求以及数据的订单传输单元；An order transfer unit for invoking a payment module interface to transfer files, requests, and data;
作为示例，所述支付模块包括：As an example, the payment module includes:
用于下载文件的支付下载单元；a payment download unit for downloading files;
用于接收和获取数据的支付接收单元；a payment receiving unit for receiving and acquiring data;
用于上传文件的支付上传单元；a payment uploading unit for uploading files;
用于处理数据记录并保存数据、生成支付文件以及订单回盘文件的订单处理单元；An order processing unit for processing data records and saving data, generating payment files, and order return documents;
用于调用第三方支付平台接口以及传送文件、请求以及数据的支付传输单元。A payment transfer unit for invoking a third party payment platform interface and transferring files, requests, and data.
此外，本申请的不同实施例也可以通过软件模块或存储在一个或多个计算机可读介质上的计算机可读指令的方式实现，其中，所述计算机可读指令是当被处理器或设备组件执行时，执行本申请所述的不同的实施例。类似地，软件模块、计算机可读介质和硬件部件的任意组合都是本申请预期的。所述软件模块可以被存储在任意类型的计算机可读存储介质上，例如RAM、EPROM、EEPROM、闪存、寄存器、硬盘、CD-ROM、DVD等等。Furthermore, various embodiments of the present application can also be implemented by a software module or computer readable instructions stored on one or more computer readable medium, where the computer readable instructions are when When executed, the various embodiments described herein are performed. Similarly, any combination of software modules, computer readable media, and hardware components are contemplated by the present application. The software modules can be stored on any type of computer readable storage medium such as RAM, EPROM, EEPROM, flash memory, registers, hard disk, CD-ROM, DVD, and the like.
3、批量文件审核代付方法3, batch file review and payment method
根据本申请的实施例，如图1所示，提供了一种批量文件审核代付方法，其中，下述***是执行所述方法的主体，主要包括通用模块、订单模块以及支付模块，所述通用模块用于处理基本操作；所述订单模块用于下载并解析文件，筛查文件类型并通知人工审核；所述支付模块用于基金赎回操作；According to an embodiment of the present application, as shown in FIG. 1, a batch file review and payment method is provided, wherein the following system is a main body for executing the method, and mainly includes a general module, an order module, and a payment module, The universal module is for processing basic operations; the order module is for downloading and parsing files, screening file types and notifying manual auditing; and the payment module is used for fund redemption operations;
具体地，所述批量文件审核代付方法包括以下步骤：Specifically, the batch file review payment method includes the following steps:
步骤S100、从接入方获取批量业务文件，并保存到网络存储器中，以便用于将来的送盘任务；Step S100: Obtain a batch service file from an access party, and save the file to a network storage for use in a future delivery task;
其中，可预先设置开始送盘任务的周期，即，每次启动任务之间的间隔时间，例如，间隔时间为一个小时。The period of starting the delivery task may be preset, that is, the interval between each startup task, for example, the interval is one hour.
作为示例，所述步骤S100包括如下步骤：As an example, the step S100 includes the following steps:
步骤S101、接入方向***发送上传文件请求，并将批量业务文件上传给***；Step S101: The access direction system sends an upload file request, and uploads the batch service file to the system;
步骤S102、将所述批量业务文件上传到网络存储器(NAS)，获得所述批量业务文件的文件名，并调用订单模块的订单接口，将所述批量业务文件的 文件名、以及从所述第一批量业务文件中解析出的业务记录发送给订单模块；Step S102, uploading the batch service file to a network storage (NAS), obtaining a file name of the batch service file, and calling an order interface of the order module, and the file name of the batch service file, and the The business record parsed in a batch of business files is sent to the order module;
步骤S103、所述订单模块将所述文件名和所述业务记录存入数据库的批量订单受理表中。Step S103: The order module stores the file name and the business record in a batch order acceptance table of the database.
S200、定期启动送盘任务，其中，订单模块根据所述批量订单受理表中的文件名，从网络存储器中下载第一批量业务文件(例如有多个第一批量业务文件)，并对所下载的第一批量业务文件进行格式校验；S200, periodically starting a delivery task, wherein the order module downloads the first batch of business files (for example, multiple first batch service files) from the network storage according to the file name in the batch order acceptance table, and downloads the file Format verification of the first batch of business files;
其中，对所下载的批量业务文件对进行格式校验具体包括如下步骤：The format verification of the downloaded batch service file pair includes the following steps:
步骤S201、根据所下载的第一批量业务文件的格式内容，判断所述下载文件的格式是否符合***所预先设定的规则，若符合，则继续下一步，若不符合，则***报错，并结束本方法。或者，如果不符合所述规则，***向接入方提示“文件格式错误”，并从数据库的批量订单受理表中删除不符合所述规则的第一批量业务文件的相关记录(包括文件名)，之后返回到步骤S100。Step S201: determining, according to the format content of the downloaded first batch service file, whether the format of the downloaded file conforms to a preset rule of the system, and if yes, proceeding to the next step, if not, the system reports an error, and End this method. Or, if the rule is not met, the system prompts the access party with "file format error", and deletes the related record (including the file name) of the first batch business file that does not meet the rule from the batch order acceptance table of the database. Then, the process returns to step S100.
所述***所预先设定的规则，主要为查看文件字段的段位符是否符合要求，如是否包含某些段位符等，具体由***与接入方事先约定。The preset rules of the system mainly check whether the field position of the file field meets the requirements, such as whether or not some segment characters are included, and the system and the access party agree in advance.
步骤S300、根据从所下载的第一批量业务文件中解析出的业务记录，形成批量业务(例如，基金赎回)列表，并对所述批量业务列表进行交叉防重校验，过滤掉所述批量业务列表中的非法记录(作为可赎记录)，并形成第二批量业务文件；Step S300: Form a batch service (for example, fund redemption) list according to the service record parsed from the downloaded first batch service file, and perform cross-check prevention on the batch service list, and filter out the Illegal records in the bulk business list (as redeemable records) and form a second batch of business documents;
其中，以基金赎回业务为例，所述第一和第二批量业务文件是赎回文件，所述交叉防重校验，过滤所述基金赎回列表中的非法赎回记录具体包括如下步骤：For example, in the fund redemption service, the first and second batch service files are redemption files, and the cross-anti-re-checking, filtering the illegal redemption record in the fund redemption list specifically includes the following steps. :
逐一扫描所述赎回文件中的所有赎回记录，根据记录信息，查询交易记录，将所有已经进行赎回的记录以及信息错误的记录作为非法赎回记录进行过滤，筛选出可以进行赎回的记录，生成新的赎回文件。Scan all the redemption records in the redemption file one by one, query the transaction records according to the record information, filter all the records that have been redeemed and the records of the information errors as illegal redemption records, and filter out the redemption records. Record and generate a new redemption file.
具体而言，主要根据交易流水进行查询，查询该笔赎回请求是否需已经处理，另外还需要核对信息是否错误，如果信息错误，则该记录亦会被过滤掉。Specifically, the query is mainly based on the transaction flow, whether the redemption request needs to be processed, and whether the information is incorrect. If the information is wrong, the record is also filtered out.
其中，步骤S300还可包括进行批量业务判断过程，具体包括如下步骤：The step S300 may further include performing a batch service judgment process, specifically including the following steps:
步骤S301、根据从所述第二批量业务文件中解析的业务记录，查询所述业务记录对应的审核规则，判断所述批量业务是否需要进行后台审核，若需要，则转到步骤S400；否则转到步骤S302；Step S301: Query the audit rule corresponding to the service record according to the service record parsed from the second batch service file, determine whether the batch service needs to perform background audit, and if necessary, go to step S400; Go to step S302;
具体地，以基金赎回业务为例，查询接入方是否为与***签约并依托***进行基金申购的接入方，若是，则需要进行后台审核，需要***进行后续联机操作获取交易流水等信息；若不是，则无需进行后台审核，***只需按照接入方的要求进行后续文件批量赎回流程即可。Specifically, taking the fund redemption service as an example, it is queried whether the access party is an access party that signs a contract with the system and relies on the system to purchase the fund. If yes, a background audit is required, and the system needs to perform subsequent online operations to obtain information such as transaction flow. If not, there is no need for background review, and the system only needs to follow the request of the access party to carry out the batch redemption process.
步骤S302、将所述第二批量业务文件上传到网络存储器，并获得文件名；Step S302: Upload the second batch service file to a network storage, and obtain a file name.
步骤S303、调用支付模块批量支付文件接口，将所述文件名等信息发送给支付模块，并转到步骤S700。In step S303, the payment module bulk payment file interface is invoked, and the file name and the like are sent to the payment module, and the process goes to step S700.
步骤S400、根据所述第二批量业务文件中的业务记录，订单模块根据拆分规则将所述业务记录拆分为单笔批次以及文件批量批次，并交由后台审核；Step S400: According to the business record in the second batch service file, the order module splits the business record into a single batch and a batch batch of files according to the splitting rule, and submits the batch to the background for review;
所述后台审核可为后台管理人员所进行的审核。The background audit can be an audit performed by a background manager.
具体地，以基金赎回业务为例，业务记录是可赎记录，所述拆分可如下实现。Specifically, taking the fund redemption service as an example, the business record is a redeemable record, and the splitting can be implemented as follows.
***根据与接入方约定的规则，判定所述可赎记录后续应该进行单笔赎回还是文件批量赎回；The system determines, according to the rules agreed with the accessing party, whether the redeemable record should be followed by a single redemption or a batch of documents;
优选地，***可以通过时间政策节点进行拆分，即设定拆分时间，通过此拆分时间进行基金购买时间判断；Preferably, the system may perform splitting by using a time policy node, that is, setting a split time, and determining the fund purchase time by using the split time;
优选地，***可以通过一定金额进行拆分，即设定拆分金额，通过此拆分金额对基金的赎回金额进行判断；Preferably, the system can split by a certain amount, that is, set the split amount, and judge the redemption amount of the fund by the split amount;
优选地，***还可以根据接入方与客户之间的约定，对可赎记录进行拆分，如客户选择进行单笔赎回，若未成功，对客户是否开户进行校验，若客户未开户，则转成文件批量赎回，若客户可以补开账户，则进行单笔赎回。Preferably, the system may also split the redeemable record according to the agreement between the accessing party and the customer, if the customer chooses to make a single redemption, if not successful, check whether the customer opens an account, if the customer does not open an account , then convert to a batch of documents redemption, if the customer can open the account, a single redemption.
优选地，根据不同的赎回方式，***需要对所述可赎记录进行标识，以区分赎回方式，并通知支付模块，文件的保存地址，文件名以及渠道号。Preferably, according to different redemption methods, the system needs to identify the redeemable record to distinguish the redemption mode, and notify the payment module, the file save address, the file name and the channel number.
具体地，所述渠道号是自接入方发起本方法时已进行标识的，根据接入方对应的不同交易方、不同交易，所述渠道号均有所不同。Specifically, the channel number is identified when the method is initiated by the accessing party, and the channel number is different according to different parties and different transactions corresponding to the accessing party.
步骤S500、对于后台审核通过的单笔批次，转到步骤S600；对于后台 审核通过的文件批量批次，转到步骤S700；Step S500, for the single batch passed by the background audit, go to step S600; for the batch batch of documents passed in the background review, go to step S700;
其中，对于后台审核不通过的批次，将记录设定为异常，以待人工继续进行详细审核(S450)，并结束本方法；Wherein, for the batch that fails the background review, the record is set to be abnormal, so that the manual continues to perform the detailed review (S450), and the method ends;
步骤S600、对所述单笔批次执行批转联操作，并结束本方法；Step S600, performing a batch transfer operation on the single batch, and ending the method;
其中，所述批转联操作具体包括如下步骤：The batch forwarding operation specifically includes the following steps:
将筛选出的单笔批次按照队列的方式，依次进行联机操作，依次调用支付模块的标准代付接口，执行标准代付操作。The selected single batches are sequentially operated in a queue manner, and the standard payment interface of the payment module is sequentially invoked to perform a standard payment operation.
步骤S700、进行文件批量批次的批量支付操作，并结束本方法。Step S700: Perform a batch payment operation of the batch batch of the file, and end the method.
其中，作为示例，在步骤S700中，可将后台审核通过的文件批量批次形成第三批量业务文件，并上传到网络存储器，然后，***调用支付模块的批量支付接口，将所述第三批量业务文件的相关信息(文件名等)传送到支付模块，支付模块可从网络存储器下载所述第三批量业务文件，执行批量支付操作，并接收支付模块所反馈的支付结果信息，之后结束本方法。As an example, in step S700, the batch batch of documents passed through the background review may be formed into a third batch service file and uploaded to the network storage, and then the system calls the batch payment interface of the payment module, and the third batch is The related information (file name, etc.) of the service file is transmitted to the payment module, and the payment module can download the third batch service file from the network storage, perform a batch payment operation, and receive the payment result information fed back by the payment module, and then end the method. .
优选地，所述支付模块支持幂等操作，即，支付模块接收到订单模块发来的文件通知后进行处理，即使订单模块进行多次调用，支付模块亦会通知订单模块调用成功，但在后续非第一次调用时，支付模块自身不会进行重复处理。Preferably, the payment module supports an idempotent operation, that is, the payment module receives the file notification sent by the order module, and the payment module notifies the order module that the call is successful, but after the order module performs multiple calls. When not the first call, the payment module itself does not repeat the process.
4、根据本申请的实施例的安装了应用程序的***4. An application-installed system according to an embodiment of the present application
参照图4，其示出了根据本申请实施例的安装了应用程序的***的运行环境。Referring to FIG. 4, an operating environment of a system in which an application is installed according to an embodiment of the present application is illustrated.
在本实施例中，所述的安装应用程序的***安装并运行于电子装置中。所述电子装置可以是桌上型计算机、笔记本、掌上电脑及服务器等计算设备。该电子装置可包括但不限于存储器、处理器及显示器。图4仅示出了具有上述组件的电子装置，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。In this embodiment, the system for installing the application is installed and runs in the electronic device. The electronic device may be a computing device such as a desktop computer, a notebook, a palmtop computer, or a server. The electronic device can include, but is not limited to, a memory, a processor, and a display. Figure 4 shows only the electronic device with the above components, but it should be understood that not all illustrated components may be implemented, and more or fewer components may be implemented instead.
所述存储器在一些实施例中可以是所述电子装置的内部存储单元，例如该电子装置的硬盘或内存。所述存储器在另一些实施例中也可以是所述电子装置的外部存储设备，例如所述电子装置上配备的插接式硬盘，智能存储卡(Smart Media Card，SMC)，安全数字(Secure Digital，SD)卡，闪存卡 (Flash Card)等。进一步地，所述存储器还可以既包括所述电子装置的内部存储单元也包括外部存储设备。所述存储器用于存储安装于所述电子装置的应用软件及各类数据，例如所述安装应用程序的***的程序代码等。所述存储器还可以用于暂时地存储已经输出或者将要输出的数据。The memory may be an internal storage unit of the electronic device, such as a hard disk or memory of the electronic device, in some embodiments. The memory may also be an external storage device of the electronic device in other embodiments, such as a plug-in hard disk equipped on the electronic device, a smart memory card (SMC), and a secure digital (Secure Digital) , SD) card, flash card (Flash Card), etc. Further, the memory may also include both an internal storage unit of the electronic device and an external storage device. The memory is used to store application software installed on the electronic device and various types of data, such as program code of the system in which the application is installed. The memory can also be used to temporarily store data that has been output or is about to be output.
所述处理器在一些实施例中可以是中央处理单元(Central Processing Unit，CPU)、微处理器或其他数据处理芯片，用于运行所述存储器中存储的程序代码或处理数据，例如执行所述安装应用程序的***等。The processor may, in some embodiments, be a central processing unit (CPU), a microprocessor, or other data processing chip for executing program code or processing data stored in the memory, such as performing the Install the application's system, etc.
所述显示器在一些实施例中可以是LED显示器、液晶显示器、触控式液晶显示器以及OLED(Organic Light-Emitting Diode，有机发光二极管)触摸器等。所述显示器用于显示在所述电子装置中处理的信息以及用于显示可视化的客户界面，例如应用菜单界面、应用图标界面等。所述电子装置的部件通过***总线相互通信。The display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch sensor, or the like in some embodiments. The display is for displaying information processed in the electronic device and a client interface for displaying visualizations, such as an application menu interface, an application icon interface, and the like. The components of the electronic device communicate with one another via a system bus.
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解，上述实施方式中的方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件来实现，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。Through the description of the above embodiments, those skilled in the art can clearly understand that the method in the foregoing embodiment can be implemented by means of software plus a necessary general hardware platform, and can also be implemented by hardware, but in many cases. The former is a better implementation. Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk, The optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present application.
也就是说，根据本申请的实施例，还提供了一种计算机可读存储介质，所述计算机可读存储介质上存储有用于执行一种基于基金份额赎转付的日常缴费方法的程序，所述程序被处理器执行时，执行根据本申请的实施例的所述日常缴费方法的步骤。That is, according to an embodiment of the present application, there is also provided a computer readable storage medium having stored thereon a program for executing a daily payment method based on a fund share redemption payment, When the program is executed by the processor, the steps of the daily payment method according to an embodiment of the present application are performed.
由上，将理解，为了说明的目的，这里已描述了本申请的具体实施例，但是，可作出各个修改，而不会背离本申请的范围。本领域的技术人员将理解，流程图步骤中所绘出或这里描述的操作和例程可以多种方式变化。更具体地，可重新安排步骤的次序，可并行执行步骤，可省略步骤，可包括其它步骤，可作出例程的各种组合或省略。因而，本申请仅由所附权利要求限制。It will be understood that the specific embodiments of the present invention have been described herein for the purpose of illustration, but the various modifications may be made without departing from the scope of the application. Those skilled in the art will appreciate that the operations and routines depicted in the flowchart steps or described herein can be varied in many ways. More specifically, the order of the steps may be rearranged, the steps may be performed in parallel, the steps may be omitted, other steps may be included, various combinations or omissions of routines may be made. Accordingly, the application is limited only by the accompanying claims.

Claims (17)

  1. 一种批量文件审核代付方法，其中，由提供交易业务的接入方接入批量文件审核代付***，并由所述批量文件审核代付***处理所述接入方的业务请求，其中，所述批量文件审核代付***连接到网络存储器和数据库，A batch file review and payment method, wherein an access party providing a transaction service accesses a batch file review payment system, and the batch file review payment system processes the service request of the access party, wherein The batch file auditing payment system is connected to a network storage and a database,
    其特征在于，所述方法包括由所述批量文件审核代付***进行的以下步骤：Characterized in that the method comprises the following steps performed by the batch file review payment system:
    步骤1、从所述接入方获取批量业务文件，并将批量业务文件保存到网络存储器中，获得批量业务文件的文件名，将所述文件名加入到所述数据库的批量订单受理表中，之后等待启动送盘任务；Step 1: Obtain a batch service file from the access party, save the batch service file to a network storage, obtain a file name of the batch service file, and add the file name to the batch order acceptance table of the database, Waiting to start the delivery task afterwards;
    步骤2、定期启动送盘任务，其中，根据所述批量订单受理表中的文件名，从网络存储器中下载第一批量业务文件，并对所述第一批量业务文件进行格式校验；Step 2: The task of sending a disk is periodically started, wherein the first batch of service files is downloaded from the network storage according to the file name in the batch order receiving table, and the format of the first batch of service files is verified;
    步骤3、根据从所述第一批量业务文件中解析出的业务记录，形成批量业务列表，并过滤掉所述批量业务列表中的非法业务记录，由此生成第二批量业务文件；Step 3: Form a batch service list according to the service record parsed from the first batch service file, and filter out the illegal service record in the batch service list, thereby generating a second batch service file;
    步骤4、根据所述第二批量业务文件，进行批量支付操作，并结束本方法。Step 4: Perform a batch payment operation according to the second batch service file, and end the method.
  2. 根据权利要求1所述的批量文件审核代付方法，其特征在于，所述步骤1包括如下步骤：The batch file review and payment method according to claim 1, wherein the step 1 comprises the following steps:
    步骤1-1、基于从所述接入方接收的上传文件请求，从所述接入方获取批量业务文件；Step 1-1: Acquire a batch service file from the access party based on an upload file request received from the access party.
    步骤1-2、将所述批量业务文件上传到网络存储器，获得所述批量业务文件的文件名，并调用所述批量文件审核代付***的订单模块的订单接口，将所述批量业务文件的文件名所述订单模块；Step 1-2: Upload the batch service file to a network storage, obtain a file name of the batch service file, and invoke an order interface of the order module of the batch file review payment system, and the batch service file is The order module described in the file name;
    步骤1-3、所述订单模块将所述文件名存入所述数据库的批量订单受理表中。Step 1-3: The order module stores the file name in a batch order acceptance table of the database.
  3. 根据权利要求1所述的批量文件审核代付方法，其特征在于，所述步骤2中的“对所述第一批量业务文件进行格式校验”包括：The batch file review and payment method according to claim 1, wherein the "format verification of the first batch service file" in the step 2 includes:
    步骤2-1、根据所述第一批量业务文件的格式内容，判断所述下载文件 的格式是否符合预设规则，Step 2-1: Determine, according to the format content of the first batch service file, whether the format of the downloaded file meets a preset rule.
    步骤2-2、如不符合所述预设规则，则向所述接入方提示“文件格式错误”，并从所述数据库的批量订单受理表中删除不符合所述预设规则的第一批量业务文件的相关记录，之后返回到步骤1。Step 2-2: If the preset rule is not met, prompting the access party to "file format error", and deleting the first one that does not meet the preset rule from the batch order receiving table of the database A record of the bulk business file, then return to step 1.
  4. 根据权利要求1所述的批量文件审核代付方法，其特征在于，所述步骤3中的“过滤掉所述批量业务列表中的非法业务记录”包括：The batch file review and payment method according to claim 1, wherein the "filtering out the illegal business records in the batch service list" in the step 3 includes:
    对所述批量业务列表中业务记录进行交叉防重校验，其中，查询每条业务记录所对应的交易记录，将所有已经处理完毕的交易记录以及信息错误的交易记录作为非法记录进行过滤，从而筛选出可以合法业务记录。Performing cross-checking prevention on the business records in the batch service list, wherein the transaction records corresponding to each business record are queried, and all transaction records that have been processed and transaction records with incorrect information are filtered as illegal records, thereby Filter out legitimate business records.
  5. 根据权利要求1所述的批量文件审核代付方法，其特征在于，所述步骤3包括如下步骤：The batch file review and payment method according to claim 1, wherein the step 3 comprises the following steps:
    步骤3-1、判断从所述第二批量业务文件中解析的业务记录是否需要进行后台审核，若需要，则转到步骤3-2；否则转到步骤4；Step 3-1: Determine whether the business record parsed from the second batch service file needs to be audited in the background, if necessary, go to step 3-2; otherwise, go to step 4;
    步骤3-2、将从所述第二批量业务文件中解析的业务记录拆分为单笔批次以及文件批量批次，并交由后台审核；Step 3-2: split the business record parsed from the second batch business file into a single batch and a batch batch of files, and submit it to the background for review;
    步骤3-3、对于后台审核通过的单笔批次，调用所述批量文件审核代付***的支付模块的单笔支付接口，进行单笔支付，结束本方法；Step 3-3: For a single batch passed by the background audit, the batch file is invoked to review the single payment interface of the payment module of the payment system, and a single payment is made to end the method;
    步骤3-4、对于后台审核通过的文件批量批次，调用所述批量文件审核代付***的支付模块的批量支付接口，进行批量支付，结束本方法。Step 3-4: For the batch batch of documents passed in the background audit, the bulk payment interface of the payment module of the batch file auditing payment system is invoked to perform batch payment, and the method ends.
  6. 根据权利要求5所述的批量文件审核代付方法，其特征在于，在所述步骤3-1中，如果所述接入方是与所述批量文件审核代付***的运营方签约、并依托所述批量文件审核代付***进行交易业务的接入方，则判断从所述第二批量业务文件中解析的业务记录需要进行所述后台审核，否则判断无需进行所述后台审核。The batch file review and payment method according to claim 5, wherein in the step 3-1, if the access party is contracted with an operator of the batch file audit payment system, and relies on The batch file auditing the accessing system for the transaction service, and determining that the business record parsed from the second batch service file needs to perform the background audit, otherwise the background audit is not required to be determined.
  7. 根据权利要求5所述的批量文件审核代付方法，其特征在于，在所述步骤3-2中，通过每条业务记录所对应的时间政策节点、金额和/或所述接入方与用户之间的交易方式，将从所述第二批量业务文件中解析的业务记录拆分为单笔批次以及文件批量批次。The batch file review and payment method according to claim 5, wherein in the step 3-2, the time policy node corresponding to each business record, the amount, and/or the access party and the user are The transaction method between the two batch business files is split into a single batch and a batch batch of files.
  8. 根据权利要求5所述的批量文件审核代付方法，其特征在于，在所述步骤3-4中，将后台审核通过的文件批量批次形成第三批量业务文件，并 上传到网络存储器，然后，调用所述支付模块的批量支付接口，将所述第三批量业务文件的相关信息传送到所述支付模块，所述支付模块由此可从网络存储器下载所述第三批量业务文件，执行批量支付。The batch file review and payment method according to claim 5, wherein in the step 3-4, the batch batch of documents passed through the background review forms a third batch business file, and is uploaded to the network storage, and then And invoking the batch payment interface of the payment module, and transmitting related information of the third batch service file to the payment module, where the payment module can download the third batch service file from the network storage, and execute the batch Pay.
  9. 一种用于执行权利要求1至8中的一个所述的批量文件审核代付方法的批量文件审核代付***，其特征在于包括：A batch file review and payment system for executing the batch file review and payment method according to one of claims 1 to 8, characterized in that it comprises:
    通用模块，用于从所述接入方获取批量业务文件，并将批量业务文件保存到所述网络存储器中，并且，还用于响应于订单模块和支付模块的调用，将各个批量业务文件上传到所述网络存储器、或所述网络存储器从下载各个批量业务文件，a universal module, configured to acquire a batch service file from the access party, save the batch service file to the network storage, and further upload the batch service file in response to the call of the order module and the payment module Downloading each batch of business files from the network storage, or the network storage,
    订单模块，用于执行所述步骤2和步骤3；An order module, configured to perform the steps 2 and 3;
    支付模块，用于响应于所述订单模块的调用，进行单笔支付或批量支付。And a payment module, configured to perform a single payment or a batch payment in response to the invoking of the order module.
  10. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有用于执行批量文件审核代付方法的程序，所述程序被处理器执行时，执行以下步骤的操作：A computer readable storage medium, characterized in that the computer readable storage medium stores a program for executing a batch file review and payment method, and when the program is executed by the processor, the following steps are performed:
    步骤1、从所述接入方获取批量业务文件，并将批量业务文件保存到网络存储器中，获得批量业务文件的文件名，将所述文件名加入到所述数据库的批量订单受理表中，之后等待启动送盘任务；Step 1: Obtain a batch service file from the access party, save the batch service file to a network storage, obtain a file name of the batch service file, and add the file name to the batch order acceptance table of the database, Waiting to start the delivery task afterwards;
    步骤2、定期启动送盘任务，其中，根据所述批量订单受理表中的文件名，从网络存储器中下载第一批量业务文件，并对所述第一批量业务文件进行格式校验；Step 2: The task of sending a disk is periodically started, wherein the first batch of service files is downloaded from the network storage according to the file name in the batch order receiving table, and the format of the first batch of service files is verified;
    步骤3、根据从所述第一批量业务文件中解析出的业务记录，形成批量业务列表，并过滤掉所述批量业务列表中的非法业务记录，由此生成第二批量业务文件；Step 3: Form a batch service list according to the service record parsed from the first batch service file, and filter out the illegal service record in the batch service list, thereby generating a second batch service file;
    步骤4、根据所述第二批量业务文件，进行批量支付操作，并结束本方法。Step 4: Perform a batch payment operation according to the second batch service file, and end the method.
  11. 根据权利要求10所述的计算机可读存储介质，其特征在于，所述步骤1包括如下步骤：A computer readable storage medium according to claim 10, wherein said step 1 comprises the steps of:
    步骤1-1、基于从所述接入方接收的上传文件请求，从所述接入方获取批量业务文件；Step 1-1: Acquire a batch service file from the access party based on an upload file request received from the access party.
    步骤1-2、将所述批量业务文件上传到网络存储器，获得所述批量业务 文件的文件名，并调用所述批量文件审核代付***的订单模块的订单接口，将所述批量业务文件的文件名所述订单模块；Step 1-2: Upload the batch service file to a network storage, obtain a file name of the batch service file, and invoke an order interface of the order module of the batch file review payment system, and the batch service file is The order module described in the file name;
    步骤1-3、所述订单模块将所述文件名存入所述数据库的批量订单受理表中。Step 1-3: The order module stores the file name in a batch order acceptance table of the database.
  12. 根据权利要求10所述的计算机可读存储介质，其特征在于，所述步骤2中的“对所述第一批量业务文件进行格式校验”包括：The computer readable storage medium according to claim 10, wherein the "format verification of the first batch service file" in the step 2 comprises:
    步骤2-1、根据所述第一批量业务文件的格式内容，判断所述下载文件的格式是否符合预设规则，Step 2-1: Determine, according to the format content of the first batch service file, whether the format of the downloaded file conforms to a preset rule.
    步骤2-2、如不符合所述预设规则，则向所述接入方提示“文件格式错误”，并从所述数据库的批量订单受理表中删除不符合所述预设规则的第一批量业务文件的相关记录，之后返回到步骤1。Step 2-2: If the preset rule is not met, prompting the access party to "file format error", and deleting the first one that does not meet the preset rule from the batch order receiving table of the database A record of the bulk business file, then return to step 1.
  13. 根据权利要求10所述的计算机可读存储介质，其特征在于，所述步骤3中的“过滤掉所述批量业务列表中的非法业务记录”包括：The computer readable storage medium according to claim 10, wherein the "filtering out the illegal business records in the batch service list" in the step 3 comprises:
    对所述批量业务列表中业务记录进行交叉防重校验，其中，查询每条业务记录所对应的交易记录，将所有已经处理完毕的交易记录以及信息错误的交易记录作为非法记录进行过滤，从而筛选出可以合法业务记录。Performing cross-checking prevention on the business records in the batch service list, wherein the transaction records corresponding to each business record are queried, and all transaction records that have been processed and transaction records with incorrect information are filtered as illegal records, thereby Filter out legitimate business records.
  14. 根据权利要求10所述的计算机可读存储介质，其特征在于，所述步骤3包括如下步骤：The computer readable storage medium of claim 10, wherein the step 3 comprises the steps of:
    步骤3-1、判断从所述第二批量业务文件中解析的业务记录是否需要进行后台审核，若需要，则转到步骤3-2；否则转到步骤4；Step 3-1: Determine whether the business record parsed from the second batch service file needs to be audited in the background, if necessary, go to step 3-2; otherwise, go to step 4;
    步骤3-2、将从所述第二批量业务文件中解析的业务记录拆分为单笔批次以及文件批量批次，并交由后台审核；Step 3-2: split the business record parsed from the second batch business file into a single batch and a batch batch of files, and submit it to the background for review;
    步骤3-3、对于后台审核通过的单笔批次，调用所述批量文件审核代付***的支付模块的单笔支付接口，进行单笔支付，结束本方法；Step 3-3: For a single batch passed by the background audit, the batch file is invoked to review the single payment interface of the payment module of the payment system, and a single payment is made to end the method;
    步骤3-4、对于后台审核通过的文件批量批次，调用所述批量文件审核代付***的支付模块的批量支付接口，进行批量支付，结束本方法。Step 3-4: For the batch batch of documents passed in the background audit, the bulk payment interface of the payment module of the batch file auditing payment system is invoked to perform batch payment, and the method ends.
  15. 根据权利要求14所述的计算机可读存储介质，其特征在于，在所述步骤3-1中，如果所述接入方是与所述批量文件审核代付***的运营方签约、并依托所述批量文件审核代付***进行交易业务的接入方，则判断从所述第二批量业务文件中解析的业务记录需要进行所述后台审核，否则判断无 需进行所述后台审核。The computer readable storage medium according to claim 14, wherein in the step 3-1, if the access party is contracted with an operator of the batch file review payment system, and relies on the When the batch file auditing the payment system performs the transaction service, the access party that determines the transaction from the second batch service file needs to perform the background audit, otherwise it is determined that the background audit is not required.
  16. 根据权利要求14所述的计算机可读存储介质，其特征在于，在所述步骤3-2中，通过每条业务记录所对应的时间政策节点、金额和/或所述接入方与用户之间的交易方式，将从所述第二批量业务文件中解析的业务记录拆分为单笔批次以及文件批量批次。The computer readable storage medium according to claim 14, wherein in the step 3-2, the time policy node corresponding to each business record, the amount, and/or the access party and the user are The transaction mode is divided into a single batch and a batch batch of files from the business records parsed in the second batch business file.
  17. 根据权利要求14所述的计算机可读存储介质，其特征在于，在所述步骤3-4中，将后台审核通过的文件批量批次形成第三批量业务文件，并上传到网络存储器，然后，调用所述支付模块的批量支付接口，将所述第三批量业务文件的相关信息传送到所述支付模块，所述支付模块由此可从网络存储器下载所述第三批量业务文件，执行批量支付。The computer readable storage medium according to claim 14, wherein in the step 3-4, the batch batch of files passed through the background review is formed into a third batch service file and uploaded to the network storage, and then, Calling the batch payment interface of the payment module, transmitting related information of the third batch service file to the payment module, wherein the payment module can download the third batch service file from the network storage, and perform batch payment .
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